Manager/Senior Manager, Credit Strategy
New
CanadaFull-TimeManager
Salary110,000 - 170,000 CAD per year
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Job Details
- Experience
- 3–5+ years
- Required Skills
- PythonSQLData AnalysisR
Requirements
- 3–5+ years of experience in consumer credit strategy, credit risk, or quantitative analytics roles within fintech, banking, or lending organizations.
- Proven experience designing or optimizing credit policies, underwriting rules, or customer segmentation for consumer credit products.
- Strong quantitative and analytical skills, including experience with financial modelling, cohort analysis, and statistical interpretation.
- Proficiency in SQL.
- Ability to translate complex data analysis into clear, decision-ready recommendations for senior stakeholders.
- Experience working cross-functionally with Product, Engineering, Finance, and Risk teams.
- Strong understanding of consumer lending products such as credit cards, personal loans, lines of credit, or BNPL.
- Experience with credit risk monitoring, portfolio analytics, or forecasting.
- Familiarity with A/B testing or Champion/Challenger frameworks is an asset.
- Python or R experience is a strong asset.
- Knowledge of credit bureau data (Equifax, TransUnion) and regulatory environments is a plus.
- Strong communication skills with the ability to influence and drive alignment across teams.
- A proactive, ownership-driven mindset with comfort operating in ambiguous, fast-paced environments.
Responsibilities
- Own and evolve credit strategy across consumer lending products, including approval criteria, credit limits, pricing, segmentation, and policy rules.
- Analyze portfolio performance (delinquencies, losses, utilization, revenue trends) to generate actionable insights and strategic recommendations.
- Develop and test segmentation strategies to expand responsible lending while maintaining strong risk controls and portfolio quality.
- Build and maintain financial models to assess risk-return trade-offs, including P&L impacts, scenario analysis, and stress testing.
- Identify emerging risk patterns, macroeconomic signals, and borrower behavior shifts, and recommend mitigation strategies.
- Define and enhance credit frameworks for new products and lending initiatives.
- Collaborate cross-functionally with Product, Engineering, Data, Finance, and Risk teams to implement credit policy changes and decisioning logic.
- Develop risk scorecards, early warning indicators, and monitoring tools to support portfolio health tracking.
- Support forecasting, planning, and reporting processes including credit P&L projections and leadership updates.
- Evaluate alternative data sources and improve credit decisioning methodologies where applicable.
- Contribute to credit risk reporting for senior leadership and governance forums.
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