Director, Credit Risk

Location: Newark, Delaware, United States; flexible hybrid working arrangements

Company

hirify.global provides education financing and support to help students plan for higher education, complete their studies, and prepare for life after school.

What you will do

• Provide independent second-line oversight and constructive challenge to first-line credit strategies, assumptions, controls, and portfolio actions.
• Conduct credit risk assessments and thematic reviews across origination, servicing, loss mitigation, and recovery.
• Monitor credit risk appetite, key risk indicators, portfolio trends, concentration limits, and emerging risks.
• Oversee credit policies, analytics, decisioning frameworks, models, and supporting tools across the credit lifecycle.
• Support Allowance for Credit Losses methodologies, regulatory examinations, audits, and risk governance activities.
• Prepare executive and committee-level risk reporting, collaborate with finance, originations, collections, compliance, audit, and operational risk teams, and mentor risk leaders.

Requirements

• Bachelor’s degree in Finance, Economics, Business, or a related field; advanced degree or CRC, FRM, or CFA certification is preferred.
• At least 7 years of first-line or second-line credit management experience in financial services, focused on the credit lifecycle.
• Strong understanding of lines-of-defense responsibilities, risk governance frameworks, credit policies, and U.S. banking regulations.
• In-depth knowledge of consumer or commercial lending products, such as student loans, mortgages, credit cards, or small-business lending.
• Experience influencing cross-functional stakeholders, constructively challenging decisions, and communicating complex analytics to executive audiences.
• Proficiency in Python, SAS, SQL, and Microsoft Office Suite, along with strong analytical, communication, problem-solving, judgment, and stakeholder-management skills.

Nice to have

• Experience with credit models, risk appetite statements, issue management, segmentation strategy, vendor management, or regulatory exam support.
• Advanced degree or CRC, FRM, or CFA certification.

Culture & Benefits

• Hybrid work environment with a focus on impact, continuous learning, and improving student experiences.
• Competitive base salary and bonus incentives.
• Paid time off, floating holidays, and 12 observed federal holidays.
• 401(k) with employer match, comprehensive medical, dental, vision, insurance, disability, and life-insurance coverage.
• Parental leave, adoption reimbursement, tuition reimbursement, family scholarship programs, and career development opportunities.
• Fitness centers in Delaware, gym subsidies elsewhere, counseling support, health advocacy, and wellness programs.