Senior Manager, Origination Risk Management

Driven; Toronto; Hybrid; CAD 100,000 - 130,000; Full time

Job summary

Driven is seeking a Senior Manager for Origination Risk Management to lead credit risk initiatives. This role focuses on developing innovative adjudication models while collaborating with cross-functional teams to refine underwriting analytics. Candidates should possess a strong background in credit risk management, data analysis, and programming, and will benefit from competitive compensation and a flexible work environment.

Benefits

Competitive compensation, including equity

Flexible hybrid work model

Comprehensive health and dental benefits

Unlimited vacation days

Paid parental leave

Training opportunities and tuition support

Qualifications

• 6+ years of experience in credit risk management, preferably in fintech.
• Proven experience in origination risk strategy and scorecard development.
• Strong programming skills in Python, R, SQL.

Responsibilities

• Lead the development and optimization of adjudication models and strategies.
• Analyze sales funnel and underwriting performance for conversion improvement.
• Provide strategic insights on credit policy and growth initiatives.

Skills

Programming skills

Data analysis

Risk decision-making

Credit risk strategy

Education

MBA or equivalent

Job description

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Purpose Unlimited is an independent financial services company with an unrelenting focus on customer-centric innovation, delivered through technology-driven solutions. Led by entrepreneur Som Seif, the company is developing a diversified product platform aimed at addressing historically underserved segments of the market. Purpose Unlimited’s businesses include Purpose Investments, Advisor Solutions by Purpose, and Driven.

Who is DRIVEN?

At Driven, we are redefining the financial technology space with a mission to empower Canadian small businesses through innovative financial services. Our advanced software platform, real-time data connections, and data science models allow us to deliver tailored support to help entrepreneurs succeed when they need it most.

Team Mission :

Our Credit Risk team is at the forefront of driving responsible growth through data-driven credit strategies. We focus on optimizing the customer acquisition journey—from the top of the sales funnel to underwriting—by leveraging advanced analytics, predictive modeling, and innovative risk strategies. Our mission is to enable sustainable growth while maintaining a strong risk posture.

Role Overview :

Reporting to the Director of Credit Risk & Collections, the Senior Manager of Origination Risk Management will lead the development and optimization of adjudication models, scorecards, and acquisition strategies. You will work closely with cross-functional teams to explore new product opportunities and refine underwriting analytics to support business expansion within acceptable risk parameters.

Key Responsibilities :

• Lead the development and enhancement of adjudication models, scorecards, and acquisition strategies using advanced analytics and machine learning techniques.
• Analyze the sales funnel and underwriting performance to identify opportunities for conversion improvement and risk mitigation.
• Partner with Product, Technology, Marketing, Sales & Ops to explore and evaluate new product opportunities and market segments.
• Monitor and optimize risk decision-making through continuous testing and refinement of origination strategies.
• Provide strategic insights and recommendations to senior leadership on credit policy, risk appetite, and growth initiatives.
• Lead system migration initiatives and deployment of changes in origination strategies, including the design, testing, and implementation of risk decision engines and loan acquisition / origination platforms.
• Ensure compliance with regulatory requirements and internal risk governance standards.

Qualifications :

• 6+ years of experience in credit risk, preferably in a fintech or digital lending environment.
• Proven experience in origination risk strategy, scorecard development, and underwriting analytics.
• Strong programming and data analysis skills (e.g., Python, R, SQL).
• Experience implementing risk decision engines and loan acquisition / origination platforms; demonstrated experience in system migration design, testing, and implementation.
• MBA or equivalent business experience preferred.
• Excellent communication and leadership skills with a track record of cross-functional collaboration.

Why should you join us?

• We are one of Canada's Top Small & Medium Employers' 2023, 2024 & 2025. Three times in a row!!!
• We believe in innovation and a vibrant culture - work for an innovative, people-first, financial services firm that values entrepreneurialism.
• We believe in a flexible work structure – A flexible hybrid work model that empowers you to do your best work whether at home or in the office.
• We care about your rewards - Competitive compensation, including an equity program.
• We care about your health – comprehensive group health and dental benefits and life insurance at little to no cost to you. We also offer a Lifestyle Spending Account for all your wellness needs.
• We care about your quality of life - flexible paid time-off policy with unlimited vacation days, and flexible sick and mental health days.
• We care about your family - Paid parental leave for eligible employees with a top-up.
• We care about your future – Generous Group RRSP matching and an optional TFSA program.
• We care about your development – We offer training opportunities and tuition support year-round.

Driven is an equal employer, and we are dedicated to fostering an inclusive and barrier-free work environment for all employees and candidates. We encourage all qualified candidates to apply, and if accommodation is required during any stage of the recruitment process, please contact any member of the People and Culture team at [e-mail].

We thank all applicants for their interest; however, only those selected for interviews will be contacted.

Our work philosophy is a hybrid model allowing for flexibility and collaboration.

Seniority level

Seniority level

Mid-Senior level

Employment type

Employment type

Full-time

Job function

Job function

Engineering, Finance, and Information Technology

Financial Services, Banking, and Investment Management

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