Senior Credit Risk Manager (Payments)

TL;DR

Senior Credit Risk Manager (Payments): Owns the portfolio-level credit risk management of hirify.global Transfer, helping ensure that money movement remains financially safe and scalable. Focus on designing and operating underwriting programs, making high-impact risk decisions for complex use cases like crypto, and bringing structure and visibility to portfolio risk.

Location: Remote (United States)

Salary: $115,824 - $228,000 a year

Company

hirify.global empowers financial transformation by building tools and experiences that thousands of developers use to create products, enabling millions to live a healthier financial life.

What you will do

• Own Transfer’s credit risk underwriting program, including policies, scorecards, and playbooks.
• Manage portfolio-level financial exposure across ACH, RTP, and FedNow by monitoring customer activity and risk.
• Evaluate complex and higher-risk use cases, such as crypto, lenders, and platforms.
• Partner with Transfer Operations on day-to-day risk decisions and escalations.
• Develop and maintain executive-level risk reporting, including exposure tracking and loss forecasting.
• Collaborate cross-functionally with Product, Engineering, AML/Compliance, and Finance to translate risk policy into tooling.

Requirements

• 8+ years of experience in credit risk underwriting, financial risk, or exposure management within a payments processor, fintech, or lending institution.
• Hands-on experience owning or designing credit underwriting frameworks, including policies, scorecards, and onboarding standards.
• Deep understanding of ACH payments and return risk, including settlement timing and liquidity exposure.
• Proven ability to assess customer solvency and business-model risk, particularly for startups, fintechs, platforms, lenders, or crypto businesses.
• Strong analytical skills, with the ability to evaluate portfolio-level exposure and loss scenarios.
• Excellent cross-functional collaboration and clear written and verbal communication skills.

Nice to have

• Prior experience in credit risk or underwriting at a large-scale payments processor.
• Domain expertise in higher-risk or complex use cases, such as crypto, gaming, or lenders.
• Experience working with or building risk mitigation mechanisms like reserves and pre-funding.
• Familiarity with AML/KYC frameworks and how credit risk underwriting complements compliance and fraud controls.

Culture & Benefits

• Comprehensive benefit plan, including medical, dental, vision, and 401(k).
• Mission to unlock financial freedom for everyone, building a diverse team of driven individuals.
• Commitment to providing reasonable accommodations for candidates with disabilities in the recruiting process.