Director of Credit (Fintech)

Location: Remote within the United States

Company

hirify.global is a fintech platform that provides embedded financing for software, hardware, and hybrid technology companies, including deferred payments, installment financing, leasing, and receivables financing.

What you will do

• Personally underwrite and sign large-ticket commercial credit transactions, including exposures above $500,000 and up to approximately $2.5 million.
• Analyze audited and CPA-reviewed financial statements, leverage, coverage, liquidity, quality of earnings, ratings, bankruptcy risk, and going-concern considerations.
• Structure transactions using first payments, amortization, compressed exposure windows, guaranties, vendor recourse, residual assumptions, and collateral perfection.
• Write credit memos, present decisions to Credit Committee, defend recommendations, and provide timely escalation decisions to analysts, sales, and vendor partners.
• Set standards for files sold, participated, or forward-flowed to capital-markets partners, including diligence packages, eligibility criteria, concentration limits, representations, warranties, and repurchase triggers.
• Co-own credit policy, portfolio monitoring, automated decisioning governance, and underwriting team coaching and calibration.

Requirements

• 6–12+ years of commercial credit experience in equipment leasing, specialty finance, bank ABL, middle-market lending, vendor finance, or captive finance.
• Personal experience underwriting and signing $1M+ single-obligor commercial credit and comfort operating at the $2.5M level.
• Genuine leasing expertise covering lease structures, residuals, lessor economics, and documentation.
• Experience with syndication, participations, paper sales, or forward-flow transactions and delegated credit authority.
• Strong judgment on imperfect files, including private companies, unaudited financials, limited bureau or trade data, and foreign accounting frameworks.
• Clear, decisive credit writing and daily use of AI to improve productivity and support higher-value decisions.

Nice to have

• Formal bank or leasing credit training, CFA, CPA, or equivalent credit grounding.
• Multi-jurisdiction and multi-currency underwriting experience, especially across the UK, EU, Canada, or Australia.
• Experience building credit processes in a scale-up, using SQL or BI, or governing automated decisioning and scorecards.
• Experience with SaaS, hardware, mixed-ticket financing, or captive finance.

Culture & Benefits

• Small team with high autonomy and a short distance between analysis and decision-making.
• Credit has a central role in business decisions, with direct and documented challenge to sales when required.
• Opportunity to shape credit policy, decisioning systems, capital-markets standards, and the underwriting organization.
• Remote full-time position supporting financing across multiple markets and currencies.

Hiring process

• During the first 90 days, review 50 recent large-ticket decisions and identify where alternative decisions would have been appropriate.
• Within six months, establish a standardized large-ticket memo and Credit Committee cadence while improving escalation time-to-decision.
• Within twelve months, bring policy and decisioning engines to parity and develop a credit team that independently handles standard transactions.