Senior Credit Analyst (Fintech)

Location: NYC Head Office; on-site

Salary: $140K–$160K per year, plus equity and bonus

Company

hirify.global is a Series B fintech providing virtual corporate cards with dynamic spending limits and profitability-focused software for eCommerce merchants.

What you will do

• Evaluate business credit applications with exposure limits from $50K to $5M+.
• Analyze financial statements, bank transaction data, and real-time business performance.
• Assess industry trends, business model risk, and founder or operator backgrounds.
• Recommend and structure credit decisions, including limits, tenor, and collateral.
• Partner with Sales on complex or higher-risk deals, monitor portfolio health, and review at-risk accounts or limit increases.
• Help evolve credit policies, frameworks, and decisioning models while mentoring junior credit and risk analysts.

Requirements

• 5+ years of experience in credit analysis, preferably in SMB, middle-market, or fintech lending.
• Deep understanding of business credit fundamentals and financial analysis.
• Experience with credit systems, financial modeling, and risk-scoring frameworks.
• Strong judgment, structured decision-making, and the ability to balance risk with commercial outcomes.
• Clear written and stakeholder communication skills.
• Comfort working in a fast-paced startup environment.

Nice to have

• Experience analyzing transaction-level credit data, such as Plaid or Open Banking data.
• Background in fintech, payments, or embedded credit products.
• Familiarity with Anti-Financial Crime and KYB controls.

Culture & Benefits

• Opportunity to shape hirify.global’s credit philosophy and infrastructure.
• Competitive compensation, equity, and benefits.
• High-ownership environment with direct impact on business growth and portfolio quality.
• Collaboration with experienced operators, builders, and fintech risk leaders.