Senior Manager, Commercial Credit Card & Commercial Payment Product Credit Risk Management

Location: New York, NY; other listed locations include Hoover, AL; Chicago, IL; Detroit, MI; Pittsburgh, PA; Charlotte, NC; Dallas, TX; Minnetonka, MN; Atlanta, GA; Columbus, OH; and Houston, TX. Workplace type: Office. Country: United States of America.

Annual salary: $125,000–$255,000, plus eligibility for applicable incentive compensation and benefits.

Company

hirify.global provides banking and financial services, including commercial credit card and payment products.

What you will do

• Lead multiple teams managing credit and operational risk across commercial credit card and payment product lifecycles.
• Oversee creditworthiness evaluations for corporate, middle-market, and small-to-medium enterprise clients using financial statements, commercial bureau data, and guarantor or parent-company assessments.
• Establish and monitor credit limits, temporary increases, exposure thresholds, and spend controls.
• Direct portfolio monitoring of delinquency, utilization, payment behavior, industry concentrations, and emerging risks.
• Translate commercial card, billing, disclosure, consumer protection, and data-use requirements into operational controls with Compliance and other risk functions.
• Lead early-intervention, collections, issue remediation, audit support, and regulatory-examination readiness activities.

Requirements

• Bachelor’s degree.
• 10 years of relevant experience in commercial credit, commercial cards, commercial payments, financial services risk management, portfolio management, or a related field.

Nice to have

• Experience evaluating commercial credit risk through financial statement analysis, commercial bureau information, payment performance, and related credit data.
• Experience managing credit exposure, portfolio performance, operational controls, issue remediation, and regulatory or audit activities.
• Knowledge of commercial card and payment products, commercial credit practices, risk appetite, and applicable regulatory requirements.
• Experience developing departmental plans, allocating resources, leading through complex issues, and influencing senior business and risk stakeholders.
• Strong leadership, judgment, communication, negotiation, and decision-making skills.
• Experience leading credit or product risk management for corporate card, purchasing card, virtual card, integrated payables, merchant, or other commercial payment products.
• Experience managing risk across corporate, middle-market, and small-to-medium enterprise portfolios.
• Experience partnering with Compliance, Credit Risk, Operational Risk, Legal, Audit, Collections, and regulatory-examination teams.
• Experience developing portfolio monitoring, early-warning, credit-line management, collection, or risk-control frameworks; an advanced degree or relevant professional certification is also preferred.

Culture & Benefits

• Office-based workplace approach, with specific work arrangements provided by the hiring team; some positions may be eligible for a flexible combination of office and work-from-home work.
• Health insurance, wellness programs, life and disability insurance, retirement savings, paid leave, paid holidays, and paid time off.
• Exempt status: not eligible for overtime pay.
• Equal opportunity employer with a tobacco-free hiring practice.