Responsibilities Strategy & Policy DevelopmentLead Credit Strategy development: oversee design and execution of strategies across the full credit lifecycle. Innovate Risk Approaches: work with internal and external providers of data and scores to develop innovative credit risk approaches. Scale Decisioning Systems: manage logic and rules within automated systems for real-time decisions. Drive Growth: identify opportunities to grow and optimize existing products, support new card launches, and provide a risk lens for new lending product development. Team Leadership & DevelopmentBuild High-Performing Teams: direct, evaluate, and coach collections strategy analysts and technical experts. Foster Capabilities: develop team analytical skills to monitor portfolio performance and identify emerging trends. Promote Culture: champion continuous improvement and act as a change catalyst for new ideas within the organization. Portfolio Management & AnalyticsAdvanced Modeling: lead projects to build, validate and implement custom credit risk scorecards with Data Analytics. Reporting Excellence: provide timely reporting and analytics of your area of responsibility. Forecasting Support: assist in developing portfolio growth, credit loss and provisioning forecasting models, including stress testing and scenario analysis. Cross-Functional CollaborationInternal Alignment: work closely with Product, Tech, Growth and Finance teams to align risk policies with growth objectives. External Relations: manage relationships with credit risk counterparts at third-party funders to cultivate trust and operational success. Risk Management & ControlsEnsure Compliance: establish strong controls to maintain alignment with regulatory requirements. Test & Learn: organize and oversee detailed test plans to evaluate impact of new strategies on the cost of credit. Qualifications Experience: minimum of 7 years of senior leadership experience in consumer credit risk, preferably within a fast-growing tech environment. Technical Expertise: in-depth knowledge of collections strategies, statistical modeling, and machine learning techniques. Strategic Mindset: entrepreneurial leader comfortable making data-driven decisions in the face of ambiguity. Commercial Orientation: strong understanding of P&L for consumer lending products and balancing growth with risk tolerance. Communication Skills: ability to translate complex data into concise summaries for stakeholders from technical teams to board members. Leadership DNA: proven experience building, mentoring and managing high-performing internal teams and external partner networks. Total Rewards Salary: competitive base salary aligned with market ranges, with flexibility to tailor mix of cash and equity. Equity Ownership: share directly in the upside of the company, with equity vesting during long-term leave. Benefits: health and life insurance, flexible health benefits, personal spending accounts, 21 days paid time off plus statutory holidays and personal leave. Additional perks: wide variety of discounts through partner network, early use of company products and discounts on fixed-term loans, parental top-up. Compensation Range: CA$90K - CA$120K Equal Opportunity We believe in equal opportunity and are committed to creating an inclusive climate where everyone can thrive. #J-18808-Ljbffr