Senior Underwriter (Fintech)

Location: Madrid, Spain; hybrid with 3 days a week in the office

Company

hirify.global is a fintech company using AI and Open Banking data to provide fair, affordable personal finance and consumer lending.

What you will do

• Perform complex manual underwriting assessments for consumer lending applications, including affordability, income verification, bank transaction analysis, and fraud indicators.
• Assess exceptions and borderline cases outside automated decisioning rules while applying responsible lending standards.
• Support the development of underwriting policies, scorecards, affordability rules, credit segmentation, cut-off logic, and referral workflows.
• Work with Risk, Data Science, and Technology teams to implement and validate automated lending rules, verification flows, and fraud prevention controls.
• Monitor underwriting quality, portfolio performance, credit and fraud risks, arrears, policy breaches, and governance controls.
• Coach junior underwriters and help establish procedures, documentation, and operational best practices.

Requirements

• 5+ years of underwriting experience in consumer finance, fintech lending, banking, or regulated lending.
• Strong understanding of unsecured consumer lending products and experience reviewing affordability and transactional banking data.
• Experience working in policy-driven underwriting environments and with automated decisioning systems or underwriting rule frameworks.
• Experience with Spanish consumer lending regulation and responsible lending expectations.
• Strong analytical, decision-making, communication, stakeholder management, and attention-to-detail skills.
• Ability to work hands-on across Risk, Operations, Technology, and Compliance functions.

Nice to have

• Experience in a digital lender or high-growth fintech environment.
• Familiarity with Open Banking-based underwriting models.
• Experience supporting underwriting automation projects.
• Exposure to fraud prevention and financial crime indicators.

Culture & Benefits

• Equity participation in the company.
• 25 days of annual leave plus 8 bank holidays.
• Two paid volunteering days per year.
• One month of paid sabbatical after four years.
• Employee loan and free gym membership through WellHub.
• Team wellness budget for activities such as yoga, tennis, or bouldering.