Credit Manager (Fintech)

Location: Latvia or Spain, with a preference for Madrid, Spain or Latvia.

Company

hirify.global is a financial technology company providing digital lending and investing products to customers across Europe and expanding its lending business across additional EU markets.

What you will do

• Own underwriting strategy, portfolio monitoring, responsible lending, and credit risk performance for the Spanish market.
• Analyse application funnels, acceptance, offer uptake, limit utilisation, rejection reasons, FPD, recovery rates, PD, profitability, fraud patterns, and other portfolio indicators.
• Use cash-flow and lifetime-value models to evaluate loan and customer profitability, manage third-party data usage, and identify valuable additional data sources.
• Set a prioritised three-month roadmap, maintain a proposal log, and align Country, Product, Data Science, Customer Experience, Legal, Collections, and Finance stakeholders.
• Implement and document credit strategy changes in Taktile, including decision-engine rules, system settings, limits, affordability parameters, policy rules, and change logs.
• Support scorecard and model development, conduct multivariate analysis, design controlled experiments and A/B tests, and ensure decisions comply with responsible-lending regulation and internal risk appetite.

Requirements

• Strong practical knowledge of consumer credit risk management, underwriting strategies, portfolio monitoring, and responsible lending.
• Spanish consumer credit experience, ideally including Spanish credit bureaus and data such as ASNEF/Equifax, Experian, and CIRBE, open-banking data, Spanish responsible-lending rules, and Spanish recovery and collections dynamics.
• Ability to connect portfolio performance, unit economics, customer behaviour, and operational evidence to clear decisions.
• Hands-on experience implementing or closely managing decision-engine rules, policy parameters, limits, and experiments.
• Advanced Excel and SQL skills and confidence using Tableau or another BI platform.
• Ability to perform multivariate analysis, work effectively with Data Science, and assess model quality, stability, assumptions, and operational fit.
• Clear written and verbal communication, sound judgement under uncertainty, and the ability to influence Country, Product, Customer Experience, Legal, Collections, Finance, and Data teams.
• Disciplined documentation, change governance, escalation, and follow-through.
• Ability to use AI tools for research, analysis, documentation, and hypothesis generation while validating outputs against source data, logic, policy, and independent calculations and retaining personal accountability for credit decisions and compliance.
• Ability to prepare and present a Spain credit committee reporting pack, implement and measure a credit strategy change and controlled experiment in Taktile, design a returning-customer credit limit policy, and establish a prioritised three-month roadmap and proposal log.

Nice to have

• Python or R experience.

Culture & Benefits

• Opportunity to influence credit performance in a major scale-up market and work across data, models, policy, pricing, limits, affordability, and experiments.
• Data-driven credit team with access to senior country and functional stakeholders.
• Competitive salary and benefits package including five weeks of vacation, private healthcare compensation, hobby grant, mental healthcare support, and share options.
• Professional development opportunities and budget for expanding skills.

Hiring process

• Recruiter interview followed by an interview with the hiring manager.
• Home task related to credit management, followed by a review with the hiring manager.
• Personality and logic assessments, business interview with the Spain Country Manager, final CEO interview, and bar-raiser interview with the CPTO.