Credit Risk Analyst – SME (d/f/m)

Location: London, UK; hybrid work required

Company

hirify.global is a European fintech providing B2B payment solutions, embedded finance, and white-label credit card products through an API-first platform.

What you will do

• Design, develop, test, calibrate, and continuously improve automated credit risk strategies for unsecured SME exposures.
• Build monitoring processes and early warning systems for credit portfolios.
• Analyze portfolio performance, identify risk drivers, and develop mitigation strategies using empirical data and feature engineering.
• Build dashboards, measure process efficiency, identify workflow bottlenecks, and automate operational processes.
• Build end-to-end data pipelines using SQL, Python, APIs, decision engines, and data orchestration services.
• Collaborate with Risk Management, Data, and Engineering teams while leading cross-functional projects and supporting data-driven decision-making.

Requirements

• Degree in a quantitative, engineering, or related discipline.
• 3–5 years of experience in risk modelling, quantitative analytics, financial engineering, or a similar field.
• Strong understanding of credit risk strategies for unsecured SME exposures.
• Strong data analysis and engineering capabilities; SQL and Python are essential.
• Experience with agile development and ownership of cross-functional projects.
• Fluent English required.

Nice to have

• Familiarity with open banking data and transaction-level insights.
• Experience with statistical modelling software, APIs, decision engines, data aggregation, and orchestration services.
• Additional European languages.

Culture & Benefits

• Opportunity to work in a growing team with significant responsibility and strong knowledge exchange.
• Flat hierarchy, transparent communication, and a relaxed professional atmosphere.
• Flexibility and the possibility to work remotely alongside the hybrid London setup.
• Opportunities for professional development in a dynamic team with ambitious goals.
• hirify.global Card with monthly credit for exploring the product and dining with colleagues.