Senior Credit Risk & Underwriting Lead

Elective; Vancouver; Hybrid; CAD 80,000 - 110,000; Full time

Benefits offered by this job

Laptop & Equipment

Learning & Development Stipend

Extended Health Care Benefits

Hybrid work model

Job summary

Elective, a Vancouver-based fintech, is seeking a Senior Credit Risk Analyst to own credit risk and underwriting initiatives driving growth. You’ll report to the Head of Finance & Risk and collaborate with the CEO in a dynamic startup environment.

You’ll develop underwriting frameworks, analyze loan performance, deliver risk reporting, and leverage AI tools to automate workflows. The role is hybrid, full-time in downtown Vancouver with salary $80,000–$110,000 CAD and benefits.

Qualifications

• Bachelor degree or equivalent in business, economics, or related area.
• 2–5 years of experience in credit risk, underwriting, financial services advisory, or related areas.
• Demonstrated ability to use Excel, SQL and Python or R to analyze data.
• Ability to verify AI outputs and build scalable workflows.

Responsibilities

• Spearhead merchant underwriting and onboarding workflows end-to-end.
• Build on underwriting frameworks to improve risk-adjusted returns.
• Develop tailored pricing proposals with merchants balancing competitiveness and risk.
• Analyze loan book performance to identify risks and opportunities.
• Provide risk reporting to management to support decision making.
• Deliver weekly merchant risk and portfolio health reports with actionable insights.
• Support design and launch of new credit products with financial modeling.
• Leverage AI tools to automate workflows and scale operations.

Skills

Credit risk analysis

Underwriting

Excel

AI tooling

Communication

Cross-functional collaboration

Problem solving

Education

Bachelor degree in business, economics, or related

Tools

SQL

Python

R

Job description

Elective, a Vancouver-based fintech, is seeking a Senior Credit Risk Analyst to own credit risk and underwriting initiatives driving growth. You’ll report to the Head of Finance & Risk and collaborate with the CEO in a dynamic startup environment.

You’ll develop underwriting frameworks, analyze loan performance, deliver risk reporting, and leverage AI tools to automate workflows. The role is hybrid, full-time in downtown Vancouver with salary $80,000–$110,000 CAD and benefits.