Associate Risk Manager, Canada

Motive; Remote; CAD 86,000 - 128,000; Full time

Job summary

A leading technology firm in Canada is seeking an experienced underwriting professional to evaluate financial risks and make credit decisions. The ideal candidate will have over 4 years of experience in financial services and expertise in Canadian compliance. This position offers a competitive salary between CAD 86,000 and 128,000, along with comprehensive benefits including health care and a retirement plan.

Benefits

Health and dental care

Paid time off

401(k) contribution

Short-term and long-term disability coverage

Qualifications

• 4+ years underwriting in financial services, high-growth payments, or fintech.
• Demonstrated experience in bank-based and financial underwriting.
• Self-motivated, organized, and reliable with expertise in mathematics and financial spreading.

Responsibilities

• Communicate application status and request additional documentation.
• Make timely and accurate credit decisions based on policy guidelines.
• Validate document authenticity and identify suspicious behavior.
• Create underwriting policies and procedures.
• Perform financial analysis and compile underwriting memos.
• Set customer expectations and answer questions during the onboarding process.
• Collaborate with Sales, Product, and Operations to deliver a world-class customer experience.

Skills

Bilingual in English and French

Analytical problem-solving

Strong organization skills

Time management

Communication skills

Knowledge of financial risk assessment

Expertise in quantitative and qualitative analysis

Experience in bank-based underwriting

Job description

Motive empowers the people who run physical operations with tools to make their work safer, more productive, and more profitable. For the first time ever, safety, operations and finance teams can manage their drivers, vehicles, equipment, and fleet related spend in a single system. Combined with industry leading AI, the Motive platform gives you complete visibility and control, and significantly reduces manual workloads by automating and simplifying tasks.

Motive serves nearly 100,000 customers – from Fortune 500 enterprises to small businesses – across a wide range of industries, including transportation and logistics, construction, energy, field service, manufacturing, agriculture, food and beverage, retail, and the public sector.

At Motive, our Risk Management team ensures the entire organization runs smoothly, scalably, and strategically. We are seeking a highly motivated and experienced underwriting professional to join our Risk Management team. As an experienced underwriter, you will be responsible for reviewing and assessing the financial risk of new and existing customers, while making decisions based on policy guidelines. You should have significant experience and subject matter expertise in financial services, end‑to‑end underwriting lifecycle, bank statement and financials decision, and risk assessment, as well as a strong understanding of Canadian federal and provincial regulations.

You will work as a member of our Risk Organization and collaborate with members from our sales, applied science, product management, and other stakeholders to deliver best‑in‑class customer experience. You’ll evaluate applications, perform analysis that mitigates financial risk, and make timely and accurate decisions on application outcomes.

What You’ll Do

• Communicate application status and request additional documentation when needed.
• Make timely and accurate credit decisions based on policy guidelines.
• Validate document authenticity and identify suspicious behavior and trends.
• Create underwriting policies and procedures.
• Perform financial analysis and compile underwriting memos.
• Set customer expectations and answer questions during the onboarding process.
• Closely collaborate with Sales, Product, and Operations to deliver a world‑class customer experience.

What We’re Looking For

• Bilingual in English and French.
• 4+ years underwriting in financial services, high‑growth payments, or fintech.
• Highly analytical, collaborative, and independent problem‑solver.
• Strong organization, time management, and communication skills.
• Knowledge of financial risk assessment principles and the Canadian compliance, lending, and regulatory landscape.
• Expertise in both quantitative and qualitative analysis.
• Demonstrated experience in bank‑based and financial underwriting.
• Self‑motivated, organized, and reliable, with proven expertise in mathematics and financial spreading.

Compensation and Benefits

Your compensation may be based on several factors, including education, work experience, and certifications. For certain roles, total compensation may include restricted stock units. Motive offers benefits including health, pharmacy, optical and dental care, paid time off, sick time off, short‑term and long‑term disability coverage, life insurance, and a 401(k) contribution (all benefits are subject to eligibility requirements).

The compensation range for this position, depending on location, is:

Canada – $86,000 – $128,000 CAD

Equal Employment Opportunity

Creating a diverse and inclusive workplace is one of Motive's core values. We are an equal opportunity employer and welcome people of different backgrounds, experiences, abilities and perspectives.

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