Senior Credit Risk Analyst

Location: New York, NY; telecommuting is permitted only within a reasonable commuting distance from the New York office.

Salary: $90,000–$140,000 per year

Company

hirify.global develops financial products and credit solutions for consumer and small and medium enterprise lending.

What you will do

• Analyze credit bureau, financial, transactional, and application data to refine underwriting, credit line, and account-level decisioning policies.
• Help build credit policies and risk management infrastructure, including decision frameworks and risk models.
• Design and manage reporting frameworks for credit risk and fraud in partnership with data engineering and analytics teams.
• Automate and optimize credit risk operations and investigate potential identity theft and account takeover incidents.
• Perform root cause and statistical analysis to improve predictive capabilities for credit defaults and risk exposures.
• Collaborate with product, finance, legal, operations, sales, and marketing teams to implement credit strategies and policies.

Requirements

• Bachelor’s degree in finance, economics, statistics, applied mathematics, computer science, data science, business administration, engineering, actuarial science, information systems, management science, or a related field.
• At least 2 years of experience in credit risk analysis or a related role within consumer or small and medium enterprise lending.
• At least 2 years of experience using SQL and Python, including data cleansing, wrangling, visualization, modeling, and interpretation.
• Experience building and maintaining data pipelines, using dbt for data modeling and transformation, and working with APIs.
• Experience with credit risk and fraud reporting frameworks, underwriting strategies, risk management policies, and operational tooling.
• Must be located within a reasonable commuting distance from the New York office.

Culture & Benefits

• Cross-functional collaboration across product, finance, legal, operations, sales, marketing, data engineering, and analytics.
• Hybrid work arrangement with limited telecommuting based on proximity to the New York office.