Credit Risk Manager (Portfolio Management)

TL;DR

Credit Risk Manager (Portfolio Management): Own portfolio monitoring, forecasting, and risk-based pricing for hirify.global’s Flex credit card portfolio with an accent on zero-to-one strategy building, lifecycle engagement loops, and proactive loss mitigation. Focus on leading a team of credit analysts and translating complex risk and data insights into clear narratives for executive stakeholders.

Company

hirify.global is a UK fintech building modern banking products and data-driven decision making.

What you will do

• Build and oversee portfolio performance monitoring and forecasting for risk and revenue metrics.
• Architect and optimize an ongoing risk-based pricing program balancing commercial viability and fair customer outcomes.
• Design and deploy credit strategies for lifecycle events (product upgrades, engagement incentives, balance transfer propositions).
• Develop proactive loss mitigation frameworks (e.g., credit limit decrease strategies) to reduce losses while supporting vulnerable customers.
• Lead and scale an initial team of 3 credit analysts, coaching and developing analytical talent.
• Act as the embedded credit risk expert in product squads and coordinate with 2nd Line Credit Risk, Legal, and Compliance.

Requirements

• Location: must be based in the UK (London office or distributed working within the UK).
• Commercial, strategic credit leadership with deep experience in unsecured lending portfolios (ideally credit card lifecycle management).
• Portfolio management experience including risk-based pricing, retention, product upgrades, and loss mitigation strategies.
• Ability to thrive in ambiguous “zero-to-one” environments and challenge legacy banking assumptions.
• Strong stakeholder management and ability to communicate complex data to executive-level audiences.
• Strong technical/data capabilities: SQL is a must-have; Python and Looker experience is a plus.

Culture & Benefits

• Flexible working hours and trust to work enough hours to do the job well.
• Distributed working within the UK with ad hoc in-person meetings in London; no pressure to come into the office.
• Learning budget of £1,000 per year for books, training courses, and conferences.
• Visa sponsorship available and support to relocate to the UK.
• Embedded collaboration with product squads across Product, Engineering, Design, Marketing, Customer Research, and Data.

Hiring process

• Recruiter call.
• Initial call with the hiring manager.
• Final loop with interviews meeting the team (average 3–4 weeks).

Location: London or Remote (UK)

Salary: £100,000 - £130,000 + Incentive Awards tied to performance