Director Of Credit (Fintech)

TL;DR

Director of Credit (Fintech): Defining and scaling innovative credit solutions for small businesses across Europe, with an accent on vision, strategy, and end-to-end product lifecycle for lending platforms. Focus on building scalable underwriting systems, optimizing portfolio performance, and ensuring regulatory compliance within UK/EU frameworks.

Location: London

Company

hirify.global is a payment and software service provider, headquartered in London, building easy-to-use, integrated tools for small businesses across Europe.

What you will do

• Define and deliver the credit vision and strategy, covering first-party lending, embedded credit, and third-party partnerships.
• Lead the end-to-end product lifecycle for credit solutions, from onboarding and risk assessment to servicing and collections.
• Develop scalable underwriting and decisioning systems utilizing bureau data, open banking, and behavioral analytics.
• Drive data-led strategies to optimize approval rates, pricing models, and risk tiers while managing portfolio performance.
• Collaborate with C-suite to balance growth, loss rates, capital efficiency, and return on equity.
• Ensure regulatory compliance with UK/EU frameworks for KYC/KYB, affordability, and responsible lending.

Requirements

• 10+ years of experience in credit product or lending strategy roles within fintech, commercial lending, or neobanks.
• Proven track record launching or scaling SME lending products with strong portfolio performance.
• Deep knowledge of credit decisioning, scoring models, affordability, pricing, risk segmentation, fraud prevention, and capital allocation.
• Strong understanding of UK/EU regulatory frameworks (AML/KYC/KYB, open banking, responsible lending).
• Skilled at building cross-functional teams and influencing across various departments.
• Exceptional ability to present insights and strategies to senior leadership and external partners.

Culture & Benefits

• Physical and mental health support via GymPass, including gym access, 1-1 therapy, and nutrition apps.
• Extended and improved maternity and paternity leave choices.
• Cycle-to-Work Scheme, Health and Life Insurance, Pension Scheme.
• 25 days of Annual Leave (+ Bank Holidays).
• Friendly, comfortable, and informal office environment in Central London.
• Commitment to diversity, equity, and inclusion, with reasonable adjustments available during recruitment.