Director, Credit Risk

Mogo; Vancouver; Remote; CAD 130,000 - 170,000; Full time

Job summary

A leading financial services company is seeking a Director-level Credit Risk professional. This high-impact role involves leading IFRS 9 modeling, collections strategy, and loan loss forecasting in a fully remote environment. The ideal candidate will have extensive experience in credit risk and analytics, particularly in consumer lending, and will leverage AI tools to innovate credit decisioning.

Benefits

Fully remote work

Comprehensive health and wellness coverage

Stock options

Flexible vacation policy

Wellbeing programs

Qualifications

• 8+ years in credit risk, analytics, or modeling.
• Deep experience with IFRS 9, PD/ECL, and subprime portfolios.

Responsibilities

• Build and manage IFRS 9 PD/ECL models for credit products.
• Design and optimize collections strategies and recovery segmentation.
• Collaborate with teams to improve credit decisions.

Skills

Credit Risk

Analytics

Modeling

Communication

Tools

Python

SQL

Job description

At Mogo, we’re on a mission to help Canadians get financially fit. As we scale our line of credit product, we’re looking for a Director-level Credit Risk professional to lead the charge on IFRS 9 modeling (PD/ECL), collections strategy, and loan loss forecasting — all with a focus on the unique dynamics of subprime lending.

This is a high-impact individual contributor role where you'll own critical risk models, shape collections strategies, and analyze credit performance across the portfolio. You’ll also have the opportunity to explore and implement AI tools and advanced analytics to innovate credit decisioning. If you’re strategic, hands-on, and innovative — this role is for you.

Base salary for this role: $130,000-170,000

What You’ll Do

• Build, refine, and manage IFRS 9 PD/ECL models for credit products
• Lead loan loss forecasting and macroeconomic scenario analysis
• Design and optimize collections strategies and recovery segmentation
• Collaborate with Finance, Product, and Data teams to improve credit decisions
• Explore and apply AI/ML tools for credit risk prediction, segmentation, or automation
• Maintain model governance, documentation, and validation processes
• Advise on credit policy, risk appetite, and product risk design
• Analyze portfolio trends, delinquencies, roll rates, and forward flow risk

What You Bring: 8+ years in credit risk, analytics, or modeling — preferably in consumer lending; deep experience with IFRS 9, PD/ECL, and subprime portfolios; strong collections strategy experience; proficiency in Python or SQL; interest or experience in AI tools for credit risk modeling; excellent communication skills to translate complex models into practical insights.

Benefits Of Working With Us

• Fully remote work supported by necessary resources
• Comprehensive health and wellness coverage, including medical, dental, and vision
• Stock options to share in the company's success
• Flexible vacation policy including paid time off, holidays, and personal days
• Wellbeing programs offering counseling, mental health support, and wellness resources

About Us

We help Canadians achieve financial freedom while making a positive impact. Despite living in an era of innovation, many still face financial struggles. We envision a future where financial freedom is accessible to all, equitable, and resilient against climate change. Our mission is to use our financial tools to create a better world.

Apply today! Feel free to share this opportunity with anyone who might be a great fit. Mogo values diversity and inclusion, encouraging applicants from all backgrounds to bring their unique perspectives and help our customers thrive.