Our client Elective is a Vancouver-based fintech on a mission to make knowledge more accessible - building the infrastructure that lets educators and course creators offer financing to their students while Elective carries the risk. It is a company that has earned its growth: profitable, Series A backed, and operating in a market it largely created. The team is small, the pace is real, and the people who thrive here are the ones who want to own something rather than contribute to someone else's version of it. If that sounds like the kind of place you have been looking for, keep reading.This is a credit risk role with genuine scope. The function is running, the loan book is growing, and 2026 is about scaling both carefully. You will not be processing files in a queue or waiting to be told what to look at. From early on you are expected to run merchant underwriting end to end, monitor the loan book for signals that the model is not catching, and bring your own analysis and recommendations to the table. The expectation is that over time you start shaping how the function improves - not just how it runs day to day.What you will be doingRunning merchant underwriting and onboarding end to end, applying judgment to cases that fall outside standard criteriaMonitoring the loan book for emerging risk concentrations and shifts in credit quality,



and surfacing findings proactivelyPreparing analysis and recommendations on non-standard merchant cases requiring senior sign-offOwning merchant pricing proposals that balance competitiveness with risk-adjusted returnsProviding analytical support and recommendations on our evolving consumer underwriting model by evaluating the use of current data points in assessing credit and ability to payContributing to workflow improvements and automation as the loan book scalesProviding analytical support on high-priority strategic and operational questions as they ariseWhat you bringThree or more years in a role where your judgment was genuinely tested - fintech, BNPL, payments, financial services advisory, or adjacent experience all consideredComfort with ambiguity and self-directed work - you do not need a structured programme or close management to perform wellA real working relationship with AI tools - you reach for what is available when you face something new, and you can speak specifically about how you do thatAn instinct to improve things rather than just maintain them - if you have ever built something on your own time because you were curious about it, that orientation fits hereThe Details Compensation $70,000 - $100,000 base, based on experienceBenefits Extended health, vision, and dental, plus a wellness spending

📌 Senior Credit Risk Analyst - C$70,000 - C$100,000 A Year (Vancouver)
🏢 Elective
📍 Vancouver