Senior Director, Credit Risk – Real Estate (Fintech)

Location: Hybrid, London, United Kingdom

Company

hirify.global is an entrepreneurial, technology-led bank using lending expertise, data, technology and AI to support ambitious businesses and communities across the UK and US.

What you will do

• Lead independent assessment and challenge of new real estate lending opportunities across the UK portfolio.
• Partner with Debt Finance Origination and Credit Analytics to identify risks, test assumptions and structure transactions.
• Prepare recommendations for and contribute constructively to Credit Committee discussions and decisions.
• Assess investment and development finance across residential, office, retail and industrial property, plus operational real estate including PBSA, BTR and co-living.
• Review cashflow models, Red Book valuations, Project Monitor reports, term sheets, security structures and key documentation.
• Work with customers, Portfolio Management, Legal and Loan Execution on credit appetite, existing exposures, portfolio risks, restructurings and transaction execution.

Requirements

• At least 10 years’ experience in credit risk, with deep expertise in SME real estate lending or a strong track record of transferable experience.
• Strong knowledge of real estate investment and development finance across residential, office, retail and industrial sectors.
• Experience with operational real estate, including PBSA, BTR or co-living; experience in SME cashflow lending or lending at fund level is valuable.
• Excellent financial analysis skills, including assessment of complex transactions, business plans, cashflows, valuations, downside scenarios and debt capacity.
• Strong track record of independent credit judgement, constructive challenge and influencing senior credit decisions.
• Confidence leading Credit Committee discussions and engaging with customers, deal teams and senior stakeholders.
• Good understanding of SME credit risk models and measures, including RWA, PD and LGD.
• Strong experience with risk and control techniques, including setting effective covenants and managing portfolio risk.
• Commercial judgement to balance disciplined risk management with backing ambitious businesses, plus clear communication, negotiation, stakeholder and prioritisation skills.

Nice to have

• Broader understanding of risk across the SME product lifecycle, from origination and optimisation through to collections and recoveries.
• Experience working directly with clients and deal teams on transaction structure and credit appetite.
• Experience contributing to strategic projects or improving credit processes and decision-making.

Culture & Benefits

• Meaningful, complex lending transactions with less bureaucracy than larger institutions.
• Collaborative, fast-moving environment that values independent thinking, commercial judgement, ownership and constructive challenge.
• Opportunity to influence real estate lending and risk management, including the use of technology and AI.
• Equity participation, 25 days’ holiday and personalised benefits.
• Subsidised private medical insurance with Bupa, enhanced maternity and paternity leave, wellbeing and social events.
• Volunteering time off and salary sacrifice schemes for cycle-to-work, nursery, gym and electric car expenses.