Counterparty & Credit Risk Specialist (Fintech)

TL;DR

Counterparty & Credit Risk Specialist (Fintech): Building and operating the framework for client credit assessment, margin management, and exposure oversight with an accent on regulatory compliance and risk culture. Focus on designing credit limit frameworks, monitoring daily MtM positions, and ensuring robust risk governance within a regulated FX environment.

Location: Must be based in or willing to relocate to Barcelona, Spain (Hybrid/On-site).

Company

hirify.global is a profitable, 200-person fintech and a BNP Paribas company specializing in complex financial solutions for corporate clients.

What you will do

• Draft and maintain internal policies governing collateral, margin methodology, and risk escalation thresholds.
• Design and implement a client tiering model based on creditworthiness and platform margin parameters.
• Monitor daily counterparty exposure, including MtM positions and credit limit utilization.
• Conduct initial and periodic credit assessments for new and existing Liquidity Model clients.
• Present risk exposure reports and limit utilization status to the Risk Committee on a quarterly basis.
• Act as a point of reference for Sales, Operations, and Finance regarding credit risk matters.

Requirements

• Minimum 3 years of experience in credit risk, counterparty risk, or collateral management within a bank, broker-dealer, or regulated FX/derivatives firm.
• Direct experience with FX forwards, margin frameworks (initial/variation margin), and MtM monitoring.
• Strong quantitative skills with the ability to analyze portfolios and calculate margin requirements.
• Fluent in English; Spanish is desirable.
• University degree in Finance, Economics, Mathematics, or a related quantitative discipline.
• Ability to draft clear, structured credit policy documentation.

Nice to have

• Proficiency in Python or SQL for data analysis.
• Prior exposure to EMIR, CRR, or equivalent regulatory requirements.
• Professional certifications such as CFA or FRM.
• Experience in operational risk management.

Culture & Benefits

• Competitive base salary and 31 days of annual leave.
• Private health insurance and flexible working hours.
• Hybrid working model with a modern office in Barcelona.
• Sponsored learning and development budget with free language lessons.
• Access to the resources and stability of a major financial group (BNP Paribas) combined with fintech agility.