Credit Risk Analyst - North American Underwriter

Who We Are About Stripe Stripe serves as a robust financial infrastructure platform tailored for businesses. Our services are leveraged by millions of companies, ranging from the largest multinational corporations to the most innovative startups, enabling them to accept payments, enhance revenue, and accelerate new business opportunities. Our mission is to elevate the GDP of the internet, and we have a monumental task ahead of us. This presents a unique opportunity for you to contribute to the global economy while engaging in some of the most meaningful work of your career. About the Team The Credit team safeguards Stripe's financial interests by managing the comprehensive risk associated with our largest and most intricate users. We utilize profound underwriting expertise and data-informed stress heuristics to make strategic decisions at every phase of the user lifecycle—from onboarding to loss recovery. Our objective is to empower Stripe’s growth by making well-informed, calculated decisions regarding our highest-exposure users. What You’ll Do Stripe processes billions of dollars annually for businesses worldwide, and the Risk team is crucial to the financial success of the company. As a Credit Analyst Underwriter on the North America Strategy Risk team, you will be responsible for underwriting and managing a portfolio of our largest and fastest-growing businesses. Your efforts will facilitate Stripe’s growth objectives while minimizing our credit risk. This role demands strong cross-functional collaboration with Sales, Legal, Treasury, and Finance teams. Responsibilities Engage directly with our top merchants, including successful venture-backed startups and established institutions, to assess their business models and financial statements. Offer tailored credit risk recommendations that reduce Stripe’s exposure while fostering growth for partner companies. Assist in managing the portfolio through a comprehensive understanding of risk across various industries, geographies, and operating models. Deliver insights to guide senior management decisions, influencing onboarding strategies and merchant pricing analyses. Contribute to the refinement of tools and processes to help the team meet key performance indicators, including credit loss targets and portfolio coverage metrics. Collaborate with internal and external partners to support merchants globally. Who You Are We are searching for a candidate who meets the minimum requirements to be considered for this role.

About figfinancial figfinancial is a Canadian FinTech company based in Toronto, Ontario. Since launching in 2023, the team has focused on simplifying personal loans for Canadians through a fully digital platform. The company aims to remove the usual hurdles and wait times found in traditional lending, making credit more accessible and straightforward. figfinancial has received several industry honors, including Consumer Lender of the Year from the Canadian Lenders Association and FinTech Startup of the Year from the FinTech Breakthrough Awards. The company is also recognized as one of Canada’s Best Workplaces and holds a 4.8 out of 5 rating on Trustpilot, reflecting strong customer and employee satisfaction. Backed by Fairstone Bank of Canada and the Ontario Teachers’ Pension Plan, figfinancial combines deep lending experience with a startup’s agility. This support helps the company serve Canadians from a range of financial backgrounds.

Join System Canada Technologies as a Business Analyst with a focus on Quality Assurance in our Credit Risk project. We are seeking an experienced professional who can bridge the gap between business needs and technical solutions. This role requires a keen understanding of credit risk processes and the ability to ensure the highest standards of quality in our deliverables.

eqbank seeks a Credit Risk Intern based in Toronto. This internship offers practical experience in credit risk management within the banking sector. Role overview Work closely with experienced credit risk professionals. Participate in projects that contribute to daily operations and help shape outcomes for customers. What you will do Support ongoing credit risk management activities Assist with projects that impact both internal processes and customer experience Gain exposure to the tools and practices used in a modern banking environment Location This internship is based in Toronto.

Join a Banking InnovatorAt eqbank, we don’t conform to traditional banking norms. Instead, we foster a culture of creativity to deliver groundbreaking banking solutions tailored for Canadians.Our journey is propelled by a dynamic team of curious and adaptable professionals who challenge conventional wisdom. If you are driven by a passion for transforming the banking landscape while enjoying the process, this could be your next significant opportunity.As we continue to expand, we proudly serve over 800,000 customers nationwide through Equitable Bank, recognized as Canada’s Challenger Bank™ for more than 50 years. Our subsidiary, Concentra Bank, collaborates with credit unions across Canada, reaching more than six million members. Together, we manage over $142 billion in assets, committed to driving positive change in Canadian banking to enhance lives. Our EQ Bank digital platform has consistently ranked among Canada's top banks on the Forbes World's Best Banks list since 2021, thanks to our dedicated customers.Your RoleThe Director of Credit Risk will report directly to the Vice President of Credit Risk, playing a crucial role in guiding senior management on all facets of credit risk management at the Bank. This position is pivotal in developing and implementing credit risk strategies while overseeing various loan portfolios to ensure high-quality lending and effective risk mitigation practices.Key responsibilities include credit adjudication, governance, strategic initiatives, and fostering enterprise-wide relationships to promote a robust risk and credit culture across the Bank.

