Chief Credit Risk Architect: Build the Function

Applytojobs; Toronto; On-site; CAD 180,000 - 280,000; Full time

Benefits offered by this job

Equity

Toronto office

Job summary

Chexy is seeking a Head of Credit Risk to build and own the credit function from the ground up in Canada. You will write the first credit policy, set risk bounds, design line assignments, and own the loss forecasting and monitoring framework.

You will establish collections, fraud strategy, and governance with direct exposure to the board and capital partners. You will lead policy, underwriting, and risk analytics in a fast-growing fintech environment, collaborating with founders and a seasoned

Qualifications

• 8+ years in consumer credit risk with ownership of underwriting policy and loss outcomes
• Hands-on SQL and Python. Pull data independently for analysis and monitoring
• Experience with bureau data and credit-scoring concepts, loss forecasting and provisioning

Responsibilities

• Write and own credit policy and underwriting standards
• Design line assignment and risk management strategies
• Build loss forecast, vintage/trend monitoring and provisioning with Finance
• Establish collections strategy and operationalize recoveries
• Own fraud strategy and related tooling and signals
• Prepare governance pack and credit reporting to partners
• Ensure launch readiness and ongoing risk management for the portfolio

Skills

SQL

Python

Credit risk

Decision making

Tools

Equifax

TransUnion

Job description

Chexy is seeking a Head of Credit Risk to build and own the credit function from the ground up in Canada. You will write the first credit policy, set risk bounds, design line assignments, and own the loss forecasting and monitoring framework.

You will establish collections, fraud strategy, and governance with direct exposure to the board and capital partners. You will lead policy, underwriting, and risk analytics in a fast-growing fintech environment, collaborating with founders and a seasoned