Senior Manager, Financial Risk Strategy & Analytics
New
K
KOHOFinTech
KOHO (CAN)Full-TimeManager
Salary180,000 - 240,000 CAD per year
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Job Details
- Experience
- 6-8 years
- Required Skills
- PythonSQL
Requirements
- 6-8 years of experience in financial risk management
- Deep hands-on experience in retail credit risk analytics, loss forecasting, and treasury risk
- Proven experience leading analytical workstreams and managing or mentoring individual contributors
- Bachelor’s or Master’s degree in a quantitative field (e.g., Mathematics, Statistics, Economics, Finance, Engineering) or equivalent practical experience
- Strong proficiency in SQL
- Strong proficiency in Python or SAS for data manipulation and modeling
- Deep understanding of IFRS 9 standards, ECL methodologies, and stress testing frameworks
- Exceptional ability to independently build complex models
- Ability to perform root cause analysis and ensure high standards of quality
- Familiarity with market and liquidity risk concepts
- Familiarity with ALM (Asset Liability Management)
- Familiarity with stress testing frameworks
- Strong ability to tell a story with data, clearly explaining technical risk concepts and their business implications to non-technical stakeholders and senior executive leadership
- Comfortable working in a fast-paced environment where you often need to build tools, processes, and frameworks from scratch
Responsibilities
- Manage and mentor a team of individual contributors across Financial Risk domains
- Foster a culture of rigorous analysis, ownership, and continuous improvement
- Lead the development, execution, and enhancement of short- and long-term delinquency and loss forecasting models
- Oversee Expected Credit Loss (ECL) calculations and the monthly provisioning process in strict accordance with IFRS 9 standards
- Execute and review stress tests for financial risks to ensure KOHO maintains adequate liquidity and capital buffers
- Design, execute, and refine comprehensive stress testing scenarios to assess portfolio resilience under adverse macroeconomic conditions
- Oversee monitoring and reporting frameworks for non-credit financial risks, including interest rate, market, and liquidity risk
- Perform a second line of defense role in understanding and challenging data, models, and assumptions used in risk assessments
- Oversee portfolio health monitoring, identifying emerging trends and risks through rigorous analysis of internal performance data and external indicators
- Identify opportunities for automated anomaly detection
- Partner with Product and Marketing to assess the credit risk impact of new initiatives, quantifying potential effects on delinquency, losses, and provisions before launch
- Performs second line oversight of models used in decisions impacting financial risk
- Produce and present high-quality reporting for senior leadership, translating complex analytical results into clear, strategic recommendations
- Collaborate with Data Analytics and Data Science to enhance data pipelines and infrastructure, identifying new data sources, and ensuring the integrity and availability of risk data
- Act as a steward for critical risk data
- Work closely with Finance on capital planning and economic forecasting
- Work closely with Product to optimize credit strategies based on risk-adjusted returns
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