Head of Credit Portfolio Management (Fintech)

TL;DR

Head of Credit Portfolio Management (Fintech): Leading and shaping credit portfolio management, model development, and lending strategy for a fast-growing UK fintech bank. Focus on optimizing risk-return, managing IFRS9 models, and driving data-driven decision-making in commercial lending.

Location: Hybrid working with a London Office presence required.

Company

hirify.global is the UK’s fastest-growing financial technology (Fintech) firm, focused on serving established SMEs.

What you will do

• Lead and develop teams in Credit Models and Lending Strategy.
• Define and execute strategic direction for credit portfolio management and analytics.
• Oversee impairment forecasting, stress-testing, and IFRS9 reporting.
• Drive the roadmap for model development, deployment, and lifecycle management, including GenAI credit models.
• Ensure compliance with IFRS9 standards and UK regulatory expectations.
• Act as a player-manager, combining hands-on work with leadership and mentoring.

Requirements

• 8+ years of senior leadership experience in credit portfolio management within commercial banking/lending.
• Deep knowledge of IFRS9 provisioning and related model families (PD, LGD, SICR, EAD, Economic Response modelling).
• Strong experience in stress testing, scenario analysis, and bridging analytics into capital and provisioning decisions.
• Ability to present complex material to senior committees and external stakeholders (regulators, auditors).
• Good understanding of UK regulatory expectations (IFRS9, PRA).
• Strong capability in people leadership and stakeholder management.

Nice to have

• Experience in modelling or deep understanding of modelling methods.
• Coding ability in Python/SQL.

Culture & Benefits

• Flexible and hybrid working options.
• Full onboarding support and continued development opportunities.
• Pension contributions and discretionary bonus scheme.
• Private health cover and life assurance.
• Family friendly policies including enhanced Maternity & Paternity leave.
• Regular social activities in a diverse and inclusive environment.