Credit Risk Data Analyst (Fintech)

Location: Barcelona, Spain

Salary: €32,000–€44,000 per year

Company

hirify.global is a European fintech company providing installment payment solutions and managing credit decisions across merchants and customers.

What you will do

• Manage credit strategy for a consumer portfolio covering millions of customers and thousands of merchants across multiple European countries.
• Review merchants and customer segments, adjust portfolio risk appetite, and align credit decisions with commercial growth.
• Design, size, test, deploy, and measure changes to credit rules, limits, and thresholds.
• Build monitoring for portfolio performance and risk-adjusted profitability, investigating changes before they result in losses.
• Collaborate with Data Science and Data Engineering on models, features, pipelines, and decision data, and with Risk and Fraud teams on loss-driving patterns.
• Own an end-to-end project and document decisions, shipped changes, and their rationale.

Requirements

• Degree in engineering, physics, computer science, mathematics, statistics, economics, another quantitative field, or equivalent demonstrated quantitative ability.
• At least 3 years of experience in an analytical role where the output drove decisions.
• Strong SQL used daily, including complex joins, window functions, and reading and troubleshooting other people’s queries.
• Some exposure to Python, including the ability to read and adapt pandas scripts.
• Proactivity and technical curiosity, with willingness to investigate code, configurations, and data pipelines.
• Clear communication skills for explaining complex analysis to Commercial and leadership audiences and standing behind conclusions.
• Fluent English at B2+ level, used daily as the global internal language.

Nice to have

• Exposure to consumer credit, BNPL, lending, or e-commerce risk.
• Familiarity with Git or another version control system, CI/CD, and releasing pipelines and code to production.
• Experience with dbt, analytics engineering, or data modelling.
• Experience with experiments, control groups, or A/B testing.

Culture & Benefits

• High standards, independent and critical thinking, innovation, ownership, and continuous learning.
• Fast-moving, technology-driven environment with opportunities to take ownership of portfolio decisions.
• Exposure to the full credit lifecycle, from approval through portfolio performance.
• Close work with the decision engine and data pipelines, not only their outputs.
• Salary package based on skills and experience, with a salary band of €32,000–€44,000 per year.

Hiring process

• Initial conversation with the Talent team.
• Interview with the Hiring Manager followed by a case study with the Hiring Manager and another Risk team lead.
• Final conversation with the CEO.