Underwriter (Credit Risk)

Location: Bogotá, Colombia; hybrid work from the Parque de la 93 office 2–3 days per week is required.

Company

hirify.global is a stablecoin-native banking platform providing corporate cards, payments, treasury, and spend products to global enterprises.

What you will do

• Analyze new corporate card applications from Colombian startups and SMBs using financial statements, bank data, bureau reports, and internal model scores.
• Prepare credit recommendations covering proposed limits, key risks, mitigants, and the relationship between model and non-model assessment factors.
• Monitor existing accounts, including utilization, payment behavior, delinquency, and limit increase or decrease requests.
• Partner with Collections, Sales, and Account Management; communicate application decisions and join customer conversations when additional financial information is needed.
• Use AI tools, verify outputs against source data, and help improve AI-supported underwriting workflows.
• Document underwriting guidelines, recurring edge cases, decision rationale, Colombian data sources, and process improvements while covering the application queue and key accounts.

Requirements

• 2–4 years of experience in credit analysis, underwriting, or credit risk in Colombia, gained at a bank, fintech, FIDC, credit bureau, factoring company, or similar organization.
• Hands-on experience analyzing Colombian company financial statements and assessing repayment capacity.
• Working familiarity with Colombian credit data sources such as Serasa, Boa Vista, SCR from Banco Central, or similar.
• Experience speaking with clients to clarify questions about financial and risk information.
• Strong Excel or Google Sheets skills, including building simple analyses from raw data.
• Experience using AI tools such as Claude, ChatGPT, or Gemini in analytical work and curiosity about expanding their use.
• Ability to write concise credit recommendations that non-credit colleagues can follow.
• Fluent Portuguese and professionally fluent written and spoken English.
• Based in Bogotá and able to work in a hybrid arrangement from the Parque de la 93 office.

Nice to have

• Experience underwriting SMB or commercial credit rather than consumer-only credit.
• Exposure to corporate cards, payments, working capital, or other revolving credit products.
• Some experience with SQL, Python, or BI tools for pulling and analyzing portfolio data.
• Experience at a high-growth startup or fintech.
• Degree in Finance, Economics, Accounting, Business, Engineering, or a related field.

Culture & Benefits

• Work in a stablecoin-native banking platform serving companies across multiple countries.
• Contribute to rebuilding how money moves across borders and solving complex problems without established playbooks.
• Collaborate across Credit & Risk, Sales, Account Management, Collections, and customer-facing teams.
• Work in a hybrid format with regular office collaboration in Bogotá.