Portfolio Economics Lead (Fintech)

TL;DR

Portfolio Economics Lead (Fintech): Own the unit economics engine for a credit card portfolio, including LTV/NPV modeling, profitability frameworks, pricing, credit limits, and portfolio analytics with an accent on live decision-making and scalable financial models. Focus on building production-grade economics systems, evaluating cohort and marginal economics, and turning complex trade-offs into clear rules for Product, Growth, Risk, and Finance.

Location: Hybrid in Manila, Philippines; relocation required

Company

hirify.global is a technology-driven fintech company building banking and lending products across Southeast Asia, starting in the Philippines.

What you will do

• Own the end-to-end LTV/NPV model for the credit card portfolio, including methodology, implementation, assumptions, and governance.
• Audit the existing unit economics model and deliver a production-grade model within six to nine months.
• Define profitability frameworks for pricing, credit limits, acquisition strategies, rewards, and product changes.
• Establish portfolio metrics such as ROI, contribution margin, payback curves, capital efficiency, and scaling thresholds.
• Run portfolio reviews, interpret A/B tests, and recommend rollout or discontinuation decisions based on profitability.
• Lead the analytics stream and translate portfolio economics into decision rules for Product, Growth, Risk, and Finance.

Requirements

• Availability to work in Manila, Philippines with relocation required
• 5+ years of experience in fintech, lending, or portfolio economics with direct ownership of profitability outcomes.
• Experience building and owning LTV/NPV models used in live business decisions.
• Advanced SQL and Python skills, including hands-on model development.
• Strong knowledge of LTV, ROI, marginal economics, cohort behavior, and portfolio dynamics.
• Ability to evaluate growth versus profitability and build scalable economics systems.

Culture & Benefits

• Direct ownership and responsibility from day one.
• High standards and direct communication.
• Collaboration with experienced specialists in regulated financial companies.
• Opportunity to influence how millions of people access and manage money.

Hiring process

• SQL and Python capabilities will be verified during the hiring process.