Credit Risk & Analytics Engagement Manager

This is a fully remote position, open to applicants in Canada.

📋 Description

• Collaborate directly with clients to influence credit decisions and enhance portfolio performance.

• Propel portfolio performance, establish risk appetite, and guide policy direction.

• Maintain a balance between competitiveness and profitability across various segments through effective pricing strategies and optimization.

• Coordinate credit strategy with Finance, Product, Sales, and Underwriting through strong cross-functional leadership.

• Ensure that analytics and data teams generate business impact through performance management.

• Oversee IRR, cohort performance, roll rates, and funnel conversion metrics.

• Define and refine credit policies, underwriting strategies, and pricing frameworks.

• Collaborate with Finance, Product, Sales, and Operations to implement credit strategy.

⛳️ Requirements

• A Bachelor’s degree in finance, economics, mathematics, or a related discipline is required; an advanced degree is preferred.

• Over 10 years of progressive experience in credit risk, with direct responsibility for portfolio performance.

• At least 3 years in a director-level or higher leadership position managing teams.

• Significant experience in small business lending, alternative finance, Merchant Cash Advances, or non-prime environments is preferred.

• A proven history of making credit and pricing decisions that yield measurable business results.

• Experience operating at an executive level with substantial cross-functional influence.

• Extensive knowledge in portfolio management, pricing strategies, and unit economics.

• Strong grasp of underwriting processes, credit policy creation, and segmentation strategies.

• Capability to analyze and question analytics outputs without direct model development ownership.

• Advanced Excel skills; familiarity with SQL and BI tools for data analysis.

• Understanding of credit decisioning systems, data vendors, and fraud prevention tools.

• Experience utilizing data to inform strategic decisions, conduct stress testing, and engage in scenario planning.

🏝️ Benefits

• Annual Bonus