Lead consumer credit strategy and risk at Clutch in Toronto, using underwriting and portfolio analytics in an on-site leadership role.
As Senior Manager, Credit & Risk, you will build Clutch’s consumer financing framework from the ground up. You will shape lending strategy, credit decisions, pricing, monitoring, and controls. The work spans Product, Engineering, Operations, Sales, and Customer Experience while the program scales.
Key Responsibilities: Design underwriting policies balancing growth, approvals, and portfolio performance
Own credit decisioning logic, exceptions, and manual reviews
Develop risk-based pricing and monitor margin performance
Build analytics for delinquencies, losses, recoveries, and cohorts
Define risk appetite, governance,



controls, and compliance support
Requirements: Six to ten-plus years in consumer lending credit risk
Experience with underwriting, portfolio management, or analytics
Strong quantitative skills and large-dataset experience
Ability to translate analytics into policy changes
Toronto-based with required in office presence
Build Clutch’s consumer financing platform through credit strategy, risk-based pricing, analytics, governance, and disciplined portfolio management.

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📌 Senior Manager Consumer Credit Risk (Ontario)
🏢 Clutch
📍 Ontario