Head of Risk, Decision Science & Portfolio Strategy (Fintech)

Location: Remote, United States

Annual US base salary: $270,000–$300,000

Company

hirify.global builds embedded capital and credit products for small businesses through vertical SaaS platforms, payments platforms, and marketplaces.

What you will do

• Own the performance, deployment, monitoring, governance, and validation of statistical and machine learning models used for credit decisioning.
• Direct credit strategy, including underwriting policies, approval logic, pre-qualification, credit limits, pricing, and risk appetite criteria.
• Monitor portfolio performance, build early-warning systems, and drive timely strategy adjustments across credit products.
• Own the data quality roadmap, identify missing signals, source new internal or third-party data, and define data infrastructure requirements.
• Work with Risk Operations, Engineering, Product, Capital Markets, and Finance on production implementation, loss forecasting, reserves, compliance, and facility covenants.
• Lead and develop a team of seven risk specialists responsible for modeling, strategy translation, and portfolio monitoring.

Requirements

• 8+ years of experience in credit risk, including work with fintech, marketplace lending, banking, consumer lending, or SMB lending products.
• Deep expertise in credit strategy for MCA or unsecured loan products.
• Hands-on experience with machine learning and statistical modeling for credit decisioning, including gradient boosting, logistic regression, or survival models.
• Experience translating model outputs into underwriting policies, approval logic, and pricing frameworks that improve portfolio results.
• Experience building monitoring frameworks, early-warning systems, and feedback loops between strategy and outcomes.
• Fluency in Python and SQL, willingness to debug raw data logs, and experience sourcing and integrating new data for credit performance.

Nice to have

• Experience with embedded finance, B2B2C distribution models, or platform-based lending.
• Familiarity with bank transaction, payment processing, or SaaS MRR data for underwriting.
• Experience with credit products for underserved or thin-file borrowers.
• Proficiency in R for analysis and model development.

Culture & Benefits

• Fully remote work with flexible vacation and working hours.
• Health, dental, and vision insurance.
• Generous parental leave regardless of gender.
• Company-provided equipment.
• Culture focused on authenticity, humility, excellence, and a sustainable pace of execution.