Senior Director, Credit Risk (Fintech)

Location: Remote anywhere within the United States or from the headquarters in Oakland, California.

Base salary: $194,100–$242,600 National; $210,100–$262,600 Premium; $228,300–$285,400 Premium Plus, plus eligible annual bonuses.

Company

hirify.global provides an embedded finance and card issuing platform that enables companies to issue cards, authorize transactions, and manage payment operations in real time.

What you will do

• Lead and scale the credit organization, including mentoring and developing a team expected to grow from 2 to 10+ professionals over 1–2 years.
• Oversee portfolio performance and account management across consumer and commercial credit programs.
• Build, review, and refine consumer and commercial underwriting models using statistical modeling and data science.
• Develop credit policies and strategies for co-brand, consumer, and commercial credit card programs, optimizing approval rates, new accounts, loss rates, and profit margins.
• Improve underwriting documentation, model validation, governance, KPI reporting, and credit data strategy with Product, Risk Operations, Finance, Data, bank partners, and customers.
• Represent hirify.global's credit capabilities externally and provide risk consulting to bank partners and customers.

Requirements

• 12–15+ years of experience in credit underwriting at major banks, including underwriting and portfolio performance management.
• Experience across co-brand credit programs, subprime lending, consumer credit cards, and commercial credit cards.
• Bachelor's degree or equivalent in Finance, Business, Accounting, Economics, Statistics, Mathematics, or a similar field.
• Expertise in Excel and SQL modeling, plus strong programming and data analytics experience in R or Python.
• Strong communication skills and the ability to represent hirify.global credibly with senior executives, customers, and partners.
• Ability to work in a fast-paced, dynamic environment and adapt to changing priorities.
• Desire to build and scale a transformative credit organization and understanding of both traditional banking rigor and fintech pace.

Nice to have

• Advanced statistical background, with a PhD in Statistics, Mathematics, or another quantitative field strongly preferred.
• Experience in capital markets, including ABS, securitization, and warehouse lines, as well as fraud management.

Culture & Benefits

• Flexible First work model with remote work within the United States or access to a company office.
• Multiple health insurance options, flexible time off, retirement savings contributions, and equity in a publicly traded company.
• Employee Stock Purchase Program, family-forming benefits, fertility support, and up to 20 weeks of parental leave.
• Free therapy sessions, financial and professional coaching, legal advice, monthly remote-work stipend, and annual development dollars.
• Leadership track with a path to VP and beyond as the organization scales.

Hiring process

• Application submission followed by recruiter and hiring manager video calls.
• Virtual onsite with 6–8 interviews of 30–45 minutes each.
• Finalist interview with the CEO, followed by an offer.