VP of Credit Risk (Fintech)

TL;DR

VP of Credit Risk (Fintech): Leading the credit strategy and P&L for lending decisions at Scratch Pay with an accent on scoring models, policy optimization, and portfolio performance. Focus on expanding the approvable population via alternative data and implementing AI-powered efficiency tools.

Location: Remote (US and Canada). Hybrid option available at the office in Pasadena, CA.

Salary: $250,000 - $275,000 base

Company

hirify.global is a late-stage venture-backed fintech providing financing solutions for veterinary care across the US and Canada.

What you will do

• Serve as the GM for lending profitability, owning credit loss rates, approval rates, and unit economics.
• Design and optimize underwriting criteria, including knockout rules and approval thresholds using champion/challenger analysis.
• Lead collections strategy, including segmentation, treatment paths, and recovery optimization.
• Expand credit access to near-prime and subprime segments by integrating alternative data sources.
• Partner with the SVP of Product to refine the borrower experience on iOS and Android apps.
• Lead and scale a high-performing credit risk and analytics team.

Requirements

• Must be based in the US or Canada.
• Direct experience as a P&L owner at a consumer lending company managing credit loss and yield.
• Proven track record of building unsecured personal loan credit models end-to-end.
• Deep fluency in credit risk concepts: underwriting policy, scoring models, vintage analysis, and loss forecasting.
• Knowledge of consumer lending regulations including TILA, FCRA, ECOA, and UDAAP.
• Expertise with major credit bureaus (Equifax, Experian, TransUnion) and alternative data sources.

Nice to have

• Experience at a fintech or marketplace lender (BNPL or installment lending).
• Demonstrated success using alternative underwriting to extend credit to subprime applicants.
• Hands-on experience with ML-based scorecards or logistic regression.
• Experience scaling analytics teams from small to multi-functional.

Culture & Benefits

• Remote-first culture offering ultimate flexibility for nomadic work styles.
• Unlimited PTO and covered healthcare.
• 401k match and equity retention policy.
• Generous parental leave and cell plan reimbursement.
• Access to learning platforms and professional growth resources.