Senior Credit Strategy Analyst

TL;DR

Senior Credit Strategy Analyst (Personal Loans): Own end-to-end implementation of credit and fraud policies within the decisioning platform with an accent on underwriting strategies, portfolio performance analysis, and loss mitigation. Focus on designing decision rules, segmentation strategies, and experimentation frameworks while partnering cross-functionally to deploy and monitor KPIs.

Location: San Francisco, CA (Remote). This role will be based in the US.

Salary: $124,000 — $155,000 USD

Company

hirify.global empowers ambitious professionals to make confident financial decisions through smarter borrowing options and debt management.

What you will do

• Own end-to-end implementation of credit and fraud policies across product lines, including testing, deployment, and validation.
• Develop and optimize credit underwriting and fraud prevention strategies balancing growth, risk, and customer experience.
• Analyze portfolio performance, approval funnels, and fraud trends to identify enhancement opportunities.
• Design, test, and implement decision rules, segmentation, and policy changes using data-driven frameworks.
• Partner with Product, Data Science, Compliance, and Operations for strategy deployment and monitoring.
• Build dashboards and reporting to track KPIs like approval rates, losses, and fraud rates.

Requirements

• 3+ years in risk management within consumer finance, banking, or lending.
• 1+ years implementing credit strategies in a loan decisioning platform (e.g., Alloy).
• Experience with credit bureau data (Experian, TransUnion, Equifax) and alternative sources.
• Strong knowledge of consumer lending regulations and guidelines.
• Proficiency in SQL and Python for data analysis and strategy development.
• Ability to analyze data, identify trends, and translate insights into recommendations.
• Experience with decisioning platforms for credit and fraud strategies.

Nice to have

• 1+ year with consumer fraud tools and monitoring trends.
• Experience with BI tools like Looker or Tableau.
• Familiarity with internal controls and risk governance.
• Experience validating data integrity and troubleshooting systems.
• Executing cross-functional initiatives with limited oversight.
• Strong understanding of data structures and quick learning of new tools.

Culture & Benefits

• Health, Dental, & Vision benefits plus savings plans and 401(k) with company match.
• Mac computers, work-from-home stipend, monthly internet/phone reimbursement.
• Employee Stock Purchase Plan and Restricted Stock Units (RSUs).
• Robust tuition reimbursement and $1,000 travel perk annually.
• Competitive PTO and parental leave.
• Culture emphasizes speed, resilience, excellence, teamwork, and humor.