Develop a company framework for managing channel risk, individual merchant risk, commercial product (multi-stage financing) risk, and concentration (ex. sub-vertical, geography, macroeconomic, etc.) risk.
Build, deploy, maintain, continuously improve profit-optimising channel and merchant-level underwriting strategies, decisioning criteria, scores & controls.
Support the development and continuous improvement of profit-optimising indirect consumer credit policies, strategies and tests for the home improvement and vehicle industries by ensuring that commercial counterparty exposure and channel effects are taken into consideration.
Obtain internal alignment on, and deploy risk policies that are compliant with the organisation’s risk appetite and review, and/or escalate, approve / decline requests outside of established guidelines.
Monitor strategy performance in a timeline manner, develop and execute backtesting, and help guide reporting and trigger requirements – working collaboratively with cross-functional stakeholders as required - to ensure that policies, strategies, and scores are effective and high-performing.
Conduct regular financial and risk reviews of merchants and loan quality audits, and recommend changes to policies and procedures based on identified process gaps while ensuring corrective action is taken.
Contribute to the continuous improvement of team efficiency and effectiveness by identifying high quality / well-managed data sources and opportunities for the team to apply AI and automation to key processes, reports and documentation.
Go beyond the basics and dig deep into trends, anomalies and analytic findings to link them to actual real-world events, macroeconomic events, industry developments, and/or individual merchant / customer attitudes and behaviours to draw meaningful conclusions and insights that can improve ongoing business outcomes.
Work with cross-functional partners to understand and incorporate their ideas and objectives into risk strategies.
Contribute to strategic projects and initiatives related to risk management and company growth.
Bring energy, positivity, and a team-first attitude every day, while striving to make the team and yourself better.

Requirements

University degree in Engineering, Math, Computer Science, Applied Math / Sciences, Commerce, Finance, Accounting, or other quantitative discipline.
5-7 years of full-time and/or internship/PEY experience in B2B (small business / commercial) and/or B2B2C (indirect channel) strategy, analytics, data science, credit and/or fraud risk management, or finance role with a significant focus on BOTH qualitative (ex. expert judgment / manual underwriting) and quantitative (statistical scorecard development) approaches.
3+ years of applied experience conducting complex B2B (small business and/or commercial) risk assessments, financial statement analysis, indirect lending / consumer credit risk, or business analysis at a financial institution, a strong asset.
3+ years of applied experience in building both quantitative and qualitative strategic plans, policies, and business models.
3+ years of experience creating senior management-ready communications and presentations with Excel, PowerPoint & Word (or their Google equivalents).
Advanced skills in data manipulation and statistical modeling, with proficiency in Python, SQL, Excel, and/or BI tools (Looker, Tableau, PowerBI).
Strong strategic thinking, judgment, communication (verbal, visual, and written), with advanced problem-solving and analytical skills.
Legitimately curious and passionate about finding the “right answer,” with a detail-oriented mindset and a “healthy sense of paranoia” about quality.
Highly organized and driven, with the ability to manage competing priorities while meeting deadlines.
Balanced sense of pride and humility, thriving in a collaborative environment and bringing energy and enthusiasm to team culture. We like to have fun; seriously, we do.

Benefits

An award-winning culture with a collaborative & inclusive team.
Competitive pay and performance-based bonus.
Base salary: $110,000 - $125,000
Annual bonus: 20%
Committed to flexible work arrangements, offering hybrid workplace options.
Comprehensive medical, dental and vision coverage + Lifestyle Account.
RRSP Matching and Parental Leave Top UP Program.
In office massage & workout sessions.
Virtual events such as Lunch & Learns, company parties, fun team activities and charity initiatives.
Career learning and development programs.

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

data manipulationstatistical modelingrisk assessmentfinancial statement analysisstrategic planningpolicy developmentbusiness analysisunderwritingquantitative analysisqualitative analysis

Soft Skills

strategic thinkingcommunicationproblem-solvinganalytical skillsdetail-orientedorganizedcollaborativecuriosityenergyenthusiasm