KOHO

Data Engineer

• Assisting in the development and maintenance of batch data pipelines using AWS Glue, Lambda, and Python
• Writing and optimizing SQL queries for data transformation in Amazon Redshift
• Supporting data quality checks and monitoring data pipeline health
• Collaborating with Data Analysts and Data Scientists to understand data requirements
• Documenting data pipelines, workflows, and technical processes
• Learning and implementing best practices for code quality and data engineering standards
• Participating in code reviews and team knowledge-sharing sessions
• Troubleshooting data issues and assisting with incident resolution under guidance

Junior Data Engineer

Director

• Architect and execute KOHO’s credit risk strategy across all lending products.
• Build and scale teams, managing multiple levels of talent responsible for credit risk modeling, strategy, reporting, and governance.
• Design and implement credit policies, underwriting guidelines, and credit lifecycle strategies (origination, limit management, collections, and recovery).
• Define and monitor key credit risk metrics, portfolio trends, and early warning indicators.
• Drive data-driven decision-making in product development, pricing, and growth initiatives.
• Lead credit risk governance and deliver strategic insights to internal and external stakeholders including the Board, risk committees, and investors.
• Partner with Finance on portfolio forecasting and debt facility management.
• Lead regulatory examinations and maintain relationships with regulators on credit risk matters
• Ensure audit readiness and regulatory compliance, including IFRS9 reporting and credit loss provisioning.
• Present to and advise the Board Risk Committee on credit portfolio performance, emerging risks, and strategic initiatives
• Own budget accountability for the credit risk function.
• Establish strategic partnerships with credit bureaus, data providers, and risk technology vendors.
• Foster a culture of ownership, continuous improvement, and cross-functional collaboration.
• Mentor and develop future credit risk leaders across the organization.

Vice President, Credit Risk

Data Scientist

• Lead our end-to-end data technology organization.
• Own the systems, pipelines, and models that power our product and platform.
• Manage a diverse team of Managers, Staff Developers, Senior Developers, and Data Scientists.
• Direct the activities of multiple integrated technical departments.
• Contribute to the development of the broader Technology department strategy.
• Drive the long-term technical strategy for Data Engineering, GenAI, and MLOps.
• Lead the adoption of Generative AI and advanced ML techniques.
• Ensure operational excellence and system architecture evolves to support future requirements.

Director of Data Science

Product Designer

• Work with Product Managers to develop and refine product strategy
• Prepare wireframes, user flows, process flows, customer journeys and other artifacts
• Work within an iterative design process
• Collaborating with and providing design direction to engineers
• Collaborate with cross-functional teams to influence all aspects of the product
• Act as a design mentor to other designers and cross-functional partners
• Leverage AI tools to streamline the design process and uncover user insights

Senior Product Designer – Lending

Product Manager

• Own the company-level strategy for member engagement
• Lead, mentor, and grow a high-performing team of Product Managers
• Be the single point of accountability for product vertical's performance
• Execute through your team, guiding them to manage the end-to-end product lifecycle
• Serve as a key member of the product leadership team, collaborating with cross-functional teams

Director – Group Product Manager

Full-stack Engineer

• Dive into ambiguous and difficult technical problems
• Contain and stabilize critical issues
• Hand off stabilized systems and initial solutions to owning teams
• Act as a force multiplier by unblocking teams

Staff Software Developer – Credit

Chief of Staff

• You will own, develop and enhance KOHO’s financial models in various platforms (excel, google, FP&A system) including KOHO Bank’s ICAAP process and models and the related strategic analysis related to these.
• You will support KOHO’s annual budgeting and quarterly forecasting processes, working with teams across the company to shape the roadmap to ensure KOHO is meeting its financial goals
• You will assist the Finance team in implementing and developing processes to drive monthly and quarterly management reporting, ensuring that the executive team is well informed on all things related to financial performance and cash position of the company
• You will support the Head of Banking in all analytics and materials preparation related to KOHO’s banking license application and ICAAP
• You will support the Director of Strategic Finance, CFO, and CEO in all aspects of equity and debt capital raising, corporate valuation, and investor relations
• You will lead and execute additional direct projects critical to the successful launch of KOHO Bank, working cross-functionally to ensure timely and effective implementation.
• You will support special projects, including investment analysis, business partnership evaluations, key contracts, and long-term financial planning

Compliance

• Building up and establishing a compliance program for the KOHO technology team.
• Working with the technology team to build KRI’s that align with the relevant compliance obligations.
• Translate complex technical and regulatory information into clear, concise, and user-friendly documentation.
• Prepare and coordinate the review and approval of evidence packages and submission-ready documents for external audits and regulatory examinations.
• Work collaboratively with engineering, product, and operations teams to embed compliance requirements into the software development lifecycle (SDLC).
• Advising leadership on risk management strategies.
• Supporting tech compliance requirements as it relates to payments and technology infrastructure.

Senior GRC Analyst – Platform Technology, Payments

Data Analyst

• Own large data domain(s) and integrate data requirements into project planning
• Design and optimize data models with a strong focus on performance
• Develop dashboards that provide answers to critical business questions
• Identify trends and opportunities through deep data analysis
• Partner with stakeholders to refine requirements and offer data-driven recommendations
• Own project planning and participate in cross-functional domain ownership
• Mentor team members and contribute to establishing best practices

Senior Data Analyst

Financial Planning and Analysis

• We’re on a mission to make financial services better for every Canadian.
• KOHO prioritizes work-life integration, asynchronous collaboration, flexible hours, and remote-first setup.
• Oversee accounting and financial reporting; report to CFO; set up accounting function for scale and banking license integration.
• Manage monthly, quarterly, annual closings; audits; regulatory filings; AP/AR/payroll.
• Maintain compliance with regulatory requirements; coordinate with OSFI, CRA, BOC.
• Research accounting standards; build scalable accounting processes.
• Establish accounting framework and policies for banking license; implement controls for banking regulatory requirements.
• Manage and develop accounting team; drive process improvements; foster culture of accuracy and compliance.