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? We're looking for a Manager, Credit Risk to join our Fintech department.

Jobber 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 Jobber 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. Our culture of transparency, inclusivity, collaboration, and innovation has been recognized by Great Place to Work, Canada’s Most Admired Corporate Cultures, and more. 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 Jobber, 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 Jobber 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 Jobber'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 Jobber from undue credit exposure. 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 Jobber Payments today and ready to scale into a growing lending business. 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.

The Manager, Credit Risk will: 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 Jobber'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.

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for credit loss provisioning, or a robust 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.

We are a mix of fully remote and hybrid distributed across the country. 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 working with or evaluating AI/ML tooling or vendors for risk decisioning. Familiarity with Slack, Salesforce, Asana, Confluence, or other collaboration tools. To support this, the role is open to candidates based in one of our hub cities: 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. 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. You’ll have access to a dedicated talent development program that includes career coaching and opportunities for career development.

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. 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 are an equal opportunity employer, and we are committed to working with applicants requesting accommodation at any stage of the hiring process. Job by job, we’re transforming the way service is delivered. Your lawn care provider, home cleaning service, plumber or painter could use Jobber 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. Jobber exists to help make these small businesses successful, and when they’re successful we all win! #

📌 Risk Manager (H/F) en Stage (Toronto)
🏢 Jobber
📍 Toronto