Credit Strategy Director, Home Improvement (AI/Credit Risk)

Location: Hybrid role based in San Francisco, Lehi, New York, or Boston, United States; in-office Tuesdays, Wednesdays, and Thursdays. Remote placement is not considered. Local hours required across PT, MT, CT, or ET time zones. Relocation is offered based on job level.

Salary: $175,000–$205,000 base annually, plus potential equity and annual bonus.

Company

hirify.global provides focused financial products and mobile-first banking experiences designed to help consumers make financial progress.

What you will do

• Own credit risk management and pricing strategy for the Home Improvement unsecured point-of-sale lending segment.
• Develop credit policies, underwriting criteria, exposure limits, segmentation, pricing models, loss forecasts, and portfolio valuations.
• Lead predictive modeling, grading systems, experimentation, and risk-adjusted return optimization.
• Use AI-driven tools to analyze credit performance and identify optimization opportunities with responsible, explainable controls.
• Implement strategy changes through rigorous testing, preventive and detective controls, and documented operating procedures.
• Partner with Product, Business, Engineering, and Data Science teams while reporting risk performance to Credit Committee, the Board, and regulators.

Requirements

• 10+ years of experience in financial services, credit risk management, pricing, portfolio analytics, or lending strategy.
• Deep expertise in unsecured lending, preferably point-of-sale lending or credit cards.
• Experience with credit policy, underwriting strategy, pricing optimization, risk segmentation, loss forecasting, and portfolio analytics.
• Proficiency in SQL, Python, and Tableau, with familiarity with advanced analytics and credit or machine learning models.
• Understanding of AI and ML limitations, regulatory implications, data integrity, model governance, and responsible use in credit decisions.
• Strong communication, collaboration, judgment, and ability to translate analytical strategy into requirements, testing plans, controls, and production implementation.

Nice to have

• Advanced degree in Statistics, Finance, Economics, or a related quantitative field.
• Experience mentoring or developing analytical talent in credit or risk functions.

Culture & Benefits

• Hybrid work model with in-person collaboration across eligible offices.
• Medical, dental, and vision coverage for employees and their families.
• 401(k) matching, health and wellness programs, and flexible time off for salaried employees.
• Up to 16 weeks of paid parental leave.
• Potential long-term equity awards and annual performance-based bonus.
• Travel to hirify.global offices or other locations as needed.

Hiring process

• Interviews may be recorded, transcribed, and summarized using AI tools for selected roles and locations.
• Candidates may opt out of recording, transcription, and summarization before scheduled interviews.