About Haventree Bank

Haventree Bank is a Schedule I Canadian bank dedicated to advancing financial security and upward mobility for Canadians underserved by traditional financial services. Through our broker-distributed alternative mortgage and GIC solutions, as well as our growing digital banking platform, we provide straightforward products that support long-term financial well-being and meaningful growth.

As a CDIC-insured, federally regulated bank, we offer the trust and stability of a traditional financial institution while embracing the innovation and customer-first mindset of a modern digital bank.

If you're looking for a place where your work has a direct impact, your ideas are valued, and innovation is encouraged, Haventree Bank is the place for you.

Position Summary:

Reporting to the Chief Risk Officer, the Director – Credit Decisioning & Risk Strategy is accountable for the design, oversight, and continuous evolution of the Bank’s credit decision frameworks, credit risk policies, and portfolio risk strategy across mortgage origination and account management activities. The role provides senior leadership of forward-looking credit risk management, ensuring alignment with risk appetite, regulatory expectations, and strategic growth objectives.

Major Duties & Responsibilities:

- Own and evolve credit decision strategies, frameworks, and methodologies across the mortgage lifecycle.
- Design, approve, and optimize automated and risk-based decisioning strategies, including rules, scorecards, and analytics.
- Maintain ownership of Residential Mortgage Underwriting Policy and ensure regulatory alignment.
- Chair and drive the Credit Risk Committee and related governance forums.
- Oversee portfolio monitoring, concentration analysis, dashboards, and KRIs.




- Provide senior oversight of Quality Assurance programs aligned to decision quality.
- Translate credit analytics and model outputs into actionable risk insights.
- Partner with Operations, Finance, Compliance, ERM, and Technology teams on credit initiatives.
- Mentor and provide strategic leadership to credit strategy and insights teams.
- Mortgage collections, delinquency management, or default resolution
- Recoveries, legal enforcement, or loss mitigation execution
- Day-to-day servicing or arrears operations

Qualifications & Experience: Degrees, Diplomas & Certifications:

- University degree in Finance, Economics, Business, Math, Statistics, or related discipline.

Years and Range of Experience Required to Perform the Job:

- 10+ years of experience in Consumer (secured & unsecured) Credit Risk Management.
- 7+ years of senior leadership and people management experience.
- Strong experience with automated decisioning, analytics, and regulatory governance.

While we thank everyone for their interest in Haventree Bank, please note that only candidates selected for an interview will be contacted. Haventree Bank is committed to providing accommodation when needed. If you require an accommodation, we will work with you to meet your needs.

1. As a job candidate, our recruitment process includes collecting personal information. Please click the link here to review our Privacy Policy. Privacy Statement | Haventree Bank
2. Stay in touch with us, if this position is not the right one for you – please click on this link for other roles at Careers | Haventree Bank or follow us on LinkedIn at www.linkedin.com/company/haventree-bank/
3. Haventree Bank embraces equal chance, diversity, and inclusion. Please let us know if you require any accommodations during the recruitment and selection process by contacting [email protected]

📌 Director Credit Decisioning & Risk Strategies (Toronto)
🏢 Haventree Bank
📍 Toronto