Manager/Senior Manager, Credit Strategy in Canada Creek, Nova Scotia at Jobgether
Explore Related Opportunities
Job Description
This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Manager/Senior Manager, Credit Strategy based in Canada.
In this high-impact role, you will shape and evolve end-to-end credit strategy across a portfolio of consumer lending products, directly influencing how credit decisions are made, priced, and optimized.
You will sit at the intersection of credit risk, financial performance, and product strategy, using data-driven insights to expand responsible access to credit for Canadian consumers.
The role combines advanced analytical work with strategic decision-making, including segmentation design, portfolio optimization, and risk-return modelling.
You will build and refine credit frameworks that guide both day-to-day underwriting decisions and long-term portfolio direction.
A key focus will be balancing growth and risk by identifying underserved segments while ensuring strong portfolio performance and financial resilience.
You will collaborate closely with Product, Engineering, Data, and Risk teams to translate insights into actionable credit policies and system changes.
This is a highly strategic role for someone who thrives in ambiguity, enjoys deep analytical work, and can influence senior stakeholders with confidence.
- Own and evolve credit strategy across consumer lending products, including approval criteria, credit limits, pricing, segmentation, and policy rules.
- Analyze portfolio performance (delinquencies, losses, utilization, revenue trends) to generate actionable insights and strategic recommendations.
- Develop and test segmentation strategies to expand responsible lending while maintaining strong risk controls and portfolio quality.
- Build and maintain financial models to assess risk-return trade-offs, including P&L impacts, scenario analysis, and stress testing.
- Identify emerging risk patterns, macroeconomic signals, and borrower behavior shifts, and recommend mitigation strategies.
- Define and enhance credit frameworks for new products and lending initiatives.
- Collaborate cross-functionally with Product, Engineering, Data, Finance, and Risk teams to implement credit policy changes and decisioning logic.
- Develop risk scorecards, early warning indicators, and monitoring tools to support portfolio health tracking.
- Support forecasting, planning, and reporting processes including credit P&L projections and leadership updates.
- Evaluate alternative data sources and improve credit decisioning methodologies where applicable.
- Contribute to credit risk reporting for senior leadership and governance forums.
- 3–5+ years of experience in consumer credit strategy, credit risk, or quantitative analytics roles within fintech, banking, or lending organizations.
- Proven experience designing or optimizing credit policies, underwriting rules, or customer segmentation for consumer credit products.
- Strong quantitative and analytical skills, including experience with financial modelling, cohort analysis, and statistical interpretation.
- Proficiency in SQL; Python or R experience is a strong asset.
- Ability to translate complex data analysis into clear, decision-ready recommendations for senior stakeholders.
- Experience working cross-functionally with Product, Engineering, Finance, and Risk teams.
- Strong understanding of consumer lending products such as credit cards, personal loans, lines of credit, or BNPL.
- Experience with credit risk monitoring, portfolio analytics, or forecasting is highly valuable.
- Familiarity with A/B testing or Champion/Challenger frameworks is an asset.
- Knowledge of credit bureau data (Equifax, TransUnion) and regulatory environments is a plus.
- Strong communication skills with the ability to influence and drive alignment across teams.
- A proactive, ownership-driven mindset with comfort operating in ambiguous, fast-paced environments.
- Competitive compensation package ($110,000 – $170,000 CAD range)
- Remote-first work environment with flexibility across Canada
- Opportunity to shape core credit strategy in a high-growth fintech environment
- Strong exposure to advanced analytics, modelling, and portfolio optimization
- Collaborative, mission-driven culture focused on financial empowerment
- Opportunity to work cross-functionally with senior Product, Data, and Risk leaders
- Inclusive and transparent compensation philosophy
- Access to a modern, data-driven decision-making environment.