Credit Strategy Director (Fintech)

TL;DR

Credit Strategy Director (Fintech): Designing and evolving a data-driven credit and fraud risk strategy to improve approval rates and credit decisioning with an accent on high-line pass rate growth. Focus on implementing test-and-learn strategies, automating underwriting workflows, and enhancing B2B decision engines.

Location: Hybrid (London, UK) — Requirement to be in the office three days per week

Company

hirify.global is a global leader in business payments and an S&P 500 company focused on developing innovative digital solutions for expense management.

What you will do

• Own the strategy to improve approval rates for high credit lines, identifying friction points and decline drivers.
• Define underwriting policies, escalation paths, and structured exception frameworks for high-line decisions.
• Partner with Analytics and Data Science to deliver a differentiated decision engine for complex B2B clients.
• Drive decisioning efficiency through workflow automation and operational tooling.
• Act as the senior credit strategy partner to the product team, aligning policy with growth goals and client experience.
• Establish comprehensive performance reporting for pass rates, approval time, and loss metrics.

Requirements

• 8–12+ years of experience in credit strategy, underwriting, risk, or portfolio management.
• Demonstrated success in improving approval rates while maintaining portfolio performance.
• Strong quantitative skills in policy analytics, segmentation, and cohort analysis.
• Experience partnering with data science teams and utilizing credit bureau data.
• Must be based in London to support the hybrid work model (3 days/week in office).

Nice to have

• Experience in payments, AP automation, or the fintech industry.
• Knowledge of fraud and identity controls intersecting with credit outcomes.
• Experience designing governance for large exposures and escalations.

Culture & Benefits

• 25 days annual leave plus 8 bank holidays, with an option to buy or sell up to 5 days.
• Pension match with a company contribution of 5%.
• Private health insurance provided by Vitality (excess covered by company).
• Complimentary access to thousands of online courses for professional development.
• Volunteering days and engagement in company-wide contests and initiatives.