Manager, Credit Risk

1 нед. назад

CanadaWorldwideLeadHybrid

Manager role focused on building AI-native credit risk management within a fintech context.

О компании

Job by job, we’re transforming the way service is delivered. Your lawn care provider, home cleaning service, plumber or painter could use to better connect with their customers, save time in the office, invoice faster, and get paid! We’re bringing tens of thousands of people together with technology to deliver billions of dollars a year in services to happy customers. exists to help make these small businesses successful, and when they’re successful we all win!

Обязанности

The Manager, Credit Risk will lead and grow a team of Credit Risk Analysts, owning the day-to-day operations of the credit risk function while helping build it into something more ambitious: an AI-native credit risk practice, built for Payments today and ready to scale into a growing lending business. This is a role for a builder, not a doer—someone who looks at a manual process or an ad hoc decision and asks how it should be automated, modeled, or systematized, rather than simply executed by hand.
You'll work closely with Data Science and Risk Analytics to design and strengthen credit risk models, policies, and monitoring, and you'll partner cross-functionally across Fintech, Product, and Customer Support to make sure credit risk decisions are embedded seamlessly into the products our customers use every day.

Условия

At , we believe that compensation should be transparent, fair, and reflective of your experience and growth. This role has a minimum annual salary of $121,000, a midpoint of $142,200, and a maximum salary of $163,600, designed to show the progression from learning the ropes to truly excelling.
We design our compensation to reflect each new hire’s skills, experience against the complexity of the role, ensuring a fair and competitive salary. Our range is intentionally broad to support growth and long-term impact, with fully established hires typically starting around the midpoint. The higher end of the range is reserved for those who have demonstrated deep expertise and lasting contributions, while offers below the midpoint reflect strong potential with room to develop. This approach ensures that compensation aligns with both an individual’s current capabilities and their opportunity for future growth.
Base salary is just one part of a total compensation package that will include equity rewards, annual stipends for health and wellness, retirement savings matching, and an extended health package with fully paid premiums for body and mind. Your professional growth matters to us too! You’ll have access to a dedicated talent development program that includes career coaching and opportunities for career development.
We believe in transparency and open conversations about compensation. If you have any questions about our approach, we’re happy to discuss them throughout the hiring process!

