Credit Analytics

Location: United States (Remote)

Salary: $130K–$170K annually

Company

hirify.global is a consumer fintech platform offering banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto products, backed by Walmart and Ribbit Capital.

What you will do

• Own credit strategy end-to-end across advance, overdraft, and other credit products.
• Create policies that balance business growth and credit risk.
• Analyze customer behavior, segmentation, and cross-product behavioral signals.
• Launch new credit products from scratch using first-principles thinking and limited data.
• Use AI-powered tools and techniques to accelerate analysis and validate predictive insights.
• Present recommendations to senior leadership and cross-functional stakeholders.

Requirements

• 4–8 years of professional experience in credit analytics.
• Experience using quantitative analysis to drive business or product changes in a fast-paced environment.
• Experience with consumer underwriting strategy and/or portfolio risk analytics.
• Advanced SQL and AI skills, with the ability to independently analyze complex datasets.
• Strong analytical thinking, problem-solving skills, and intellectual curiosity.
• Must be based in the United States.

Nice to have

• Experience with cash advance, overdraft, BNPL, or short-term consumer lending.

Culture & Benefits

• Competitive base salary, stock options, and health benefits from Day 1.
• 401(k) plan with company match.
• Remote-friendly work arrangement for the US.
• Flexible time off and opportunities for growth.
• High-growth, mission-driven, and inclusive environment.

Hiring process

• Initial interview with a Talent Partner.
• Technical or hiring manager interview, followed by a team interview.
• Executive interview and offer.