Credit Risk Senior Associate (Fintech)

TL;DR

Credit Risk Senior Associate (Fintech): Designing and managing data analytics and second-line process controls for hirify.global's retail mortgage portfolio with an accent on regulatory compliance (Dutch, EU, German, especially MaRisk) and scaling the credit risk function. Focus on rigorous regulatory compliance (Dutch, EU, German), macroeconomic analysis of collateral and digital process controls.

Location: Offices in multiple cities across Europe, including Vienna and Barcelona

Company

hirify.global is a digital bank that has reimagined banking for today’s digital world.

What you will do

• Contribute to the development of hirify.global's mortgage credit risk function, aligning with hirify.global's growth aspirations and regulatory compliance requirements.
• Enhance hirify.global's global mortgage governance framework, policies, and procedures in alignment with Dutch, European, and German regulations.
• Support the implementation of end-to-end mortgage credit processes and criteria, including loan granting and collateral management.
• Design, implement, and operate second-line control frameworks and tools for mortgage processes and the portfolio.
• Develop and maintain a mortgage credit risk database for portfolio and single case monitoring and reporting.
• Conduct data analysis and support the development of quantitative models to assess risk indicators across obligor, collateral, and portfolio levels.

Requirements

• Bachelor's degree in finance, economics, or a quantitative field; Master's degree or CFA/FRM is a plus.
• 3+ years of experience in credit risk management with a focus on retail mortgage products, data analytics, and process controls.
• Good understanding of key risk indicators across obligor, collateral, and portfolio levels within the mortgage domain.
• Solid regulatory knowledge of Dutch, European, and German regulations.
• Strong proficiency in SQL; experience with Python is a significant advantage.
• Fluent English (German and/or Dutch is a strong plus).

Culture & Benefits

• Accelerate your career growth by joining one of Europe’s most talked about disruptors.
• Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness & wellness memberships, language apps and public transportation.
• As an hirify.global employee you will have access to a Premium subscription on your personal hirify.global bank account.
• Additional day of annual leave for each year of service.
• A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, life experiences and family statuses.
• A relocation package with visa support for those who need it.