Principal Merchant Credit Risk (Fintech)

Location: Hybrid in Cincinnati, Ohio, or Atlanta, Georgia, United States

Company

hirify.global provides payment solutions that support businesses and global commerce.

What you will do

• Make credit decisions for complex merchant opportunities while balancing business growth with financial, operational, and reputational risk.
• Identify, quantify, and mitigate exposure to maintain a high-quality merchant portfolio.
• Provide credit recommendations, risk insights, and deal structuring guidance for strategic business decisions.
• Strengthen credit policies, risk frameworks, and practices to improve consistency, compliance, and decision quality.
• Mentor analysts, share expertise, and support a culture of continuous learning and accountable decision-making.

Requirements

• Bachelor's degree in Finance, Accounting, Statistics, Business, or a related field, with strong analytical and financial acumen.
• Significant experience in credit analysis, risk assessment, or financial underwriting, including experience evaluating complex business and merchant relationships.
• Ability to make independent, data-driven decisions that balance risk management objectives with business growth opportunities.
• Strong communication and influencing skills, including explaining complex credit recommendations and negotiating risk-based business terms with diverse stakeholders.
• Ability to navigate ambiguity, exercise sound judgment, and deliver high-quality outcomes on complex, high-impact decisions.

Nice to have

• Experience conducting due diligence for portfolio acquisitions, conversions, or large-scale merchant onboarding initiatives.
• Experience mentoring, coaching, or developing less experienced analysts and serving as a subject matter expert across teams.
• Experience contributing to credit policy development, risk framework enhancements, or process improvements.

Culture & Benefits

• Hybrid workplace with full-time employment.
• Inclusive, global teams emphasizing collaboration, learning, ownership, innovation, and continuous improvement.
• Equal opportunity employer providing reasonable accommodations during hiring and employment.
• Successful candidates working in the United States under a conditional offer must undergo a drug test.