Credit Risk Manager (Fintech)

Location: Remote (United States); an in-person visit to the Pasadena headquarters is required either during the final interview stages or the first onboarding week.

Salary: $130,000–$170,000 base salary plus equity.

Company

hirify.global is a late-stage venture-backed fintech that provides veterinary-care financing and payment products, including point-of-sale lending, BNPL, payment plans, and integrated payment processing.

What you will do

• Lead analyses that shape underwriting strategy, identify approval and loss opportunities, quantify trade-offs, and recommend policy changes.
• Diagnose delinquency, roll rates, losses, and other credit-performance drivers and translate findings into actions.
• Improve loss mitigation, collections, and recovery strategies, including designing and evaluating champion/challenger tests.
• Analyze the application and checkout experience, originations funnel, and product improvements in partnership with Product.
• Contribute to underwriting model development from data preparation through validation and monitoring.
• Build AI-assisted analytical workflows and communicate concise recommendations to executives, bank partners, and capital partners.

Requirements

• Bachelor’s degree in a quantitative field such as Statistics, Economics, Mathematics, Engineering, or Finance.
• 3+ years of experience in consumer-lending credit risk or analytics at a bank or fintech, covering underwriting, credit strategy, or loss mitigation and collections.
• Hands-on experience across the credit strategy lifecycle: analysis, strategy design, test design, implementation validation, and post-implementation monitoring.
• Strong SQL and Python skills, with experience working with large loan-level and credit-bureau datasets.
• Enthusiasm for using AI tools to accelerate analytical work, combined with the judgment to verify their output.
• Critical thinking, autonomy, ability to structure ambiguous problems, and ability to drive them to a decision.
• Clear, concise communication with senior stakeholders and effective cross-functional collaboration.
• Ownership mindset, strong teamwork, positive attitude, and bias toward execution.

Nice to have

• Experience with point-of-sale, installment, or BNPL lending.
• Collections or recoveries strategy experience.
• Model development experience, including logistic regression or gradient boosting.
• Experience working with a partner bank.

Culture & Benefits

• Remote work for most roles with close collaboration and an open Pasadena office for nearby employees or visitors.
• Annual company-wide Hub Day onsite.
• Unlimited PTO, covered healthcare, flexible benefits, 401(k) matching, cell plan reimbursement, and generous parental leave.
• Continuous learning resources, monthly recognition opportunities, equity retention program, and equity compensation.
• Scratch is committed to diversity and equal opportunity employment.

Hiring process

• People Ops conversation, hiring manager interview, live analytical exercise, team panel, executive-level interviews, and reference checks.
• Applications must include a resume and answers to the custom questions; additional relevant information or documents may be included.
• Applicants will only be contacted from @scratchpay.com or @ats.rippling.com addresses.