Senior Credit Analyst (Fintech)

TL;DR

Senior Credit Analyst (Fintech): Designing and refining credit underwriting and limit strategies for hirify.global's credit card products with an accent on portfolio performance analysis, profitability modelling, and strategic decision-making. Focus on optimising risk and growth, identifying revenue and risk pressure points, and ensuring sustainable product scalability.

Location: Remote within the UK, with optional office presence in London or Cardiff. hirify.global can sponsor visas and help with relocation to the UK.

Salary: £76,500–£95,000 + Options + Benefits

Company

hirify.global is a UK digital bank on a mission to make money work for everyone by offering personal and business bank accounts, joint accounts, kids accounts, credit cards, savings, investments, and pensions.

What you will do

• Design and refine credit underwriting and limit strategies to optimise risk and growth for credit card products.
• Analyse credit card portfolio performance, including arrears, utilisation, revenue, losses, and vintage curves.
• Build and interpret NPV and profitability models to inform strategic decisions.
• Develop segmentation frameworks to identify revenue and risk pressure points.
• Partner with Product and Engineering teams to design and test new features and strategy changes.
• Present clear, structured recommendations to senior stakeholders and ensure strategies align with regulatory requirements.

Requirements

• Experience in unsecured lending, ideally within credit cards.
• Strong understanding of credit card economics (APR, utilisation, interchange, revolving behaviour, cost of funds, losses).
• Experience building or influencing credit strategies (underwriting, limit management, pricing).
• Strong analytical and data capabilities, with SQL proficiency required.
• Experience working with NPV models, profitability analysis, and portfolio forecasting.
• Confidence communicating complex analysis clearly to non-technical stakeholders.

Nice to have

• Experience working in a regulated UK lending environment.
• Exposure to IFRS9, stress testing, or capital modelling.
• Experience in experimentation or strategy testing frameworks.
• Python and Looker experience.

Culture & Benefits

• Competitive salary range of £76,500 to £95,000 plus options and benefits.
• Flexible working hours with freedom to work remotely within the UK.
• Learning budget of £1,000 a year for books, training courses, and conferences.
• Emphasis on diversity and inclusion, with support for growth.
• Opportunities to work on innovative, responsible lending products.

Hiring process

• Initial recruiter and hiring manager calls.
• Take-home task.
• Three final interviews: case study, role-specific, and behavioural.