Credit Risk Modeller (IFRS9)

Location: Hybrid, with work from the Milton Keynes or London office, United Kingdom.

Company

hirify.global is a UK fintech focused on lending products and services for established small and medium-sized businesses.

What you will do

• Design, build, implement and continuously refine IFRS9 impairment models, including PD, LGD, SICR and economic response models.
• Develop and deploy statistical and machine learning models and credit policy rules supporting automated lending decisions.
• Use Python across data preparation, feature engineering, model fitting, validation, implementation and ongoing performance assessment.
• Analyse rule-firing, decision and outcome data to optimise credit policy rules and decisioning flows.
• Monitor population stability, discriminatory power, calibration, segment and vintage performance, decision rates and alignment with underwriting outcomes.
• Investigate root causes of underperformance, improve modelling infrastructure, and document models, assumptions, limitations and changes for governance and validation.

Requirements

• At least 5 years of hands-on risk modelling experience, using logistic and linear regression and machine learning models to solve practical business problems.
• Experience working with large datasets and extracting and manipulating data using Excel, SQL, Python and BI tools.
• Proven Python coding experience and comfort using GenAI tools to improve coding productivity.
• Good understanding of IFRS9, credit and lending concepts, preferably in commercial lending.
• Ability to work independently, adapt to changing priorities and collaborate across the business and modelling team.
• Strong technical and business-focused writing skills for obtaining stakeholder buy-in.
• Ability to work with Credit Risk, Finance, Underwriting, Collections, Product, Data and Engineering stakeholders and comply with mandatory policies and internal controls.

Nice to have

• Experience implementing models into software applications.

Culture & Benefits

• Hybrid and flexible working options.
• Full onboarding support and continued development opportunities.
• Regular social activities.
• Pension contributions, discretionary bonus scheme, private health cover and life assurance.
• Family-friendly policies, including enhanced maternity and paternity leave.
• Inclusive workplace focused on openness and supporting diverse experiences and backgrounds.