Director, Credit Policy & Underwriting Strategy (Fintech)

TL;DR

Director, Credit Policy & Underwriting Strategy (Fintech): Providing strategic oversight of credit policy and underwriting guidelines for home loans with an accent on process optimization and TPO channel monitoring. Focus on translating credit strategy into actionable guidelines and ensuring robust credit boundaries across channels.

Location: Must be based in the United States. Hybrid options available in San Mateo, CA and Phoenix, AZ; work-from-home available for other US locations.

Salary: $220,000 - $250,000 + bonus

Company

hirify.global is a leading digital personal finance company and fintech unicorn providing personalized financial solutions including personal and home loans.

What you will do

• Manage the formulation of strategic credit policy for hirify.global Home Loans, maintaining objective and robust credit boundaries.
• Translate credit strategy into clear, actionable, and consistently applied underwriting guidelines.
• Bridge the gap between credit strategy/modeling and underwriting operations to optimize processes and reduce cycle time.
• Support the Third-Party Origination (TPO) channel by developing overlays and serving as the credit-policy point of contact.
• Monitor TPO credit performance in real-time, tracking early-payment defaults and fraud signals to trigger policy responses.

Requirements

• 8+ years of experience in mortgage or home-lending credit, underwriting, or credit policy, including authoring guidelines.
• 5+ years of leadership experience across credit policy, underwriting, or quality control functions.
• Deep knowledge of consumer mortgage/home equity products (e.g., HELOC) and the underwriting lifecycle.
• Proven track record of leading strategic transformation initiatives and cross-functional programs.
• Strong analytical, problem-solving, and communication skills.
• Must be based in the USA.

Nice to have

• Experience separating a strategic credit-policy function from underwriting operations.
• Hands-on experience with TPO/wholesale or correspondent channels and their specific credit risks.
• Experience building real-time channel performance monitoring and early-warning frameworks.
• Background in fintech home lending or a high-growth mortgage environment.

Culture & Benefits

• 401(k) with employer match.
• Medical, dental, and vision insurance with HSA and FSA options.
• Competitive vacation, sick time off, and dedicated volunteer days.
• Wellness support via Employee Assistance Program and mental health programs.
• Pet care discounts and financial support via the hirify.global Care Fund.
• Commitment to diversity and inclusion through six employee resource groups.