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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates extensive experience in credit risk management, including underwriting, portfolio monitoring, and loss forecasting, while leading and developing teams. Proficient in SQL and Python, with a strong focus on automation and data-driven decision-making in compliance with Canadian and US regulations.
Highest-signal resume keywords
Credit Risk ManagementPeople LeadershipCredit Policy DevelopmentSQL ProficiencyAI-Native Automation
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Risk AnalysisUnderwritingPortfolio MonitoringLoss ForecastingExpected Credit Loss ModelingStatistical ApproachesMachine Learning ApproachesIFRS 9Credit ScorecardsLending-Product Risk Models
Soft Skills
Strong Communication SkillsProblem SolvingTime ManagementAdaptabilityCuriosity
Tools & Technologies
SQLPythonSlackSalesforceAsanaConfluence
Industry Keywords
Credit RiskFinancial ServicesFintechPaymentsLendingComplianceCanadian RegulationsUS RegulationsData ScienceRisk Analytics
Tech Stack
Tools & technologiesPythonSQL
About the role
Key responsibilities & impact- Lead, coach, and grow a team of Credit Risk Analysts and future team leads
- Own hiring plans, team structure, career paths, and team standards
- Own credit risk operations end-to-end, including underwriting, exposure decisions, portfolio monitoring, collections and recovery strategy, and loss forecasting
- Define and maintain credit risk appetite, credit policy, and limit framework
- Serve as final escalation point for high-exposure and exception decisions
- Partner with Data Science and Risk Analytics to build, validate, and improve credit risk models and decisioning logic
- Champion AI-native credit risk management and drive automation from idea through implementation
- Set the multi-year roadmap for people, models, data, and tooling
- Build the credit risk function for payments and design the framework for a growing lending business
- Partner with Fintech, Product, Finance, Legal, Compliance, and Customer Support to embed policies and controls into workflows
- Ensure credit policy and decisioning meet applicable Canadian and US requirements
- Own credit loss provisioning and stress testing, including expected credit loss methodology and forward-looking scenarios
- Report credit risk exposure, portfolio health, and emerging trends to leadership, executives, and risk committees
- Support funding the lending book through loss and performance forecasts, eligibility criteria, data tapes, and lender due diligence
- Lead broader Fintech and Risk initiatives, including new product launches
- Own relationships with credit data and decisioning vendors from evaluation and contracting through performance oversight
Requirements
What you’ll need- 8+ years of experience in credit risk, financial services, fintech, payments, or lending
- 3+ years of people leadership, ideally including hiring and developing team leads and analysts
- Track record of setting and owning credit policy, risk appetite, and limit frameworks
- Experience making and defending high-stakes credit decisions with incomplete information
- Experience managing a credit portfolio through stress or a full credit cycle
- Track record of solving problems through automation and tooling
- Data-centric approach and comfort working directly with data
- Proficiency in SQL and Python or a similar language
- Working familiarity with statistical and machine learning approaches used in credit risk
- Hands-on experience with IFRS 9 or equivalent GAAP standards such as CECL
- Experience building or owning an expected credit loss model and its governance
- Strong written and verbal communication skills
- Ability to present to executive leadership, credit committees, auditors, and external funding partners
- Passion for fintech and curiosity about payments and lending risk
- Ability to embrace ambiguity and change
- Ability to work autonomously with strong time management skills
- Working knowledge of small business lending regulation in Canada or the US is advantageous
- Familiarity with credit scorecards is advantageous
- Experience with lending-product credit risk models or policies is advantageous
- Experience with modern payments or lending infrastructure is advantageous
- Experience evaluating AI/ML tooling or vendors for risk decisioning is advantageous
- Familiarity with Slack, Salesforce, Asana, Confluence, or similar collaboration tools is advantageous
- Legally entitled to work in Canada
- Successful completion of a background check, including identity verification
Benefits
Comp & perks- Equity rewards and stock options
- Annual health and wellness stipends
- Retirement savings matching in RRSP, TFSA or FHSA
- Extended health package with fully paid premiums for body and mind
- Talent Development program with career coaching
- Career development, coaching, learning, and leadership programs
- Fully covered pre-approved travel expenses for one in-person interview
- Inclusive work environment and accommodation support during the hiring process