Join the Revolution in BankingAt Equitable Bank, we are not your typical bank; we strive to innovate and deliver unique banking solutions tailored for Canadians. Our mission is driven by a dynamic team of creative thinkers who are eager to disrupt the conventional banking landscape.If you are enthusiastic about shaping the future of banking while enjoying your work, this opportunity might be the perfect fit for you!With over 800,000 customers and more than 50 years of service, Equitable Bank, known as Canada’s Challenger Bank™, alongside its wholly-owned subsidiary Concentra Bank, supports credit unions serving over six million members. Together, we manage assets exceeding $142 billion, dedicated to transforming Canadian banking for the better.Your RoleThe Bilingual Residential Mortgage Underwriter, Specialized Credit will meticulously evaluate new mortgage applications, issue mortgage commitments, and gather necessary documentation to facilitate timely progression to the solicitor instruction phase. This role requires efficiency, sound lending judgment, and a commitment to exceptional service and profitability.

Join Clutch: Shaping the Future of Car Ownership At Clutch, we are dedicated to transforming the way individuals buy, sell, and own vehicles. Are you ready to make an impact? As Canada's premier platform for buying and selling cars, Clutch provides a seamless, digital-first experience. Customers can explore a vast selection of vehicles online, have their chosen car delivered directly to them, and benefit from our 10-Day Money-Back Guarantee for peace of mind. Looking to sell your car? We purchase over $3 million worth of vehicles daily, offering immediate, AI-generated quotes every 15 seconds. With Clutch, you get paid instantly—now that’s what we call convenience! Recognized for four consecutive years on The Globe & Mail’s list of Canada’s Top Growing Companies and consistently featured in Deloitte’s Technology Fast 50™ and Fast 500™, we are on the lookout for passionate, driven individuals to join our expanding team. Founded in 2017 and based in Toronto, Clutch is operational in Ontario, New Brunswick, Nova Scotia, and Prince Edward Island. Our esteemed investors include Altos Ventures, Canaan, FJ Labs, BrandProject, and Upper90. Discover more at clutch.ca. About the Consumer Financing Team: At Clutch, we are committed to creating an integrated car buying and ownership experience, with financing as a pivotal component. We are developing our consumer financing capabilities from scratch to provide customers with a straightforward and transparent approach to vehicle financing, while simultaneously supporting Clutch’s growth through a scalable and disciplined lending platform. In this role, you will significantly influence our lending strategy, risk framework, and operations as we bring this initiative to fruition. Your Role: We are seeking a Senior Manager for Credit & Risk to design and oversee the credit strategy and risk framework for Clutch’s consumer financing program. You will be responsible for determining how we assess risk, make credit decisions, appropriately price offers, and manage portfolio performance over time. This is a foundational role ideal for someone who thrives in ambiguity, is hands-on, and is adept at creating scalable credit systems that evolve with volume. As a key player, you will collaborate closely with the Director of Consumer Financing and work across departments—including Product, Engineering, Operations, Sales, and Customer Experience—to embed risk management into the customer journey, while establishing the monitoring, controls, and feedback mechanisms to ensure responsible performance management.

Join our dynamic team at System Canada Technologies as an IT Risk Analyst. In this pivotal role, you will be responsible for identifying, analyzing, and mitigating risks associated with our IT systems and processes. You will work closely with various departments to ensure compliance with regulatory requirements and enhance our cybersecurity posture. If you are passionate about technology and risk management, we want to hear from you!

About UsAt Passage, we envision a world where one's birthplace does not hinder the pursuit of dreams. We serve as more than just a financial support bridge; we connect families globally to transformative opportunities. Our commitment is to a future where talented students can chase their aspirations, regardless of their parents' financial situation.Our mission is clear and ambitious: by 2030, we aim to break down the obstacles that prevent bright minds from accessing the opportunities they rightfully deserve. Starting with financial hurdles, we are providing loans to international students and refugees, enabling them to seek superior education in Canada and opening doors not only for themselves but also for their families and generations to come.Note: We uphold an in-office working policy, and candidates must either reside in Toronto or be willing to relocate, committing to a five-day work week in the office.Your RoleWe are in search of a Credit Strategy Analyst to enhance and manage the operational engine that drives our growth. This role is not confined to back-office tasks; it offers a front-row seat to witness how strategy is transformed into execution. You will navigate operational workflows one day and engage in cross-functional brainstorming the next. Your responsibilities will include analyzing, optimizing, and developing systems to scale our mission and impact.If you are early in your career, eager to grow rapidly, and motivated by solving complex problems with a practical approach, this role is for you. We are looking for someone who excels in fast-paced environments, takes initiative, and desires substantial ownership—quickly. This is your opportunity to contribute to something impactful from the ground up, with a clear trajectory for growth.Key ResponsibilitiesOwn and Optimize Core Workflows: Manage operational processes such as loan application processing, underwriting, due diligence, and servicing, ensuring systems are audit-ready, precise, and consistently updated.Build Scalable Tools and Systems: Develop and enhance SOPs, dashboards, and internal tools to streamline workflows and boost team productivity while identifying operational bottlenecks and driving continuous improvements.Cross-Functional Collaboration: Work closely with teams across credit, finance, and operations to align strategies and enhance overall efficiency.

