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Credit Risk & Underwriting Manager Location: Vancouver, BC

In Office Role

About VoPay International Inc. VoPay’s Fintech-as-a-Service platform enables any business to embed financial services and payment capabilities into their existing applications, products, or services through a single, scalable API. Our integrated technology gives product managers and developers the flexibility and speed to build innovative financial solutions in a rapidly evolving industry.

About the Role VoPay is seeking a senior leader to build and lead our credit risk and underwriting function across our embedded finance and payment operations. This role will be responsible for designing and implementing a scalable risk framework that enables VoPay to confidently onboard, assess, and manage customers and partners where financial exposure exists. The ideal candidate will combine banking-grade underwriting discipline with the agility required in a high-growth fintech workplace.

Key Responsibilities Build the Credit Risk & Underwriting Framework

Design and implement VoPay’s end-to-end credit risk strategy

Establish underwriting policies for enterprise clients, ISV partners, and transaction-based exposure scenarios

Define risk tiers, exposure limits, and approval workflows

Customer & Partner Risk Assessment

Lead underwriting for new and existing customers with exposure risk

Develop models to assess financial strength, liquidity, cash flow, business model risk, and transaction behavior

Introduce structured onboarding risk scoring aligned with financial institution standards

Exposure & Transaction Risk Management

Define frameworks for funds-at-risk exposure, settlement risk,



and prefunding vs. post-funding models

Partner with Payments and Operations teams to reduce risk leakage

Implement monitoring for ongoing exposure and threshold management

Policy, Governance & Compliance Alignment

Align credit risk practices with regulatory expectations, banking partner requirements, and internal compliance standards

Collaborate with Compliance on KYB, AML, and risk reviews

Tools, Models & Infrastructure

Develop and implement credit scoring models, risk dashboards, and reporting tools

Build automated underwriting workflows

Work with Product and Engineering to embed risk into the platform

Team Leadership & Development

Hire and scale a credit risk and underwriting team

Establish review committees and approval structures

Foster a disciplined, commercially aligned risk culture

Strategic Risk Advisory

Advise leadership on risk appetite, new product launches, and market expansion

Balance growth objectives with prudent risk management

The ideal candidate will have:

7+ years of experience in credit risk, underwriting, or financial risk management

Proven track record building or scaling risk functions in fintech, payments, or banking

Strong balance of risk discipline and commercial judgment

Hands‑on operator comfortable in fast-paced, ambiguous environments

Experience working with banking partners and regulatory frameworks

Data‑driven with experience using models and analytics to inform decisions

Vopay International Inc. is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

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Apply on Kit Job: kitjob.ca/job/2g9ero

📌 Credit Risk & Underwriting Manager (Vancouver)
🏢 VoPay International
📍 Vancouver