Credit Risk Analyst (Fintech)

TL;DR

Credit Risk Analyst (Fintech): Performing end-to-end credit management and underwriting for high-value verticals including e-retail and travel with an accent on in-depth financial analysis and risk mitigation. Focus on conducting detailed corporate risk assessments, monitoring non-delivery exposure, and guiding team members through complex credit proposals.

Location: Hybrid (Warsaw, Poland)

Company

hirify.global is a global leader in payments technology, powering the growth of millions of businesses across five continents.

What you will do

• Conduct in-depth financial analysis of P&L, balance sheets, and cash flow for detailed underwriting and credit assessments.
• Present credit proposals to divisional and group risk committees.
• Perform annual and periodic credit reviews to recommend risk classes, limit adjustments, and collateral setups.
• Collaborate with business development to support the merchant boarding process.
• Communicate directly with merchants at the CFO or treasurer level.
• Review legal documents and amendments to ensure compliance with internal policies.

Requirements

• 4+ years of experience in financial analysis and corporate risk assessments.
• Deep understanding of financial statements, accounting principles, and cash flow analysis.
• Fluency in English.
• Strong communication, negotiation, and stakeholder management skills.
• Ability to prioritize tasks in a fast-paced and changing environment.

Nice to have

• Master’s degree in finance, accounting, or business economics.
• Payment and FinTech industry knowledge.

Culture & Benefits

• Private medical and life insurance.
• Annual bonus and holiday allowance.
• Meal and public transportation allowances.
• Access to the MyBenefit Platform and a referral program.
• Empowering culture with extensive training opportunities.