Manager, Credit Risk (Fintech)

Location: Hybrid in Canada, limited to candidates based in Edmonton, Toronto, Vancouver, or Kitchener-Waterloo; office attendance is required at least 1 day per week.

Salary: $121,000–$163,600 annual base salary, plus equity, health and wellness stipends, retirement savings matching, and extended health benefits.

Company

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

What you will do

• Lead, coach, and grow a team of Credit Risk Analysts.
• Own underwriting, exposure decisions, portfolio monitoring, loss forecasting, and credit risk reporting.
• Partner with Data Science and Risk Analytics to build, validate, and improve scorecards, statistical models, and machine learning decisioning logic.
• Develop an AI-native credit risk practice by automating manual processes and systematizing ad hoc decisions.
• Build credit risk capabilities for the payments business and prepare the function to support lending products.
• Embed credit risk policies and controls into workflows with Fintech, Product, Customer Support, Finance, and Accounting.

Requirements

• Experience in credit risk within financial services, fintech, payments, or lending, including people leadership or analyst-team mentorship.
• Data-centric decision-making skills with proficiency in SQL and Python or a similar language.
• Working knowledge of statistical and machine learning approaches such as logistic regression, decision trees, and gradient boosting.
• Familiarity with IFRS9 or equivalent GAAP standards such as CECL for credit loss provisioning.
• Strong written and verbal communication skills for translating quantitative findings into actionable decisions.
• Must be based in one of the four specified Canadian hub cities and able to attend the office at least 1 day per week.

Nice to have

• Experience developing, calibrating, or monitoring credit scorecards.
• Experience with credit risk models or policies for lending products.
• Familiarity with payments or lending infrastructure such as Stripe, Adyen, or Plaid.
• Experience evaluating AI/ML tooling or vendors for risk decisioning.
• Familiarity with Slack, Salesforce, Asana, Confluence, or similar collaboration tools.

Culture & Benefits

• Inclusive, transparent, collaborative, and innovation-focused work environment.
• Extended health benefits with fully paid premiums for physical and mental wellness.
• Matching contributions to RRSP, TFSA, or FHSA, plus stock options.
• Talent development programs, coaching, learning, and leadership opportunities.
• Supportive colleagues focused on customer impact.

Hiring process

• Interview questions cover people management, IFRS9 or CECL, credit risk ownership, process automation, and AI use in risk workflows.
• One in-person interview at the nearest hirify.global office may be required, with pre-approved travel expenses covered.
• Employment is conditional on successfully completing an identity-verification background check.