Credit Risk Analytics Lead (Fintech)

TL;DR

Credit Risk Analytics Lead (Fintech): Leading decision science, credit models, portfolio performance, and pricing to drive improvements in credit and product performance and strategy. Focus on leveraging data science, machine learning, and AI to build systematic risk models and produce actionable insights for business growth and risk control.

Location: Remote (UK-based candidates only)

Company

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

What you will do

• Lead decision science, credit models, portfolio performance, and pricing to improve credit and product performance.
• Provide insights to optimize underwriting and credit decisioning processes.
• Leverage data science, machine learning, and AI to build systematic credit risk models.
• Produce portfolio monitoring and investigative analysis, making recommendations for product and process enhancement.
• Develop and optimize product pricing models using financial modelling techniques.
• Support collections and recovery teams with data-driven insights and strategies.

Requirements

• Proven experience in decision science, credit risk analytics, data modelling, and AI, ideally within financial services or fintech.
• Strong understanding of risk disciplines including unit profitability evaluation, pricing, risk appetite setting, and credit policy design.
• Demonstrated ability to influence and collaborate with cross-functional teams and senior stakeholders.
• Strong leadership and people management skills with a track record of building high-performing teams.
• Exceptional analytical and problem-solving abilities with a hands-on approach.
• Excellent communication skills, particularly in translating complex findings into accessible, actionable insights.

Culture & Benefits

• Options for flexible and hybrid working.
• 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.
• Diverse and inclusive work environment with a start-up mindset.