Secured Credit Risk Manager (Fintech)

TL;DR

Secured Credit Risk Manager (Fintech): Building a second charge mortgage product from the ground up with an accent on credit strategy, risk assessment, and pricing. Focus on designing automated decisioning logic and refining risk scoring models to balance growth with portfolio quality.

Location: Hybrid in London, UK

Company

hirify.global is a profitable fintech unicorn dedicated to building world-class technology for consumer credit and savings.

What you will do

• Define credit policy and underwriting strategy for second charge mortgages, including affordability and eligibility frameworks.
• Develop and refine risk scoring, pricing models, and risk segmentation to balance volume with quality.
• Design automated decisioning logic and translate credit policy into executable rules for the platform.
• Manage IRR, NPV, and cashflow models to ensure the economic viability of booked assets.
• Collaborate with the Capital Markets team to set investor parameters regarding LTV limits and property valuations.
• Monitor portfolio performance through early indicators and report outcomes to senior stakeholders.

Requirements

• Deep experience in secured lending credit risk (second charge mortgages, bridging, or BTL).
• Proven track record of building scorecards and pricing frameworks in a secured lending environment.
• Strong understanding of LTV covenants, property valuations, and investor criteria.
• Analytical proficiency with SQL required and Python experience as a plus.
• Working knowledge of MCOB and FCA regulatory requirements for second charge lending.
• Experience structuring underwriting policy as programmatic decision logic and rules for scale.

Nice to have

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

Culture & Benefits

• Best-in-class compensation including equity.
• Hybrid work model: work from home every Monday and Friday, with office collaboration Tuesday-Thursday.
• Fresh, healthy lunches prepared by in-house chefs in the office.
• Private health insurance coverage for physical and mental well-being.
• Inclusive and open workspace culture based in London.