Credit Risk Specialist (Fintech)

TL;DR

Credit Risk Specialist (Fintech): Designing and maintaining credit risk frameworks and ML/AI models for merchant and consumer portfolios in compliance with BACEN and IFRS 9 standards. Focus on developing automated risk monitoring systems, behavioral scoring, and ensuring portfolio resilience through stress testing and scenario analysis.

Location: Remote (Brazil)

Company

hirify.global is a fintech company building the future of payments with a focus on responsible risk management and financial inclusion in Brazil and beyond.

What you will do

• Design and implement credit risk models aligned with BACEN and IFRS 9 standards.
• Manage retail credit exposures from origination and underwriting to scoring and portfolio performance.
• Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring.
• Build AI agents to automate risk monitoring, provisioning, and reporting workflows.
• Partner with the Credit Policy team to define limits, strategies, and credit appetite aligned with the RAS.
• Perform stress testing, scenario analysis, and model backtesting to ensure portfolio resilience.

Requirements

• Deep knowledge of BACEN regulations (Res. BCB 265/2022, CMN 4.557/2017, CMN 2.682/1999).
• Expertise in the retail credit lifecycle and the payments and acquiring industry.
• Hands-on experience with IFRS 9 ECL modeling and provisioning methodologies.
• Proven experience in developing and validating ML/AI credit risk models.
• Strong programming skills in Python, SQL, R, or SAS.
• Advanced English communication skills.

Culture & Benefits

• Mission-driven team transforming payments in Brazil and internationally.
• Opportunity to work with cutting-edge data and AI technology to build next-gen risk systems.
• Environment focused on advancing financial inclusion and empowering businesses.
• Proactive, fast-paced, and high-growth work culture.