Credit Risk Analyst - French Speaking

ebury anz; Toronto; Hybrid; CAD 80,000 - 110,000; Full time

Benefits offered by this job

Competitive salary

Annual discretionary bonus

Mentorship program

Cutting-edge technology

Career progression

Generous benefits package

Central Toronto office

Job summary

Ebury is building out its Credit Risk function in Toronto. The Credit Risk Analyst (French-speaking) will perform detailed credit analysis of SME clients for trade finance and FX products, and prepare submissions for the Credit Committee.

You will defend recommendations at committee meetings, contribute to automated risk modelling, and collaborate with front office and operations to ensure a smooth client experience in a hybrid Toronto environment.

Qualifications

• SME credit underwriting experience.
• Strong financial analysis skills.
• Knowledge of Canadian accounting principles.
• Fluent in English and French.

Responsibilities

• Support the Country Head of Credit Risk and report to them.
• Perform detailed credit analysis for trade finance and currency products.
• Present analyses at credit committee meetings with senior management.
• Collaborate with front office and operations to ensure a smooth client experience.
• Manage a portfolio of clients, monitoring credit standings.
• Contribute to development of automated risk modelling.

Skills

SME credit underwriting

Financial analysis

Clear communication

Canadian accounting

FX markets

Excel proficiency

English-French bilingual

Job description

Ebury helps ambitious businesses unlock global growth, and we take the same approach with our people. We encourage innovation and movement, collaboration and problem-solving, and foster an environment where everyone can feel they belong, are valued, supported and empowered to succeed.

If you’re a collaborator who wants to help transform how businesses operate globally, get in touch - we’d love to discuss how Ebury can accelerate your career so you can shape the future.

Credit Risk Analyst – French Speaking

Ebury Toronto Office – Hybrid: 4 days in the office, 1 day working from home per week

Your Role:

We are building out our Credit Risk function here in Toronto, Ebury’s main Canadian office, and you will be one of the first analysts dedicated to one of our most important geography.

Our lending is powered by business insight. The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling.

You will be expected to prepare a submission to our Credit Committee with analysis and recommendations, as well as contribute to the development of automated risk modelling and adapt our processes to local markets.

The key is to add qualitative insight to credit decisions, including granting lines, monitoring them, and pursuing collections.

Your Specific Responsibilities:

• Support, and report to, the Country Head of Credit Risk;
• Undertake ad hoc requests from the Head of Credit Risk;
• Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles;
• Present and defend your analysis personally at credit committee meetings to senior management, including C‑Suite;
• Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly;
• Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury;
• Proactively manage your own pipeline of work;
• Liaising with managers across our other geographies to add insight or assist where necessary;
• Share your thoughts to improve our processes.

Your Background:

We don’t conduct our credit analysis via a tick box exercise and we believe the same should be true of the people we hire. Below is simply an example of the background we are looking for:

• A background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity's creditworthiness;
• A clear, structured, and concise communication style with the ability to explain complex concepts in a coherent way;
• A solid understanding of Canadian accounting principles;
• An understanding of FX markets and associated vanilla products;
• An ability to work in Excel in a professional setting.
• Have a high level of proficiency in communication in both English and French.

Why Ebury?

• Competitive Starting Salary with an annual discretionary bonusthat truly rewards your performance from day one.
• Dedicated Mentorship: Learn directly from experienced (managers of departments) who are invested in your success.
• Cutting-Edge Technology: Leverage state‑of‑the‑art tailor‑made tools and systems that enable you to perform at your best.
• Clear, Accelerated Career Progression: Defined pathways to leadership and specialist roles within Ebury.
• Dynamic & Supportive Culture: Work in a collaborative environment where teamwork and personal growth are prioritised.
• Generous Benefits Package: Access competitive benefits tailored to your location, which include health care and social benefits.
• Central Toronto Office: A fantastic location with excellent transport links.

About us

Ebury delivers sophisticated, integrated solutions — business accounts, hedging, and financing — on a single platform with a seamless workflow. Our success is built on a simple premise and singular purpose: To help businesses operate and scale globally.

Since its founding in 2009, Ebury has always been a fast‑growing leader in fintech. Today, we bring together 2000+ Eburians across nearly 70 cities and we’re always looking to add to our team.

At the heart of our offering is a proprietary platform, purpose‑built to help businesses seamlessly streamline and manage global cash flow. We focus on continuous product evolution and innovation to build the infrastructure for borderless growth and help our clients scale at every stage.

The opportunities at Ebury are as diverse as our people, ranging from business development to engineering roles across our tech pillars.

We believe in inclusion. We stand against discrimination in all forms and are against the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story.

Important Security Notice for Job Applicants

Ebury only accepts applications via official Ebury channels.We will only contact you from [e-mail]. Always check the emails you receive from us, and note that we willneverrequest payment for any part of the recruitment process. Stay safe and report suspicious activity.

Notice to Recruitment Agencies and Search Firms

Ebury does not accept unsolicited resumes, CVs, or candidate profiles from recruitment agencies or search firms without signed written Ebury recruitment terms in place for a specific role. Any unsolicited applications will be considered the sole property of Ebury. Ebury will not be responsible or liable for any placement fees or costs associated with unagreed candidate submissions or subsequent hires.

AI Transparency Statement

Ebury uses Artificial Intelligence (AI) and automated tools to help streamline certain parts of our recruitment process, however, these tools are strictly for administrative efficiency. All hiring decisions, including application reviews, shortlisting, and final selections are evaluated and conducted by human talent acquisition professionals and hiring managers.