Chief Credit Risk Officer (Fintech)

TL;DR

Chief Credit Risk Officer (Fintech): Leading and overseeing all aspects of credit risk management across Fintech Banking, Commercial Banking, and Principal Finance Group with an accent on risk appetite frameworks, underwriting standards, and regulatory compliance. Focus on integrating Agentic AI into credit processes and managing complex portfolio analytics for scaling lending products.

Location: Fort Lee, New Jersey, United States (Hybrid/Onsite)

Salary: $280,000 - $350,000

Company

hirify.global builds the financial infrastructure that powers payments, cards, and lending for leading fintechs and enterprises globally.

What you will do

• Define and execute enterprise-wide credit risk strategies aligned with growth and regulatory requirements.
• Oversee underwriting standards and portfolio management for payments, BaaS partnerships, and commercial lending.
• Manage CECL and market-to-market valuation reserves, reviewing model assumptions and outputs.
• Partner with technology teams to embed risk controls into automated platforms using Agentic AI and ML.
• Lead relationships with regulators (OCC, FDIC, Fed) and oversee model risk management (MRM).
• Mentor and grow a high-performing credit risk organization focused on data-driven decision-making.

Requirements

• 15+ years of progressive experience in credit risk management within banking, fintech, or financial services.
• Deep expertise in consumer and commercial credit underwriting and loss mitigation.
• Strong understanding of regulatory frameworks governing bank lending and risk management.
• Experience with CECL/Allowance processes and model risk management.
• Bachelor's degree in Finance, Economics, Mathematics, or a related field.
• Must be located in or able to work from Fort Lee, New Jersey.

Nice to have

• Advanced degree (MBA, Master's, or PhD) in a quantitative or business discipline.
• Prior experience at a fintech bank, digital lender, or BaaS provider.
• Professional certifications such as FRM, PRM, or CFA.

Culture & Benefits

• Competitive compensation package including base, bonus, and equity.
• Opportunity to shape credit risk strategy at the intersection of banking and technology.
• Collaborative and innovation-driven corporate culture.
• Comprehensive benefits including health insurance and retirement plans.