Principal Analyst - Credit Risk

TL;DR

Principal Analyst - Credit Risk (Credit Risk Analytics): Building loss mitigation and forecasting capabilities for consumer lending, with an accent on CECL-based loss forecasting, predictive collections modeling, and optimizing recoveries from non-performing loans. Focus on designing data models and automated conversational contact strategies (WhatsApp/SMS) while presenting credit risk impact to C-suite stakeholders and managing credit loss budget and vendor performance.

Location: Remote work environment (hybrid model possible; offices in Miami and Mexico City)

Company

hirify.global builds an AI-powered remittance and financial ecosystem for Latin immigrants in the U.S., using WhatsApp-based payments and modern fintech infrastructure.

What you will do

• Architect and execute next-generation loss mitigation strategies to optimize collections and recoveries for bad loans.
• Partner with Operations to define automated contact strategies and friction-free customer touchpoints using WhatsApp, automated flows, and omnichannel systems.
• Build predictive collections models (e.g., propensity-to-pay scorecards) to prioritize resources and maximize recovery ROI.
• Own loss forecasting models using CECL methodology to improve corporate capital resiliency.
• Manage and report the credit loss budget and operational capacity planning to the C-suite.
• Lead evaluation, technical vetting, onboarding, and performance tracking of third-party credit loss collection vendors and software.

Requirements

• 5+ years of quantitative experience in credit risk analytics with a specialization in loss mitigation, collections strategy, and loss forecasting/provisioning.
• Hands-on mastery of SQL, data pipelines, and advanced analytics/predictive modeling using Python or R; ability to build independent data structures.
• Deep understanding of modern collections technology, including experience designing recovery frameworks in digital/conversational channels (WhatsApp/SMS ecosystems).
• Expert ability to communicate technical risk data and financial impacts clearly to C-suite, founders, and bank sponsors.
• Proven extreme ownership and autonomy: independently steering large cross-functional initiatives and identifying problems without a roadmap.

Culture & Benefits

• Remote work environment with offices in Miami and Mexico City; hybrid model possible.
• Competitive salary, initial stock options grant, and annual performance bonus.
• Health, dental, and vision plans; unlimited PTO and paid parental leave.
• Continuous learning opportunities in a dynamic, entrepreneurial environment.

Hiring process

• Not specified in the posting.