Credit Risk and Analytics Lead

Keep; Canada; Remote; CAD 80,000 - 120,000; Full time

Job summary

A leading fintech startup in Canada is seeking a Credit Risk Lead to own the credit strategy and policy. The ideal candidate will have strong data analysis skills, experience with SQL, and a background in small business lending. This role offers an exciting opportunity to shape data-driven credit decisions and collaborate across teams. Join us to help redefine the credit landscape for SMEs.

Benefits

Flexible work environment

Team collaboration

Remote-friendly culture

Qualifications

• Experienced in data analysis and translating data into strategic decisions.
• Proficient in writing complex SQL queries.
• Background in financial services, lending, or credit analysis is preferable.

Responsibilities

• Own our credit risk strategy with data-driven decision-making.
• Build dashboards to monitor loan book performance.
• Collaborate with cross-functional teams to align credit strategy.

Skills

Strong SQL skills

Data analysis

Risk management

Dashboard building

Education

Bachelor's degree in a relevant field

Job description

Our Journey at Keep

At Keep, we embarked on a mission with a powerful question: Why hasn't the banking experience caught up with the rapid pace of technology?

This continues to fuel our passion for reshaping the Canadian fintech landscape. We provide businesses with a comprehensive suite of cross-border banking services, offering everything from credit cards to deposit accounts, currency conversions, and revenue financing.

With a team of seasoned global startup veterans with successful exits, Keep is committed to leading the charge as Canada's next-generation fintech institution. Backed by VCs in the fintech sector, we're racing ahead, expanding our reach and impact like never before.

About the Role

We’re looking for a Credit Risk Lead with a strong data analysis background to take ownership of our credit strategy and policy. If you’re a data analyst who loves working with large datasets, writing complex SQL queries with experience in small business lending, and turning insights into real-world risk decisions, this role is for you.

You’ll build and monitor dashboards, analyze portfolio performance, and use data to shape our underwriting models and policies proactively. This role is perfect for someone who wants to move from pure analysis into strategic ownership, using data to guide the future of credit at Keep.

Who We're Looking For

• Own our credit risk strategy, with a focus on data-driven decision making

• Write complex SQL queries to extract insights from large datasets

• Build dashboards and reporting to monitor loan book performance, default rates, and key risk indicators

• Analyze portfolio trends and stratify risk by variables like industry, risk tier, revenue size, and time on book

• Identify early signals of risk performance issues and recommend proactive changes

• Collaborate with engineering to implement credit model improvements based on empirical data

• Adjust risk variables, weights, and logic to improve underwriting accuracy and profitability

• Propose credit product tweaks to balance revenue opportunities and risk exposure

• Drive credit policy evolution as the company scales

Key Responsibilities:

• Own the Credit Policy: Take end-to-end ownership of the credit strategy, making iterative improvements based on data and business needs.

• Monitor Loan Book Performance: Set up dashboards, analyze default rates, and stratify loan performance across key variables.

• Evolve the Underwriting Model: Adjust risk weightings, variables, and logic based on performance data. Collaborate with engineering and data teams to implement changes.

• Cross-Functional Collaboration: Partner with operations, sales, finance, and engineering to ensure the credit strategy is aligned and well-executed.

• Proactive Risk Management: Identify risks early and propose mitigations before they become issues.

• Drive Strategic Projects: Propose and lead initiatives to improve credit performance and evolve our product offering.

• Long-Term Credit Strategy: Develop frameworks that scale with Keep’s growth and adapt to new market opportunities.

Why You Are

• A data analyst or data-driven professional with strong SQL skills

• Experienced working with large datasets, ideally in financial services, lending, or credit analysis

• Comfortable translating data into strategic credit decisions

• Curious, proactive, and not afraid to challenge assumptions or recommend changes

• Skilled at building dashboards, tracking KPIs, and driving portfolio insights

• Bonus if you have experience in small business lending or fintech underwriting

Why Join Keep?

• We’re a fintech startup building a modern financial ecosystem for SMBs in Canada.

• Join a team that’s rewriting how businesses access credit, spend, and grow.

• Be part of a company that values autonomy, accountability, and impact.

• Work in a culture that prizes clear thinking, cross-functional collaboration, and real results.

• Enjoy a remote-friendly, flexible work environment with a team that actually enjoys working together.

Why This Might Not Be a Good Fit

• If you’ve only worked in rigid, traditional financial institutions, the fast-moving nature of a startup may feel overwhelming.

• If you need clear, detailed instructions before taking action, this role won’t provide that.

• If you’re more comfortable analyzing problems than solving them — especially through iteration — the ownership here may feel intense.

• If you prefer working independently and avoid collaboration, our approach to team problem-solving might not resonate.

What’s the Interview Process Like?

1. People Screening (30 min): A conversation to assess cultural fit, strategic mindset, and analytical instincts.

2. Peer Interview (45 min): Explore fintech experience, small business underwriting, and collaboration skills.

3. Hiring Manager Interview with our CFO (45 min): Dive deep into your experience managing credit portfolios and policies.

4. Project Presentation: Present your approach to refining a credit model, evaluating risk, and collaborating with stakeholders.

5. References: We’ll connect with a few people who’ve worked closely with you.

6. Offer

Want to Learn More?

Head over to our webpage to discover more about us. Take a peek at our Glassdoor profile to see what our Keepers are saying, and stay tuned for exciting updates on our LinkedIn page and learn about our values and benefits on our career page.

Commitment to Diversity and Inclusion

Keep provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, genetics, sexual orientation, gender identity, or gender expression. We are committed to a diverse and inclusive workforce and welcome people from all backgrounds, experiences, perspectives, and abilities.