Consumer Finance Direct Portfolio/Risk Specialist

Location: Any hirify.global Bank corporate office location in the United States; workplace type: Office. Applicants must be currently authorized to work full-time in the United States.

Salary: $57,000–$113,000 annual base salary, plus potential incentive compensation.

Company

hirify.global is a banking organization providing consumer lending and related financial services.

What you will do

• Monitor and analyze direct lending portfolio performance, credit quality trends, and deterioration risks.
• Conduct delinquency, loss, vintage, concentration, economic, operational, and credit risk assessments.
• Prepare portfolio reports, dashboards, executive summaries, and risk metrics.
• Recommend risk mitigation strategies and support credit policy, procedure, and governance documentation.
• Support UAT for system changes, credit strategy enhancements, and new product initiatives.
• Collaborate with Credit, Compliance, IT, Operations, Product, Analytics, and Risk teams on portfolio strategies and process improvements.

Requirements

• 5–10 years of experience in consumer lending, portfolio management, credit risk, underwriting, or a related field.
• At least 4 years of experience in portfolio risk, credit risk, or an analytical role.
• Strong knowledge of direct lending products and consumer credit risk principles.
• Ability to analyze complex data and communicate actionable insights to diverse audiences.
• Experience writing and maintaining credit policies and procedures and supporting UAT testing.
• High school diploma or equivalent required; a bachelor's degree is preferred.

Nice to have

• ACAPS or similar risk/credit certification experience.
• Experience with regulatory exams, internal audits, consumer credit models, scorecards, or risk-based pricing.
• Advanced Excel proficiency and experience with portfolio reporting or analytics tools.
• Bachelor's degree in Finance, Economics, Business, Risk Management, or a related field.

Culture & Benefits

• Office-based workplace with specific work arrangements provided by the hiring team.
• Health insurance, wellness programs, life and disability insurance, and retirement savings plans.
• Paid leave, paid holidays, and paid time off.
• Equal opportunity and tobacco-free hiring practices.