Senior Credit Risk Analyst

TL;DR

Senior Credit Risk Analyst (Credit Risk/Consumer Lending): Own quantitative credit risk frameworks for the Send Now Pay Later (SNPL) product, driving credit policies, loan pricing models, and portfolio health monitoring with an accent on credit policy optimization, NPL trend analysis, and production-ready model integration. Focus on building end-to-end credit analytics frameworks, running vintage/NPV valuation modeling, and partnering with engineering on challenger testing to improve acquisition approvals while keeping default risk within target bands.

Location: Hybrid (Miami hubs: Miami, DC, San Francisco, New York)

Company

hirify.global builds an AI-powered WhatsApp remittance and consumer lending platform for Latin immigrants in the U.S.

What you will do

• Lead credit analytics for the SNPL team and act as the source of truth for credit insights.
• Deliver executive reporting on portfolio health, NPL trends, and macroeconomic risk factors.
• Own and continuously optimize valuation frameworks, vintage analysis, and NPV credit models.
• Design and build end-to-end credit analytics frameworks for SNPL and future digital credit products.
• Direct acquisition credit policy and customer management policies to balance approval rates and default risk.
• Partner with engineering to integrate scoring models and run champion–challenger testing; explore and validate alternative data sources.

Requirements

• 4+ years of deep analytical experience in credit risk, explicitly managing unsecured consumer lending (credit cards or digital lending).
• Expert-level SQL and statistical data modeling (Python/R, dbt, or similar data infrastructure).
• Proven track record defining and evaluating credit policies, including tradeoffs between growth volume and loss provisions.
• Experience working with data scientists on predictive ML credit scorecards.
• Ability to communicate complex portfolio metrics clearly to C-suite and investment partners.
• Strong bias for action in a fast experimentation environment.

Culture & Benefits

• Hybrid work with hubs in Miami, DC, San Francisco, and New York.
• Health, dental, and vision plans; paid parental leave.
• Initial stock options grant and annual performance bonus.
• Unlimited PTO and continuous learning opportunities.
• Radical transparency, constructive feedback, and an experimentation-driven environment.

Hiring process

• Application review followed by interviews to assess credit risk analytics, modeling, and communication.
• Evaluation of fit for fast experimentation and collaboration with engineering and data science.