BenefitsHealth & wellbeing resources and programsPaid vacation, personal, and sick days for work-life balanceCompetitive compensation and benefits packagesWork‑life balance in a hybrid environment with at least 3 days in officeCareer growth and development opportunitiesOpportunities to contribute to community causesWork with diverse team members in an inclusive and collaborative environmentFlexiti is looking for aManager of Credit Decisioning Systemswho will be responsible for the end-to-end administration, configuration, and performance of Flexiti’s “Buy Now, Pay Later” automated lending platforms (e.G., Provenir, FICO, TakTile, PowerCurve or Zest AI). The role supports the Credit Risk Strategy team (Adjudication) and focuses on ensuring data integrity and system performance.ResponsibilitiesStrategy Implementation Support: Assist in the design, coding, and testing of credit strategies for various lending products and the full credit lifecycle of customers.System Integration Support: Support the integration of credit systems with core banking platforms and collaborate with vendors to implement optimal solutions.Data Analysis & Monitoring: Utilize SQL, Python, BigQuery, and Data Bricks extensively to pull data, monitor strategy migrations, and conduct analytics to debug issues and validate updates within the risk systems.Real‑Time Reporting: Monitor and leverage real‑time reporting mechanisms to ensure correct strategy execution and identify potential issues promptly.Model & Strategy Maintenance: Assist in implementing, updating, and maintaining credit models and strategies, collaborating with Credit Risk Strategy teams to "productionize" Python/R‑based ML models within the decisioning workflow, ensuring proper mapping of variables.Testing & Quality Assurance:



Participate in the process for user testing changes in strategies and models, ensuring accuracy and functionality.Continuous Improvement: Identify and suggest enhancements and opportunities for process optimization and cost reduction within risk systems.System Orchestration: Manage the daily operations of the credit decisioning engine, ensuring 99.9% uptime for real‑time application processing.Data Pipeline Management: Design and maintain SQL‑based ETL processes to load internal and external data (Bureau, KYC, Alt‑Data) into the decisioning environment as required.Monitoring & Governance: Establish dashboards to monitor decisioning latency, and "approval/decline" distributions. Ensure all system changes comply with OSFI (Canada).Vendor Management: Serve as the primary technical point of contact for platform vendors, managing upgrades, API integrations, and troubleshooting.UAT & Champion/Challenger: Lead User Acceptance Testing (UAT) for all logic changes and manage "Champion/Challenger" A/B testing strategies to optimize portfolio performance.Key CompetenciesDomain Knowledge: Basic understanding of credit risk concepts, lending products, or fraud‑related systems is a plus.Decisioning Platforms: Advanced proficiency in at least one major platform (Provenir, FICO Blaze/Platform, TakTile, Experian PowerCurve, or Zest AI).Analytical Acumen: Robust ability to analyze data, identify patterns, and effectively debug system issues.Problem‑Solving:



Proactive and agile mindset with a keen ability to identify and contribute to the resolution of technical and process challenges.Team Collaboration: Excellent interpersonal skills and a team‑oriented approach, capable of working effectively with cross‑functional teams and internal/external partners.Attention to Detail: Meticulous in monitoring system performance and ensuring the accuracy of data and strategy implementations.Programming/ML: Proficiency in SQL, Python or R for rule creation, complex data extraction, model integration and data analysis. Familiarity with JSON/XML for API integration, DataBricks and BigQuery.Work Style: Organized, ability to work independently and can handle pressure of tight timelines or emergencies.RequirementsUniversity degree in a quantitative field, Economics, Business, Statistics, Mathematics, Engineering or equivalent (Master’s is an asset).3‑5 years of total experience in credit risk, fintech, or banking operations.3+ years of direct experience managing automated decisioning engines.2+ years in a leadership or senior‑level role overseeing technical projects or small teams.Experience managing an Adjudication decisioning platform is required.CompensationBase salary range: $105,000 - $130,000.The final compensation package will be commensurate with the successful candidate's experience, skills, and geographic location (Canada). It includes a comprehensive benefits plan and a competitive incentive (bonus) program for Full‑Time Permanent roles.Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment/selection process, please let us know and we will work with you to meet your needs.#J-18808-Ljbffr

📌 Manager, Credit Decisioning Systems - C$105,000 - C$130,000 A Year (Winnipeg)
🏢 Flexiti
📍 Winnipeg