emcocorporation is hiring a Credit Analyst in Toronto. This position centers on evaluating creditworthiness and delivering insights that support financial decision-making. Role overview The Credit Analyst collaborates with teams across the company to review financial data and assess credit risk. Preparing clear, detailed reports and offering recommendations on credit solutions are key parts of this role. The work directly supports the company’s broader financial strategies. What you will do Analyze financial information to assess credit risk Work with multiple departments to gather and interpret relevant data Prepare comprehensive reports on findings Recommend credit solutions that align with company goals Location This role is based in Toronto.

Join Kumarans Systems Private Limited as a Business Analyst specializing in Market Risk, where your analytical skills will drive strategic decision-making and enhance our risk management framework. You will work collaboratively with cross-functional teams to identify and assess market risks, design models, and implement effective risk mitigation strategies. If you possess a keen eye for detail and a passion for data analysis, we invite you to apply for this exciting opportunity.

Who We AreAt Momentum Financial Services Group, we empower individuals by transforming the way financial services are provided to those in need. With over 40 years of experience, we are the driving force behind Money Mart—Canada's leading non-bank branch network and a champion of financial solutions for underrepresented communities.Our offerings range from short-term loans to money transfers and prepaid cards, connecting over a million customers annually with the funds they require, precisely when they need it.At MFSG, we collaborate across teams and disciplines to create impactful solutions that eliminate barriers, granting access to financial resources that may otherwise be unavailable. Whether you're tackling complex challenges, developing innovative systems, or crafting strategic initiatives, your contributions directly support real individuals and communities.

We are seeking an experienced Business Analyst specializing in Credit Card services to join our dynamic team. The ideal candidate should possess 6 to 12 years of experience in Retail Banking, with a strong background in the complete life cycle of back office operations for various banking products and services. Expertise in the Credit Card domain is essential.Key responsibilities include gathering requirements, documenting processes, and managing IT projects tailored for banks. A thorough understanding of Canadian Banking Regulations is crucial.Strong written and verbal communication skills are a must, with proven experience in liaising with senior management.

We are seeking a highly skilled Senior Business Analyst with a focus on Capital Market Risk Analytics, specifically in Liquidity Risk. The ideal candidate will possess around 10 years of relevant experience and a unique blend of expertise in risk modeling, risk analytics, risk software implementation, and software programming.The candidate must demonstrate substantial hands-on experience in developing risk models or quantitative risk analytics, combined with a solid understanding of financial products across retail banking, corporate banking, and capital markets. This knowledge should stem from working within risk, finance, or treasury functions in a large banking environment.Essential qualifications include at least one year of experience implementing liquidity risk solutions from renowned vendors such as Algorithmics or Sunguard, with a strong preference for familiarity with Algorithmics’ RiskWatch.Applicants should also have a theoretical grasp of basic financial and valuation models for bonds and swaps, along with the capability to model cash flows across various financial products. Additionally, candidates should be adept at creating shocks and scenarios for stress testing.A comprehensive understanding of regulatory requirements, including Basel, FSA, and OSFI for credit, market, operational, or liquidity risk, is a must. The candidate should have experience with at least one end-to-end implementation, ideally involving Basel 2 or Basel 3.Furthermore, a minimum of three years of IT experience in system implementation, programming, or software product development is required. The candidate will be responsible for writing data extraction specifications and creating database structures for efficient data storage and liquidity computations, while also engaging in testing data extracts, addressing data gaps, and validating reports and final figures.Knowledge of complex financial instruments such as derivatives, repurchase agreements, securitization products, leasing, fixed income, and various financial securities will be highly advantageous.Strong communication skills and financial/risk expertise are crucial for conducting meetings with senior members of Group Treasury, Finance, and Group Risk Management.We encourage candidates with a Bachelor's degree in a quantitative discipline (finance, economics, engineering, or mathematics) and significant experience in measuring/managing at least one financial risk type, preferably liquidity risk, to apply.

