Financial Risk Specialist (Fintech)

TL;DR

Financial Risk Specialist (Fintech): Designing and maintaining credit risk frameworks and models in compliance with BACEN and IFRS 9 standards with an accent on retail credit exposures and ML/AI-driven risk monitoring. Focus on developing PD/LGD/EAD models, automating reporting workflows with AI agents, and performing stress testing for portfolio resilience.

Location: Remote (Brazil)

Company

hirify.global is building the future of payments, integrating advanced risk management and AI to enable responsible innovation in the acquiring space.

What you will do

• Design, implement, and maintain credit risk models and frameworks aligned with BACEN and IFRS 9 standards.
• Monitor retail credit exposures across merchant and consumer portfolios from origination to scoring.
• Develop and validate ML/AI-based models for PD, LGD, EAD, and behavioral scoring.
• Build AI agents to automate risk monitoring, provisioning, and reporting workflows.
• Partner with the Credit Policy team to define limits and credit appetite aligned with the company’s RAS.
• Perform stress testing, scenario analysis, and model backtesting to ensure resilience.

Requirements

• Solid understanding of BACEN credit risk regulations (Res. BCB 265/2022, CMN 4.557/2017, etc.).
• Deep expertise in the retail credit lifecycle and the payments/acquiring industry.
• Hands-on experience with IFRS 9 ECL modeling (Stages 1, 2, 3) and provisioning.
• Proven experience developing and validating ML/AI credit risk models.
• Strong programming skills in Python, SQL, R, or SAS for modeling and stress testing.
• Advanced English communication skills.

Nice to have

• Familiarity with ICAAP and capital adequacy processes.
• Understanding of model governance, documentation, and audit requirements.

Culture & Benefits

• Remote-first work environment.
• Opportunity to blend deep regulatory expertise with cutting-edge AI and automation.
• Collaborative culture working across Data Science, Finance, and Compliance teams.
• Fast-paced, high-growth environment focused on scalability and innovation.