Senior Manager, Credit Risk (Remote - Canada)

Employees in the company's hub cities (Edmonton, Toronto, Vancouver, Kitchener-Waterloo) join their department's in-office schedule; candidates elsewhere in Canada work remotely. Canadian residents only. A fast-growing small-business software company is building out its fintech arm, which offers payments today and plans a lending business. The Credit Risk function sets the frameworks, models and operating discipline that let the company extend payments and lending products responsibly. This senior leadership role is for someone who will lead the team and also build the function into a more automated, AI-supported credit risk practice.

What you'll do

• Lead and grow a team of credit risk analysts, including hiring, structure, career paths and team leads as the function scales.
• Own day-to-day credit operations: underwriting and exposure decisions, portfolio monitoring, collections strategy and loss forecasting.
• Define and maintain the credit risk appetite, credit policy and limit framework, and serve as the final escalation point for high-exposure exceptions.
• Work with Data Science and Risk Analytics to build, validate and monitor scorecards, statistical models and decisioning logic, and own IFRS 9 or equivalent expected credit loss methodology and stress testing.
• Drive automation and AI-based approaches to credit risk problems, and set a multi-year roadmap covering people, models, data and tooling.
• Work with Compliance and Legal on Canadian and US lending requirements, and manage relationships with credit data and decisioning vendors.

What you need

• 8+ years of credit risk experience in financial services, fintech, payments or lending, including 3+ years of people leadership.
• Track record setting credit policy and risk limits, and managing a portfolio through a period of stress or a full credit cycle.
• Proficiency in SQL and Python (or similar), with working knowledge of logistic regression, decision trees and gradient boosting, and of model governance (validation, drift monitoring, explainability).
• Hands-on experience with IFRS 9 or equivalent GAAP standards such as CECL, including building or owning an expected credit loss model.
• Strong written and verbal communication skills, with the ability to present to executives, credit committees and auditors.
• Ability to work autonomously and proactively in a distributed team.

Applicants must be based in: Canada.

How to apply

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