Sr. Credit Risk Analyst/Credit Risk Manager (Fintech)

TL;DR

Credit Risk Manager (Fintech): Building and optimizing a high-performing credit card portfolio and credit decisioning with an accent on responsible lending and adapting to economic trends. Focus on developing and owning models for forecasting returns, defining credit strategies, and discovering data-driven insights using Python and SQL.

Location: Hybrid, based in the US (work from home every Monday and Friday, in-office other days).

Company

hirify.global is a profitable fintech company, founded in 2014 and valued at £3.5bn, focused on building technology to help people get credit and save money across loans, credit cards, and car finance in the UK and US markets.

What you will do

• Build and optimize a high-performing credit card portfolio with ambitious growth targets and a commitment to responsible lending.
• Optimize credit decisioning, including who to lend to, limits to set, and rates to offer.
• Stay ahead of economic trends and adapt strategies accordingly.
• Develop and own models that forecast returns and drive investor reporting.
• Define and refine credit strategies that align with evolving portfolio goals.
• Discover data-driven insights using Python and SQL to address key business questions and collaborate cross-functionally.

Requirements

• Daily coding experience with Python and SQL.
• Proven experience in credit risk strategy within finance, ideally within consumer lending.
• Strategic thinking and ability to translate complex data into clear, actionable decisions.
• Results-focused mindset balancing business and customer needs.
• Collaborative, growth mindset and willingness to challenge own assumptions.
• Strong sense of ownership and proactive problem-solving attitude.

Culture & Benefits

• Opportunity to scale up one of the world’s most successful fintech companies.
• Best-in-class compensation including equity.
• Hybrid work model: Work from home every Monday and Friday, with in-office attendance required on other days.
• 401k plan and medical insurance (optical + dental covered).

Hiring process

• Phone call with a recruiter.
• Take-home coding exercise.
• Onsite or video interviews including exercise discussion, case study, and team meeting.