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 economicsMonitor approval mix and recommend terms or eligibility changesDiagnose performance by channel, vehicle, customer,



and processLead delinquency and loss initiatives with servicing partnersRun experiments improving conversion and credit outcomesRequirements:
Six to ten-plus years within consumer lending credit functionsUnderstanding of policy development and risk-based decisioningExperience managing performance through delinquency and loss cyclesAbility to build monitoring using quantitative analysis and AIHigh ownership and comfort operating amid ambiguityBring consumer lending expertise to Clutch, connecting pricing, experiments, analytics, and risk decisions with portfolio objectives.
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📌 Consumer Lending Risk Strategy Manager (Winnipeg)
🏢 Clutch
📍 Winnipeg