Senior Credit Analyst (Fintech)

Location: London, UK; hybrid work with the option to work from home on Mondays and Fridays, while office attendance is expected on other weekdays.

Company

hirify.global is a fintech company building technology for consumer credit products, including loans, credit cards, car finance, and a new second charge mortgage product.

What you will do

• Define credit policy and underwriting strategy for second charge mortgages, including affordability, eligibility, and decisioning frameworks.
• Develop risk scorecards, segmentation, pricing models, and portfolio performance monitoring.
• Build IRR, NPV, and cash-flow models to assess the economics of secured lending assets.
• Translate credit policy into automated rules and decision trees in collaboration with product and engineering.
• Inform funding strategy, LTV limits, property valuations, portfolio concentration, and security processes.
• Work with legal, compliance, capital markets, commercial, product, and engineering teams to support growth while maintaining portfolio quality and regulatory alignment.

Requirements

• Deep experience in secured lending credit risk, including second charge mortgages or similar products such as bridging, BTL, or specialist residential lending.
• Experience developing or materially contributing to scorecards, pricing frameworks, or secured lending credit policy.
• Knowledge of LTV covenants, property valuations, investor criteria, and the end-to-end secured lending process.
• Strong analytical skills with required SQL experience; Python is advantageous.
• Working knowledge of MCOB and FCA requirements for second charge lending.
• Experience structuring underwriting policies as scalable, programmatic decision logic, scorecards, and rules.

Nice to have

• Experience with loan servicing, settlements, collections, arrears management, and recoveries.
• Exposure to broker distribution models and intermediary channels.
• Experience in a startup or scale-up environment.
• Experience with decisioning platforms or rules engines.

Culture & Benefits

• Opportunity to help build a new secured lending product from scratch in a small, senior, cross-functional team.
• Best-in-class compensation including equity.
• Work-from-home option on Mondays and Fridays, with collaborative office days during the rest of the working week.
• Fresh, healthy lunches prepared in-house from Tuesday to Thursday.
• Private health insurance and support for physical and mental well-being.