Senior Manager, Credit Risk

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JobberFintech credit risk

This role is open to candidates anywhere in Canada.Full-TimeManager

SalaryMinimum annual salary of $124,530, a midpoint of $177,900, and a maximum salary of $204,585

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Job Details

Experience: 8+ years of experience in credit risk ... including 3+ years of people leadership
Required Skills: PythonSQLMachine Learning

Have 8+ years of credit risk experience in financial services, fintech, payments, or lending.
Have 3+ years of people leadership experience, ideally including hiring and developing team leads as well as analysts.
Demonstrate experience setting and owning credit policy, risk appetite, and limit frameworks, and making and defending high-stakes credit decisions.
Have managed a credit portfolio through stress or a full credit cycle and adjusted strategy as performance changed.
Show a track record of solving problems through automation and tooling and an interest in applying AI to credit risk.
Use a data-centric approach and be comfortable working directly with data.
Be proficient in SQL and Python or a similar language for independently pulling, analyzing, and interrogating data.
Have working familiarity with credit risk statistical and machine-learning methods, including logistic regression, decision trees, or gradient boosting, and model governance such as validation, drift monitoring, and explainability.
Have hands-on IFRS 9 or equivalent GAAP experience, such as CECL, including building or owning an expected credit loss model and its governance.
Communicate quantitative findings to product, operations, leadership, auditors, credit committees, and external funding partners.
Be able to work autonomously and manage time effectively.

Lead, coach, and grow Credit Risk Analysts and, as the function scales, team leads; own hiring plans, team structure, and career paths.
Own credit risk operations, including underwriting and exposure decisions, portfolio monitoring, collections and recovery strategy, and loss forecasting.
Define and maintain credit risk appetite, credit policy, and limits, and serve as the escalation point for high-exposure and exception decisions.
Partner with Data Science and Risk Analytics to build, validate, and improve credit risk models and decisioning logic.
Drive automation and AI-native approaches to credit risk, taking opportunities from idea through implementation.
Set the multi-year roadmap for the credit risk function across people, models, data, and tooling.
Build the credit risk framework for Jobber Payments and design the framework for a growing lending business.
Partner with Fintech, Product, Finance, Legal, Compliance, and Customer Support to embed risk policy and controls in product and operational workflows.
Own credit loss provisioning and stress testing, including expected credit loss methodology, forward-looking scenarios, and management overlays.
Report portfolio health and emerging trends to leadership and risk committees, and oversee relationships with credit data and decisioning vendors.

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