Credit Underwriter (Fintech)

TL;DR

Credit Underwriter (Fintech): Analyzing financial data and leading customer calls to assess risk and repayment capacity for new and existing customers with an accent on cash conversion cycles and overall collectability. Focus on refining lending frameworks and collaborating with cross-functional teams to shape underwriting and funding processes globally.

Location: Hybrid in Charlotte, North Carolina. Remote across the US and Europe.

Company

hirify.global's mission is to give the world access to the best products by empowering great businesses to reach their growth potential.

What you will do

• Analyse bank statements, management accounts and non-financial data of new and existing customers.
• Identify and assess the risks involved in funding a variety of business types.
• Lead and support customer calls to validate trading activity and evaluate the sustainability of sales growth, margins and cashflow.
• Work closely with Credit Strategy and Product teams to refine lending frameworks, scoring models and credit policies.
• Collaborate with Sales and Operations teams to understand how customers are acquired and onboarded.
• Work cross-functionally with product, data, engineering and commercial teams on high-impact projects that shape how hirify.global underwrites, funds and supports businesses globally.

Requirements

• 3+ years of relevant experience in commercial lending, underwriting, or credit risk within a bank, fintech, or fund.
• Portfolio management or structured credit experience (e.g., secured lending, RCFs, revenue-based financing).
• Strong understanding of financial statements and credit analysis (P&L, balance sheet, cashflow).
• Comfort leading regular internal and external (client-facing) meetings and presenting findings and recommendations to senior stakeholders.

Nice to have

• CPA, CFA, or equivalent accounting/finance qualification (or currently pursuing one).
• Exposure working with global teams.
• Experience in data-driven underwriting or fintech environments.

Culture & Benefits

• Recharge with 25 days of paid annual leave, plus public holidays.
• Access support and resources to support your wellbeing, including hirify.global's Wellbeing ERG.
• Stay covered with private healthcare, life insurance, and critical illness cover.
• Generous parental and adoptive leave program for both Primary and Secondary caregivers.
• Equity scheme.
• Enjoy the freedom to work remotely from anywhere in the world for up to 60 calendar days a year.

Hiring process

• Expect to hear from a member of the Talent Acquisition team soon.
• If you're a good fit, the first step will be a conversation with a recruiter who will guide you through the next stages of the process.
• The full interview process, which includes meeting the Hiring Manager and completing a case study or interview loop, typically takes approximately two to four weeks.