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.

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