Shape Clutch’s consumer lending strategy in Toronto through risk-based pricing, credit decisioning, and portfolio performance management.

This Senior Manager, Credit & Risk role leads the framework behind Clutch’s consumer financing program. You will assess risk, make credit decisions, price appropriately, and manage performance over time. Cross-functional work with Product, Engineering, Operations, Sales, and Customer Experience supports responsible lending.

Key Responsibilities:

- Refine risk-based pricing around losses, funding, and economics
- Monitor approval mix and recommend terms or eligibility changes
- Diagnose performance by channel, vehicle, customer, and process
- Lead delinquency and loss initiatives with servicing partners




- Run experiments improving conversion and credit outcomes

Requirements:

- Six to ten-plus years within consumer lending credit functions
- Understanding of policy development and risk-based decisioning
- Experience managing performance through delinquency and loss cycles
- Ability to build monitoring using quantitative analysis and AI
- High ownership and comfort operating amid ambiguity

Bring consumer lending expertise to Clutch, connecting pricing, experiments, analytics, and risk decisions with portfolio objectives.

📌 Consumer Lending Risk Strategy Manager (Toronto)
🏢 Clutch
📍 Toronto