Senior Manager, Credit Risk

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About This Role

Jobber seeks a Senior Manager, Credit Risk to join its Fintech department and lead the credit risk function from the ground up with an AI-native approach. Jobber builds technology that enables small home service businesses, such as painters, landscapers, and plumbers, to handle quoting, scheduling, invoicing, and payment collection. Fintech represents a major strategic priority for the company as it expands financial tools like Jobber Payments and upcoming lending services.…

Job Description

Responsibilities

• Manage, mentor, and expand a team of Credit Risk Analysts while establishing team career paths and hiring plans
• Oversee end-to-end credit risk operations including underwriting decisions, portfolio monitoring, and collections strategies
• Establish credit risk appetite, limit frameworks, and credit policy, serving as the final escalation point for exceptions
• Collaborate with Data Science and Risk Analytics to develop scorecards, statistical models, and machine learning decision logic
• Drive an AI-native approach to credit risk management and automate risk workflows
• Define the multi-year credit risk roadmap covering people, tools, data, and models
• Build credit risk frameworks for current payments offerings and upcoming lending products
• Partner with cross-functional teams like Product, Finance, Legal, Compliance, and Customer Support
• Ensure credit decisioning complies with Canadian and US regulatory requirements
• Manage credit loss provisioning and stress testing using IFRS 9 or equivalent GAAP standards
• Report portfolio health and risk exposure metrics to leadership, executive teams, and credit committees
• Maintain vendor relationships covering credit bureaus, open banking providers, and decisioning platforms

Requirements

• Minimum of 8 years of experience in credit risk within financial services, fintech, lending, or payments
• At least 3 years of people leadership experience managing analysts or team leads
• Demonstrated track record of setting credit policy, risk appetite, and limit frameworks
• Experience managing a credit portfolio through a credit cycle or period of stress
• Proficiency in SQL and Python or a similar language for data analysis and collaboration
• Familiarity with statistical and machine learning approaches used in credit risk management
• Hands-on experience with IFRS 9 or equivalent GAAP standards for credit loss provisioning
• Strong written and verbal communication skills for presenting to executives and external partners
• Ability to work autonomously and manage time effectively in a distributed environment

Qualifications

• Working knowledge of US or Canadian small business lending regulations like ECOA and Regulation B
• Familiarity with credit scorecard development, monitoring, and calibration
• Prior experience building or overseeing credit risk models or policies for lending products such as installment loans or lines of credit
• Experience with modern lending or payments infrastructure like Plaid, Adyen, or Stripe
• Experience evaluating or working with AI and machine learning risk decisioning tools
• Familiarity with collaboration software such as Slack, Asana, Confluence, or Salesforce

Core Skills

Benefits

• Extended health benefits package with fully paid premiums for physical and mental health
• Matching contributions in RRSP, TFSA, or FHSA
• Stock options
• Dedicated Talent Development program offering coaching, learning, and leadership opportunities

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