Director of Credit Risk

Relay

Director of Credit Risk leading fintech's Credit & Spend Management team. Responsible for credit strategy, product development, and P&L accountability.

Posted 6/13/2026full-timeToronto • New York • 🇺🇸 United StatesLead💰 CA$187,000 - CA$231,000 per yearWebsite

About the role

Key responsibilities & impact

Lead the Credit & Spend Management tribe as a cross-functional GM, managing 6 to 8 direct reports and guiding embedded product, engineering, data, and design teams
Build Relay’s in-house credit engine, including monitoring infrastructure and decisioning systems, reducing reliance on third-party underwriting over time
Own credit policy and underwriting strategy, including exception handling, manual reviews, and escalations
Expand the lending portfolio from a single product to a multi-product suite, owning performance from origination through charge-off
Evolve the charge card proposition through structured experimentation and data-driven iteration
Own the credit and debit P&L, driving sustainable growth while managing to risk and capital appetite
Partner closely with banking partners, capital providers, and internal stakeholders to align on strategy, performance, and compliance

Requirements

What you’ll need

Min 5 to 7 years of hands-on experience in credit strategy and analytics, with direct ownership of underwriting policies and models. Deep experience in SMB underwriting – you’ve made or approved real lending decisions based on business fundamentals – is a plus.
Experience building or scaling credit products in a fintech or similarly fast-paced environment, including 0→1 or early-stage systems
Strong grasp of credit infrastructure and data—comfortable working with APIs, vendor models, and translating risk-sharing agreements into financial outcomes
Familiarity with alternative data sources (e.g., Plaid, accounting integrations, commercial bureaus) and how to incorporate them into underwriting
Experience working with bank partners, regulators, or examiners in a credit context
Strong operator with a bias toward ownership—you’re comfortable being accountable for both strategy and execution.

Benefits

Comp & perks

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Hard Skills & Tools

credit strategyunderwriting policiescredit analyticscredit infrastructuredata-driven iterationcredit productsrisk-sharing agreementsalternative data sourcesAPIsfinancial outcomes

Soft Skills

leadershipaccountabilitycross-functional collaborationstrategic thinkingexecutioncommunicationproblem-solvingownershiporganizational skillsbias toward action