Associate/Manager, Credit Risk Operations (Fintech)

TL;DR

Associate/Manager, Credit Risk Operations (Fintech): Conducting credit risk reviews and managing written-off portfolios to mitigate losses with an accent on credit underwriting and financial statement analysis. Focus on negotiating payment arrangements, optimizing collection workflows, and delivering risk-based insights to support business growth.

Location: Must be based in Singapore, Sydney, or Melbourne

Company

hirify.global is a unified payments and financial platform for global businesses, providing integrated solutions for business accounts, payments, and treasury management.

What you will do

• Assess client credibility during onboarding and monitoring via financial statement analysis.
• Manage the written-off portfolio to maximize recovery and reduce credit loss.
• Negotiate payment arrangements with clients to recover debts.
• Research account histories to provide tailored recommendations for remedial actions.
• Identify emerging risks and irregularities to resolve or escalate them promptly.
• Provide feedback on data, tools, and policies to improve operational efficiency.

Requirements

• 5+ years of experience in bad debt collections, credit underwriting, and financial statement analysis.
• Strong communication and interpersonal skills, both written and verbal.
• Ability to thrive in a fast-paced environment with a bias for action.
• Comfortable handling complex data and analytics to derive insights.
• Must be located in Singapore, Sydney, or Melbourne.

Nice to have

• Proficiency in SQL.
• Knowledge of the credit card industry.

Culture & Benefits

• Environment promoting founder-like energy, true ownership, and accelerated learning.
• Opportunity to tackle high-visibility problems with an innovative global team.
• Focus on using AI to work smarter and solve problems faster.
• Commitment to diversity and equal opportunity employment.