Principal Credit Risk Analyst (Fintech)

Location: Mountain View, California, United States

Salary: $236,000–$319,500 base pay annually, with potential cash bonus, equity rewards, and benefits.

Company

hirify.global is a financial technology platform serving approximately 100 million customers through products including TurboTax, Credit Karma, QuickBooks, and Mailchimp.

What you will do

• Lead credit risk initiatives for QuickBooks Capital, especially cash-flow-based lending products.
• Design new lending offerings with product, marketing, data engineering, compliance, underwriting, and development partners.
• Define requirements and delivery roadmaps for credit underwriting platforms and data infrastructure.
• Build and lead a high-performing team of credit strategists and analysts.
• Develop customer segmentation, credit strategies, portfolio analyses, and credit policy proposals.
• Use cloud data technology and testing methodologies to improve acquisition strategies, risk-adjusted returns, and business KPIs.

Requirements

• 12+ years of experience in lending or fintech-related industries.
• Strong knowledge of credit bureau attributes and scoring, customer acquisition, scorecard modeling, loan amount assignment, pricing, loss forecasting, or collections.
• Experience building lending products with data-driven solutions.
• Strong business acumen, analytical thinking, communication, relationship-building, and cross-functional influence.
• MS or PhD in statistics, operations research, industrial engineering, economics, or another quantitative field.

Nice to have

• 4+ years of experience managing risk analysts and data scientists.

Culture & Benefits

• Work within a fast-paced, innovative, and high-priority lending business unit.
• Competitive compensation with performance-based rewards.
• Potential cash bonus, equity rewards, and employee benefits.
• Collaborative work across product, data, marketing, compliance, underwriting, and partnerships.