Credit Manager (Fintech)

Location: Kowloon, China; onsite

Company

hirify.global provides payment technology and software solutions for credit, debit, prepaid, and merchant services.

What you will do

• Evaluate credit applications and merchant portfolios using financial data, credit reports, and risk indicators.
• Structure and negotiate reserves, collateral, guarantees, and other deal terms to manage risk exposure.
• Conduct portfolio reviews, due diligence, and risk assessments in line with credit policies and regulatory requirements.
• Prepare credit analyses and executive credit memos with recommendations for senior management.
• Partner with sales, legal, compliance, and external stakeholders on credit strategy and business initiatives.

Requirements

• Bachelor’s degree in Finance, Accounting, Statistics, Business, or a related field.
• At least 3 years of experience in finance, accounting, or credit risk, including 2 or more years as a Credit Analyst.
• Strong expertise in credit risk assessment, financial statement analysis, and portfolio management.
• Ability to evaluate complex deals and make risk-based decisions in a fast-paced environment.
• Excellent communication skills for explaining and defending credit decisions to internal and external stakeholders.

Nice to have

• Experience in payments, merchant acquiring, or fintech.
• Familiarity with KYC processes, regulatory frameworks, and card scheme rules.
• Experience with risk tools, legal filing systems, or third-party credit assessment platforms.
• Experience mentoring junior analysts or leading small teams or projects.

Culture & Benefits

• Work with inclusive, global teams in the payments technology industry.
• Collaborate across diverse perspectives and functions.
• Culture focused on client success, ownership, accountability, innovation, and teamwork.