Senior Manager, Credit Risk (AI)

Location: Anywhere in Canada. Employees in Edmonton, Toronto, Vancouver, or Kitchener-Waterloo participate in their department’s in-office schedule; employees outside these hub cities work remotely.

Salary: CAD 124,530–204,585 annually, with a midpoint of CAD 177,900.

Company

hirify.global provides software and embedded financial tools that help small home-service businesses quote, schedule, invoice, and collect payments.

What you will do

• Lead, coach, and grow the Credit Risk Analyst team, including hiring plans, team structure, career paths, and future team leads.
• Own underwriting, exposure decisions, portfolio monitoring, collections and recovery strategy, loss forecasting, and credit risk operations.
• Define credit risk appetite, policy, approval criteria, exposure and concentration limits, delegated authority, and escalation decisions.
• Partner with Data Science and Risk Analytics to build, validate, monitor, and improve scorecards, statistical models, machine learning approaches, and decisioning logic.
• Build an AI-native credit risk practice through automation, tooling, multi-year planning, and a scalable framework for payments and lending.
• Work with Fintech, Product, Finance, Legal, Compliance, Customer Support, lenders, and vendors on controls, regulatory requirements, funding, reporting, and new product launches.

Requirements

• 8+ years of experience in credit risk within financial services, fintech, payments, or lending, including 3+ years of people leadership.
• Experience hiring and developing analysts and ideally team leads, with ownership of credit policy, risk appetite, limit frameworks, and high-stakes credit decisions.
• Experience managing a credit portfolio through stress or a full credit cycle and adjusting strategy as performance changed.
• Builder’s mindset with a track record of solving problems through automation and tooling, plus enthusiasm for using AI to create new credit risk approaches.
• Data-centric decision-making and proficiency in SQL and Python or a similar language for independently pulling, analyzing, and interrogating data.
• Working familiarity with statistical and machine learning approaches such as logistic regression, decision trees, and gradient boosting, including validation, drift monitoring, explainability, and production governance.
• Hands-on IFRS 9 or equivalent GAAP experience, including building or owning an expected credit loss model and its governance.
• Strong written and verbal communication skills, including presenting quantitative findings to executives, credit committees, auditors, and external funding partners.
• Ability to work autonomously, manage time effectively, embrace ambiguity and change, and proactively find direction and guidance.

Nice to have

• Knowledge of small business lending regulation in Canada or the US, including ECOA and Regulation B adverse action requirements.
• Experience with credit scorecard development, calibration, or monitoring.
• Experience building or overseeing credit risk models or policies for installment loans, lines of credit, merchant cash advances, or similar products.
• Experience with payments or lending infrastructure such as Stripe, Adyen, Plaid, or similar platforms.
• Experience evaluating AI/ML tooling or vendors for risk decisioning.
• Familiarity with Slack, Salesforce, Asana, Confluence, or similar collaboration tools.

Culture & Benefits

• Remote work outside the four hub cities, with intentional in-person collaboration and department office schedules in hub cities.
• Extended health benefits with fully paid premiums for body and mind.
• Matching contributions to RRSP, TFSA, or FHSA, plus stock options and annual health and wellness stipends.
• Talent development, coaching, learning, and leadership programs.
• Inclusive, transparent, collaborative, and innovation-focused work environment.