Senior Credit Risk Analyst

TL;DR

Senior Credit Risk Analyst: Building and optimizing a high-performing credit card portfolio and credit decisioning strategies with an accent on responsible lending and adapting to economic trends. Focus on developing models for forecasting returns, defining credit strategies, and discovering data-driven insights using Python and SQL.

Location: Hybrid (Virginia, US-based)

Company

hirify.global is a fast-growing fintech company founded in 2014, focused on building technology to help people get credit and save money, having achieved unicorn status and a £3.5bn valuation.

What you will do

• Build and optimize a high-performing credit card portfolio with ambitious growth targets.
• Optimize credit decisioning, including who to lend to, limits, and rates.
• Develop and own models that forecast returns and drive investor reporting.
• Define and refine credit strategies aligned with evolving portfolio goals.
• Discover data-driven insights using Python and SQL to address key business questions.
• Collaborate cross-functionally to implement and improve strategies.

Requirements

• Daily coding experience with Python and SQL required.
• Proven experience in credit risk strategy within finance, ideally within consumer lending, required.
• Strategic thinking and ability to translate complex data into clear, actionable decisions.
• Results-focused mindset balancing business and customer needs.
• Collaborative, growth mindset and proactive problem-solving attitude.

Culture & Benefits

• Opportunity to scale one of the world's most successful fintech companies.
• Best-in-class compensation including equity.
• Hybrid work format: work from home every Monday and Friday, in-office on other days.
• 401k plan and medical insurance (optical + dental covered).
• Company is loved by customers and employees with top reviews.

Hiring process

• Phone call with a recruiter.
• Take-home coding exercise.
• Onsite or Video Interviews: discuss exercise, case study, meet the team.