Senior Manager, Credit Analytics (Fintech)

Location: Quarry Bay, Hong Kong

Company

hirify.global is a pan-Asian fintech platform operating digital banks and online financial services in Hong Kong, Mainland China, and Indonesia.

What you will do

• Lead credit risk management, portfolio strategy, and analytics for an unsecured retail lending business.
• Analyze business performance, portfolio trends, customer behavior, and root causes to identify risks and optimization opportunities.
• Develop portfolio strategies balancing growth, profitability, and risk appetite, and evaluate lending initiatives and business proposals.
• Prepare management reports, portfolio insights, dashboards, segmentation, forecasts, and scenario analyses.
• Use analytical and predictive techniques to improve portfolio quality and commercial outcomes.
• Partner with Business, Product, Marketing, Finance, Operations, Collections, and Data teams, presenting recommendations to senior management.

Requirements

• At least 10 years of experience in credit risk management and portfolio analytics, preferably in money lending or consumer finance.
• Bachelor’s degree or above in Finance, Economics, Statistics, Data Science, Mathematics, or a related quantitative discipline.
• Experience designing and analyzing credit decisions or risk models that support business growth while controlling risk.
• Strong collaboration and influence skills in matrixed environments spanning business, product, technology, and compliance.
• Hands-on proficiency in SQL and Python, or R/SAS, for portfolio analytics.
• Proactive, adaptable, resilient, and able to take ownership in a fast-paced fintech environment.

Nice to have

• Experience with BI tools such as Power BI or Tableau.
• Exposure to machine learning techniques applied to credit risk.

Culture & Benefits

• Learning and development stipend.
• Flexible time off and wellness activities supporting physical and mental wellbeing.
• Open-plan office, individual thinking pods, and free food and drinks.
• Social activities including hiking, yoga, badminton, board games, and ping pong.