Become a Part of a Revolutionary Banking TeamAt Equitable Bank, we pride ourselves on challenging the traditional banking model. Our mission is to creatively deliver innovative banking solutions to Canadians. We achieve this through a dynamic team of inquisitive and agile thinkers who are dedicated to breaking the mold in the banking sector. If you are enthusiastic about transforming the future of banking while fostering a fun and engaging environment, this could be the perfect opportunity for you.With over 50 years of experience, we proudly serve more than 780,000 customers across Canada through our digital platform, EQ Bank. Recognized as one of the top banks in Canada on Forbes World's Best Banks list since 2021, our commitment to driving change in the industry is unwavering. Our wholly-owned subsidiary, Concentra Bank, supports credit unions serving over six million members, managing a combined asset base of over $138 billion.Your RoleJoin our enthusiastic and innovative commercial team as a Commercial Mortgage Underwriter! In this pivotal role, you will spearhead the underwriting process for both CMHC-insured and conventional commercial mortgages. Your expertise will help navigate established policies and underwriting standards with creativity and precision, ensuring compliance while working towards ambitious service goals and annual targets. In addition to underwriting, you will engage in credit-related duties, administrative tasks, and forge strong relationships with external business partners and internal teams.

We are seeking a skilled Business Analyst with a strong background in risk management to join our dynamic team at System Canada Technologies. In this pivotal role, you will leverage your analytical skills to assess and mitigate risks associated with various business processes. You will collaborate closely with cross-functional teams to identify risk factors, develop strategic responses, and implement effective monitoring systems. If you are passionate about risk management and have a proven track record of delivering results, we encourage you to apply and be part of our innovative company.

Equitable Bank’s Governance, Risk & Compliance team is hiring a Cyber Security Analyst in Toronto. This position plays a key role in identifying and managing information security risks across the organization, helping to ensure the bank’s technology risk profile stays within its defined risk appetite. What you will do Analyze and assess information security risks throughout the organization Put risk management processes into daily practice Maintain and update the risk register to ensure information is accurate and current Facilitate risk identification workshops with stakeholders from various teams Monitor risks and report findings to management promptly Support efforts to strengthen security across digital banking platforms Role focus This role centers on supporting risk management activities, working closely with teams across the bank to identify, assess, and communicate technology risks. The analyst’s work helps keep security measures aligned with business needs and regulatory expectations. Location This position is based in Toronto.

Become Part of a Revolutionary Financial MovementAt eqbank, we pride ourselves on being more than just a traditional bank. We embrace innovation and creativity to deliver exceptional banking solutions tailored for Canadians.How do we accomplish this? Through a dedicated team of forward-thinking professionals who are committed to challenging the status quo. If you are enthusiastic about transforming the banking landscape while enjoying your work, this might just be your ideal opportunity.As our organization continues to expand, we currently serve over 780,000 customers nationwide through Equitable Bank, Canada’s premier Challenger Bank™, with a legacy spanning over 50 years. Our subsidiary, Concentra Bank, provides essential support to credit unions across Canada, benefiting more than six million members. Together, we manage assets exceeding $138 billion, driven by a mission to innovate Canadian banking and improve lives. Our EQ Bank digital platform has consistently been recognized as one of Canada’s top banking services on the Forbes World's Best Banks list since 2021.Your RoleAs a key member of a vibrant commercial team, the Senior Commercial Underwriting Manager will oversee the underwriting of both construction and conventional commercial loans. This role requires strict adherence to established policies and underwriting standards, ensuring compliance while delivering timely and creative solutions to meet service goals and annual volume targets. Additional responsibilities include credit-related tasks, administrative duties such as reporting and pipeline management, and building relationships with external business partners as well as various internal departments within the Commercial division. This position is based in Toronto.

Join our dynamic team at System Canada Technologies as a Business Analyst / Solution Architect specializing in Commercial Lending and Risk Management. In this role, you will leverage your analytical skills and architectural expertise to design and implement innovative solutions that enhance our lending processes and risk management strategies. You will collaborate with cross-functional teams to identify business needs, develop comprehensive requirements, and produce effective solutions that drive organizational success.

Become a Pioneer in BankingAt Equitable Bank, we transcend traditional banking practices by innovating creative solutions tailored for Canadians. Our mission is to revolutionize the banking experience, and we achieve this through a dynamic team of curious and agile professionals dedicated to challenging the status quo. If you are driven by a passion for reshaping the future of banking while enjoying your work, this role may be your next significant opportunity.We are proud to serve over 780,000 customers across Canada through our flagship platform, EQ Bank, recognized as one of the top banks in Canada on the Forbes World's Best Banks list since 2021. With a legacy of over 50 years, Equitable Bank, along with its wholly-owned subsidiary, Concentra Bank, manages over $138 billion in assets and is committed to enhancing lives through innovative banking solutions.Your RoleAs the Commercial Underwriting Manager within our vibrant and solution-oriented commercial team, you will play a key role in underwriting conventional commercial mortgages, typically within the range of $5 to $7 million. You will uphold established policies and underwriting standards, ensuring compliance while delivering timely, creative, and service-oriented solutions that align with departmental goals and annual targets. Your responsibilities will also encompass credit-related tasks, pipeline management, and fostering relationships with brokers and external business partners, in collaboration with various teams within the Credit & Risk group.