Financial Risk Specialist (AI)

Location: Remote

Company

hirify.global is a fintech company building payment products and AI-driven risk systems for a large customer base.

What you will do

• Design, implement, and maintain credit risk models and frameworks aligned with BACEN regulations and IFRS 9.
• Monitor retail credit exposures across origination, underwriting, scoring, portfolio performance, collection, and recovery.
• Develop and validate ML/AI models for PD, LGD, EAD, and behavioral scoring.
• Build AI agents to automate risk monitoring, provisioning, and reporting workflows.
• Partner with Credit Policy to define credit limits, strategies, and risk appetite aligned with the company’s RAS.
• Perform stress testing, scenario analysis, model backtesting, and reporting for senior management and regulators while collaborating with Data Science, Finance, Compliance, and Fraud.

Requirements

• Strong understanding of BACEN credit risk regulations, including Res. BCB 265/2022, CMN 4.557/2017, CMN 2.682/1999, and Circular 3.978/2020.
• Deep expertise across the retail credit lifecycle, including origination, behavioral scoring, collection, and recovery.
• Experience in payments and acquiring, including merchant, settlement, and receivables-backed credit risk.
• Hands-on experience with IFRS 9 ECL modeling across Stages 1, 2, and 3, including provisioning methodologies.
• Proven experience developing and validating ML/AI credit risk models.
• Strong programming skills in Python, SQL, R, or SAS for modeling, validation, and stress testing.
• Familiarity with ICAAP and capital adequacy processes.
• Understanding of model governance, documentation, and audit requirements.
• Advanced English communication skills.

Nice to have

• Analytical, execution-driven, automation-first, collaborative, curious, proactive, and adaptable approach.
• Ability to translate data into actionable insights and explain complex ideas clearly.
• Strong analytical accuracy, ethical judgment, and integrity when handling sensitive data.

Culture & Benefits

• Remote work arrangement.
• AI-focused approach to improving risk, finance, customer success, marketing, people, and design functions.
• Collaboration across Data Science, Risk, Finance, Compliance, Fraud, and Business teams.

Hiring process

• Submit the required application information, including full name, email, and location.
• Provide a LinkedIn URL or CV; GitHub and portfolio URLs are optional.
• Applicant data is processed according to hirify.global’s privacy policy.