Manager 3, Credit Risk (Fintech)

TL;DR

Credit Risk Manager (Fintech): Leading the credit risk strategy for QuickBooks Capital's small business lending portfolio with an accent on risk appetite, underwriting strategies, and portfolio growth. Focus on optimizing risk vs. growth tradeoffs, building scalable automated decisioning systems, and managing multi-billion dollar lending functions.

Location: Mountain View, California

Salary: $233,500 - $316,000

Company

hirify.global is a global financial technology platform powering prosperity for millions of customers worldwide through products like TurboTax, Credit Karma, QuickBooks, and Mailchimp.

What you will do

• Oversee the overall credit risk strategy development for QB Capital Direct Lending products, defining risk appetite and portfolio guardrails.
• Lead the design and evolution of underwriting strategies, segmentation, and pricing frameworks.
• Set the vision for portfolio analytics, focusing on vintage performance, lifetime value, and risk-adjusted returns.
• Partner with Data Science to prioritize and shape credit models and automated decision systems.
• Lead and mentor a team of credit risk analysts and managers to foster a data-driven culture.
• Ensure robust risk governance, policy frameworks, and regulatory compliance.

Requirements

• Advanced degree (MS/PhD) in a quantitative field such as Statistics, Economics, Operations Research, or Engineering.
• 15+ years of experience in credit risk within lending, fintech, or financial services.
• 8+ years of people leadership experience managing high-performing risk or data science teams.
• Proven track record owning credit strategy for large-scale lending portfolios (preferably $2B+).
• Deep expertise in underwriting, credit policy design, and end-to-end portfolio risk management.
• Strong analytical skills with hands-on experience in SQL and data-driven decisioning.

Nice to have

• Experience in small business lending, merchant financing, or embedded finance ecosystems.
• Familiarity with alternative data underwriting (cash flow, transaction data).
• Direct experience deploying credit risk models and decision engines in production.
• Experience partnering with Capital Markets teams on funding strategies and investor reporting.

Culture & Benefits

• Competitive compensation package with a strong pay-for-performance rewards approach.
• Eligibility for cash bonuses and equity rewards.
• Comprehensive benefits for full-time employees.
• Commitment to ongoing fair pay across ethnicity and gender.