VP/MD - Personal Loan Credit

Location: Baltimore, MD or New York, NY, United States

Base salary: $200K–$250K annually, plus performance-based compensation.

Company

hirify.global provides personal loans, credit cards, and other financial products designed to offer responsible access to credit for nonprime customers.

What you will do

• Lead the development and execution of underwriting strategies balancing risk, margin, and volume across products and customer segments.
• Design and scale credit infrastructure supporting operational efficiency, automated risk management, and valuations.
• Build, lead, and coach a high-performing team of credit analysts and managers.
• Conduct advanced statistical analysis and modeling using regression and machine learning to understand customer behavior and forecast outcomes.
• Develop profit-driven decision frameworks and risk strategies across the full credit lifecycle; oversee reporting, performance monitoring, and strategy validation.
• Partner with product, finance, risk, and operations teams; communicate strategy, performance, and recommendations to senior stakeholders.

Requirements

• Bachelor’s degree in a quantitative discipline, such as Engineering, Statistics, Economics, Business Management, or Computer Science; a Master’s degree or PhD is preferred.
• 10+ years of experience in consumer lending, including deep expertise in pricing, credit strategy, and risk analytics.
• 5+ years of leadership experience, including team development and strategic planning.
• Proven ability to develop innovative, data-driven solutions to complex business problems.
• Strong knowledge of pricing optimization tools, credit decisioning frameworks, and customer segmentation techniques.
• Exceptional communication and stakeholder management skills.

Nice to have

• Master’s degree or PhD in a quantitative discipline.

Culture & Benefits

• Flexible work arrangements, an inclusive culture, career development opportunities, and a customer-first environment.
• Medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurance options.
• Up to 4% matching 401(k) and an employee stock purchase plan with a 10% share discount.
• Tuition reimbursement, paid vacation, personal days, sick leave, holidays, and volunteer time.