Credit Risk Expert (Fintech)

Location: Hybrid, with primary locations in Bogotá, São Paulo, and Mexico City; remote-first day to day with in-person ramp-up, team events, and customer visits

Company

hirify.global is a Latin American fintech platform for corporate cards, bill pay, financing, and B2B payments.

What you will do

• Own portfolio risk monitoring across delinquency, bad rates, vintages, exposure, utilization, concentrations, and other key indicators.
• Identify emerging risks and opportunities, perform root-cause analysis, and convert findings into portfolio actions.
• Design, implement, and measure credit strategies across the customer lifecycle, including line management, blocks, segmentation, policy cutoffs, and early-warning strategies.
• Monitor and challenge credit models and decision strategies through performance analysis, backtesting, calibration, segmentation, and drift monitoring.
• Use SQL and Python to analyze large datasets, build monitoring and decision-making tools, and automate recurring analyses.
• Partner with Data, Product, Engineering, Finance, Operations, and Collections from analysis through implementation.

Requirements

• 5+ years of experience in Credit Risk, Credit Strategy, Portfolio Management, or related analytical roles.
• Strong SQL and Python skills.
• Fluent English required; English is the working language.
• Ability to analyze credit portfolios, models, risk appetite, concentrations, covenants, and management indicators.
• Ability to work cross-functionally and build, implement, and measure scalable solutions.

Nice to have

• Experience in fintech, B2B lending, credit cards, payments, or multi-country portfolios.
• Spanish and/or Portuguese.

Culture & Benefits

• Remote-first day-to-day work with in-person team moments, events, and customer visits throughout the year.
• Competitive salary and stock options from day one.
• Annual learning budget and accelerated development paths.
• Culture centered on clarity, simplicity, ownership, high standards, adaptability, and inclusivity.