Другое

Do you think differently about risk? Are you excited by the idea of building credit risk management from the ground up, AI-native, rather than bolting AI onto an old playbook?
Then might be the place for you. We're looking for a Manager, Credit Risk to join our Fintech department.
exists to help people in small businesses be successful. We work with small home service businesses, like your local plumbers, painters, and landscapers, to transform the way service is delivered through technology. With they can quote, schedule, invoice, and collect payments from their customers while providing an easy and professional customer experience. Running a small business today isn’t like it used to be—the way we consume and deliver service is changing rapidly, technology is evolving, and customers expect more. That’s why we put the power and flexibility in their hands to run their businesses how, where, and when they want!
Our culture of transparency, inclusivity, collaboration, and innovation has been recognized by Great Place to Work, Canada’s Most Admired Corporate Cultures, and more. has also been named on the Globe and Mail’s Canada’s Top Growing Companies list, and Deloitte Canada’s Technology Fast 50™, Enterprise Fast 15, and Technology Fast 500™ lists. With an Executive team that has over thirty years of industry experience of leading the way, we’ve come a long way from our first customer in 2011—but we’ve just scratched the surface of what we want to accomplish for our customers .
Fintech is one of the fastest-growing parts of , and a core strategic priority for us as a company. We're investing in this area because we believe embedding financial tools within our product deepens our ability to help small businesses be successful—whether that's helping them get paid through Payments, or, in the near future, offering them access to capital through a growing lending business.
Our Risk team is a critical part of the broader Fintech team, and core to 's success. Credit Risk is responsible for the frameworks, models, and operational discipline that let us extend payments and lending products responsibly, protecting both our customers and from undue credit exposure.
Lead, coach, and grow a team of Credit Risk Analysts, setting the standard for how the team investigates, decisions, and communicates credit risk.
Own credit risk operations end-to-end: underwriting and exposure decisions, portfolio monitoring, loss forecasting, and reporting on credit risk performance and trends.
Partner closely with Data Science and Risk Analytics to build, validate, and improve credit risk models and decisioning logic, including scorecards, statistical models, and machine learning approaches where they add value.
Champion an AI-native approach to credit risk management—using AI and automation to build novel solutions to novel problems, not just to speed up existing workflows.
Build and strengthen the credit risk function for 's payments business today, and lay the groundwork for credit risk management of a growing lending business.
Work cross-functionally with Fintech, Product, and Customer Support teams to embed credit risk policy and controls into product and operational workflows.
Develop a credit risk provisioning process and reserving practices building from IFRS9 or equivalent GAAP standards, partnering with Finance and Accounting as needed.
Identify opportunities to automate manual credit risk processes and drive them from idea through to implementation.
Report on credit risk exposure, portfolio health, and emerging trends to Fintech and Risk leadership.
Support broader Fintech and Risk initiatives on credit-risk-relevant topics, including vendor evaluations and new product launches.
Demonstrated experience in credit risk, in financial services, fintech, payments, or lending, including people leadership or mentorship of an analyst team.
A builder's mindset: a track record of solving problems through automation and tooling, not just process, and genuine enthusiasm for using AI to build new approaches to credit risk rather than only applying existing ones.
A deeply data-centric approach to decision-making, with comfort working directly in the data rather than relying solely on others to produce it for you.
Proficiency in SQL and Python (or a similar language), enough to independently pull, analyze, and interrogate data and to collaborate credibly with Data Science and Analytics.
Working familiarity with statistical and machine learning approaches used in credit risk management (e.g., logistic regression, decision trees, gradient boosting)—you don't need to be a data scientist, but you should understand what these approaches do, how they work at a conceptual level, and when it's appropriate to apply them.
Familiarity with IFRS9 or equivalent GAAP standards (e.g., CECL) for credit loss provisioning, or a strong ability to learn and apply this quickly.
Strong written and verbal communication skills, with the ability to translate technical or quantitative findings into decisions that product, operations, and leadership stakeholders can act on.
A genuine passion for fintech, and curiosity about how payments and lending products should manage risk differently than legacy financial institutions.
The ability to embrace ambiguity and change—we don't know what we don't know, so you should be comfortable coming in and improving the process rather than waiting for one to be handed to you.
The ability to work autonomously with strong time management skills. We are a mix of fully remote and hybrid distributed across the country. While you'll be part of a team, you'll need to be a self-starter who can find direction and guidance proactively.
Familiarity with credit scorecards, including scorecard development, calibration, or monitoring.
Experience building or overseeing credit risk models or policies for a lending product (installment loans, lines of credit, merchant cash advances, or similar).
Experience with modern payments or lending infrastructure (e.g., Stripe, Adyen, Plaid, or similar).
Experience working with or evaluating AI/ML tooling or vendors for risk decisioning.
Familiarity with Slack, Salesforce, Asana, Confluence, or other collaboration tools.
We believe great collaboration is intentional, and sometimes that means coming together in person to build, brainstorm, and connect. To support this, the role is open to candidates based in one of our hub cities: Edmonton, Toronto, Vancouver, or Kitchener-Waterloo .
A total compensation package that includes an extended health benefits package with fully paid premiums for both body and mind, matching in RRSP, TFSA or FHSA, and stock options.
A dedicated Talent Development team and access to coaching, learning, and leadership programs to help you grow your career, reach your goals, and unlock your full potential.
A unique opportunity to build, grow, and leave your impact on a $400-billion industry that has no dominant player...yet.
To work with a group of people who are humble, supportive, and give a sh*t about our customers.
We believe that diverse teams perform better and that fostering an inclusive work environment is a key part of growing a successful team. We welcome people of diverse backgrounds, experiences, and perspectives. We are an equal opportunity employer, and we are committed to working with applicants requesting accommodation at any stage of the hiring process.