VP, Commercial Credit Risk (Fintech)

TL;DR

VP, Commercial Credit Risk (Fintech): Providing independent credit risk oversight for commercial lending portfolios and fintech-enabled programs with an accent on regulatory compliance and sound underwriting standards. Focus on performing second-line reviews, enhancing risk rating methodologies, and managing credit quality for complex portfolios including Healthcare and BaaS activities.

Location: Must be based in or able to work from Fort Lee, New Jersey, USA (Hybrid/Onsite role).

Salary: $200,000–$225,000

Company

hirify.global builds the infrastructure behind innovative financial products, powering payments, cards, lending, and digital assets for fintechs and enterprises.

What you will do

• Perform independent second-line reviews of commercial credit originations and challenge underwriting assumptions.
• Design and enhance internal credit risk rating scorecards and methodologies aligned with regulatory expectations.
• Validate annual reviews, approve rating changes, and conduct impairment analyses for deteriorating credits.
• Monitor portfolio-level credit quality indicators, including delinquency trends and concentration levels.
• Collaborate with analytics teams to support reserve analysis and maintain commercial lending policies.

Requirements

• Minimum 10 years of experience in commercial credit risk, underwriting, or portfolio management in a banking environment.
• At least 5 years in a second line of defense, credit review, or senior credit risk management role.
• Demonstrated expertise in CRE, Construction, Lender Finance, C&I, SBA, or Health Care lending.
• Understanding of CMS/Medicaid/Medicare reimbursement dynamics and regulatory risk factors.
• Experience with FDIC or OCC regulated institutions.
• Bachelor’s degree in Finance, Accounting, Economics, or related field.

Nice to have

• Master’s degree (MBA) or professional certifications (CFA, CRC, FRM, RMA-CCRM).
• Experience with Fintech/BaaS lending programs and third-party risk management.
• Prior involvement in regulatory examination preparation.

Culture & Benefits

• Collaborative and purpose-driven work environment.
• Recognized as one of American Banker’s Best Places to Work in Fintech.
• Opportunity to shape the future of financial infrastructure.
• Focus on innovation, integrity, and professional growth.