Lead consumer credit strategy and risk at Clutch in Toronto, using underwriting and portfolio analytics in an in office 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 performanceOwn credit decisioning logic, exceptions, and manual reviewsDevelop risk-based pricing and monitor margin performanceBuild analytics for delinquencies, losses, recoveries, and cohortsDefine risk appetite, governance, controls, and compliance supportRequirements:
Six to ten-plus years in consumer lending credit riskExperience with underwriting, portfolio management, or analyticsStrong quantitative skills and large-dataset experienceAbility to translate analytics into policy changesToronto-based with required in office presenceBuild 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 Winnipeg
🏢 Clutch
📍 Winnipeg