Responsibilities Strategy & Policy Development Lead Credit Strategy development: oversee design and execution of strategies across the full credit lifecycle.Innovate Risk Approaches: work with internal and external providers of data and scores to develop innovative credit risk approaches.Scale Decisioning Systems: manage logic and rules within automated systems for real-time decisions.Drive Growth: identify opportunities to grow and optimize existing products, support new card launches, and provide a risk lens for new lending product development.Team Leadership & Development Build High-Performing Teams: direct, evaluate, and coach collections strategy analysts and technical experts.Foster Capabilities: develop team analytical skills to monitor portfolio performance and identify emerging trends.Promote Culture: champion continuous improvement and act as a change catalyst for new ideas within the organization.Portfolio Management & Analytics Advanced Modeling: lead projects to build, validate and implement custom credit risk scorecards with Data Analytics.Reporting Excellence: provide timely reporting and analytics of your area of responsibility.Forecasting Support: assist in developing portfolio growth, credit loss and provisioning forecasting models, including stress testing and scenario analysis.Cross-Functional Collaboration Internal Alignment: work closely with Product, Tech, Growth and Finance teams to align risk policies with growth objectives.External Relations: manage relationships with credit risk counterparts at third-party funders to cultivate trust and operational success.Risk Management & Controls Ensure Compliance:



establish strong controls to maintain alignment with regulatory requirements.Test & Learn: organize and oversee detailed test plans to evaluate impact of new strategies on the cost of credit.Qualifications Experience: minimum of 7 years of senior leadership experience in consumer credit risk, preferably within a fast-growing tech environment.Technical Expertise: in-depth knowledge of collections strategies, statistical modeling, and machine learning techniques.Strategic Mindset: entrepreneurial leader comfortable making data-driven decisions in the face of ambiguity.Commercial Orientation: strong understanding of P&L for consumer lending products and balancing growth with risk tolerance.Communication Skills: ability to translate complex data into concise summaries for stakeholders from technical teams to board members.Leadership DNA: proven experience building, mentoring and managing high-performing internal teams and external partner networks.Total Rewards Salary: competitive base salary aligned with market ranges, with flexibility to tailor mix of cash and equity.Equity Ownership: share directly in the upside of the company, with equity vesting during long-term leave.Benefits: health and life insurance, versatile health benefits, personal spending accounts, 21 days paid time off plus statutory holidays and personal leave.Additional perks: wide variety of discounts through partner network, early use of company products and discounts on fixed-term loans, parental top-up.Compensation Range: CA$90K - CA$120KEqual Opportunity We believe in equal opportunity and are committed to creating an inclusive climate where everyone can thrive.#J-18808-Ljbffr

📌 Senior Manager, Credit Risk - C$90,000 - C$120,000 A Year (Toronto)
🏢 Neo Financial
📍 Toronto