Secured Credit Risk Manager (Fintech)

Location: London, UK; hybrid. Work from home is available on Mondays and Fridays, with office attendance on other working days.

Company

hirify.global is a fintech company building technology for consumer credit products, including loans, credit cards, car finance, and secured lending.

What you will do

• Define credit policy and underwriting strategy for second charge mortgages, including affordability, eligibility, and decisioning frameworks.
• Develop risk scorecards, segmentation, pricing models, and portfolio monitoring strategies.
• Build IRR, NPV, and cash-flow models to assess asset economics and guide lending decisions.
• Translate credit policy into automated rules and decision trees with product and engineering teams.
• Shape funding, property valuation, security, and portfolio concentration policies with Capital Markets and other stakeholders.
• Monitor portfolio performance and collaborate with product, engineering, legal, compliance, and commercial teams on growth and regulatory alignment.

Requirements

• Deep experience in secured lending credit risk, particularly second charge mortgages or comparable secured products.
• Experience building or materially contributing to risk scorecards, pricing frameworks, or secured lending credit policy.
• Understanding of LTV covenants, property valuations, investor criteria, and the end-to-end secured lending process.
• Strong analytical skills and commercial judgment, including the ability to interrogate management information and balance growth with portfolio quality.
• SQL is required; experience with Python is beneficial.
• Working knowledge of MCOB and FCA requirements for second charge lending, plus experience designing scalable automated decision logic.

Nice to have

• Experience with loan servicing, settlements, collections, arrears management, and recoveries.
• Exposure to broker distribution models and intermediary channels.
• Startup or scale-up experience, or experience transitioning from a large organization.
• Experience with decisioning platforms or rules engines.

Culture & Benefits

• Opportunity to work at a fast-growing fintech company serving the UK and US markets.
• Best-in-class compensation package, including equity.
• Private health insurance and support for physical and mental well-being.
• Fresh lunches prepared in-house from Tuesday to Thursday.
• Inclusive workspace in London and a collaborative environment with regular in-office work.