Head Of Credit Risk (Fintech)

TL;DR

Head Of Credit Risk (Fintech): Architecting and owning the end-to-end credit risk framework for a growing SME finance platform with an accent on regulatory compliance, underwriting standards, and portfolio monitoring. Focus on scaling lending capabilities, leveraging AI/ML for credit processes, and building a high-performing risk team during the company's transition into a Credit Institution.

Location: Must be based in Paris (On-site)

Company

hirify.global is a leading European SME finance management platform providing banking and financial tools for businesses.

What you will do

• Design and own the end-to-end credit risk framework, including policies, underwriting standards, and governance models.
• Serve as the second line of defense by validating complex credit decisions and monitoring key risk indicators like NPL ratios and cost of risk.
• Lead portfolio monitoring and recovery strategies in alignment with IFRS 9 and regulatory requirements.
• Partner cross-functionally with Product, Data, and Financing teams to assess risks for new products.
• Champion the integration of AI/ML into credit risk processes such as automated underwriting and real-time scoring.
• Build and lead a high-performing Credit Risk team from the ground up to support European market growth.

Requirements

• 8–12 years of experience in credit risk with deep expertise in SME or corporate lending within the banking sector.
• Strong command of regulatory requirements including CRR, Basel, and ACPR.
• Proven ability to build risk frameworks from scratch in fast-paced environments.
• Fluent in both French and English.
• Proficiency with data tools such as SQL and Python for portfolio analytics and financial modeling.
• Experience leveraging AI/ML in credit risk processes.

Culture & Benefits

• Fast-paced environment with high impact as the company transitions into a Credit Institution.
• Unlimited access to premium AI tools like Claude, Cursor, Copilot, and Dust.
• Opportunity to build credit infrastructure from the ground up with strong institutional backing.
• Collaborative environment with cross-functional autonomy and merit-based career growth.
• Diverse international team with 80+ nationalities represented.

Hiring process

• Interviews with Talent Acquisition and leadership (1 hour each).
• Remote or live assessment exercise to demonstrate practical skills.
• Average duration of 20 working days.