Director of Credit Risk (Fintech)

TL;DR

Director of Credit Risk (Fintech): Leading the Credit & Spend Management tribe to develop in-house credit engines and multi-product lending suites with an accent on underwriting strategy and P&L accountability. Focus on building automated decisioning systems, optimizing SMB credit portfolios, and reducing reliance on third-party underwriting.

Location: Hybrid in Toronto, Boston, New York, San Francisco, or Vancouver

Salary: CA$187K – CA$231K (Canada) / $212.5K – $262.5K (New York) + Equity

Company

hirify.global is a digital banking platform providing business owners with tools for financial clarity, confidence, and control over their cash flow.

What you will do

• Lead the Credit & Spend Management tribe as a cross-functional GM, managing 6-8 direct reports across risk, product, engineering, data, and design.
• Develop hirify.global's in-house credit engine and monitoring infrastructure to minimize third-party underwriting dependency.
• Define and own credit policy, underwriting strategy, and the full lending portfolio lifecycle from origination to charge-off.
• Drive the growth and iteration of the charge card proposition through data-driven experimentation.
• Manage the credit and debit P&L, balancing sustainable growth with risk and capital appetite.
• Collaborate with banking partners and regulators to ensure alignment on strategy and compliance.

Requirements

• 5-7 years of hands-on experience in credit strategy and analytics, specifically owning underwriting policies and models.
• Proven track record of building or scaling credit products in fintech or early-stage (0→1) environments.
• Technical proficiency with credit infrastructure, APIs, and vendor models.
• Experience incorporating alternative data sources (e.g., Plaid, accounting integrations) into underwriting.
• Experience interacting with bank partners, regulators, or examiners.
• Must be based in or able to work hybridly from Toronto, Boston, New York, San Francisco, or Vancouver.

Culture & Benefits

• High autonomy and ownership over strategic and execution outcomes.
• Culture of relentless reinvention and a bias toward action.
• Integration of AI into daily workflows and product development.
• Direct impact on the success of small business owners.
• Equity offers provided as part of the compensation package.

Hiring process

• Talent team screening call (60 min).
• Hiring manager interview (60 min).
• Panel interview based on a take-home case study (60 min).
• Leadership team interview (60 min).