VP, Consumer & Counterparty Credit Risk (Fintech)

TL;DR

VP, Consumer & Counterparty Credit Risk (Fintech): Leading 2nd line oversight of consumer credit risk for retained portfolios, payments, and structured financing with an accent on independent risk assessment and credit appetite frameworks. Focus on providing effective challenge to first-line teams, monitoring portfolio performance, and ensuring robust risk management across prime and sub-prime consumer assets.

Location: Must be based in or able to work from Fort Lee, New Jersey, USA (Hybrid/Onsite role).

Salary: $200,000–$250,000

Company

hirify.global builds the financial infrastructure powering payments, cards, lending, and digital asset capabilities for leading fintechs and enterprises.

What you will do

• Oversee the credit risk appetite framework for consumer assets and structured financing.
• Develop and monitor credit risk metrics, including KRIs and KPIs.
• Provide independent challenge to first-line and partner risk teams regarding underwriting, collections, and recoveries.
• Review structured credit facilities and approve limits and reserve settings.
• Monitor retained consumer loan portfolios and escalate emerging risks to senior management.

Requirements

• 15+ years of leadership experience in consumer life-cycle risk management.
• Expertise in profitability-based risk-reward assessments (NPV) and model-based frameworks.
• Deep knowledge of unsecured closed-end and revolving products, including prime and sub-prime portfolios.
• Experience with Payments, Nacha rules, and network chargeback rules.
• Familiarity with stress testing and applicable consumer regulatory requirements.
• Degree in a quantitative or related field.

Culture & Benefits

• Collaborative and purpose-driven work environment.
• Recognized as one of American Banker’s Best Places to Work in Fintech.
• Opportunity to shape the future of financial infrastructure.
• Focus on innovation, integrity, and professional growth.