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.