Senior Manager, Credit & Risk for Consumer Financing

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.

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.

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 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.

About Clutch At Clutch, we are dedicated to transforming the way individuals buy, sell, and own vehicles. Are you ready to be part of this exciting journey? As the largest car buyer and seller in Canada, Clutch provides a unique digital-first experience, allowing customers to explore thousands of vehicles online, have their selections delivered directly to their homes, and enjoy peace of mind with our 10-Day Money-Back Guarantee. Looking to sell your vehicle? We purchase over $3 million worth of cars daily, offering instant, AI-generated offers every 15 seconds. Selling to us means immediate payment—now that’s the Clutch way! For four consecutive years, we've been featured on The Globe & Mail’s list of Canada’s Top Growing Companies, and have achieved back-to-back recognitions on Deloitte’s Technology Fast 50™ and Fast 500™. We are in search of curious, driven, and hardworking individuals to join our expanding team. Founded in 2017 and headquartered in Toronto, Clutch operates across Ontario, New Brunswick, Nova Scotia, and Prince Edward Island. Our esteemed investors include Altos Ventures, Canaan, FJ Labs, BrandProject, and Upper90. To learn more, visit clutch.ca. Consumer Financing at Clutch: We are on a mission to create a seamless car buying and ownership experience, with financing being a pivotal element in this journey. We are developing our consumer financing capabilities from the ground up to provide customers with a straightforward, transparent method for financing their vehicles, while supporting Clutch’s growth with a scalable and disciplined lending platform. In this role, you will contribute to shaping our lending strategy, risk management framework, and operations as we bring this innovative business to fruition. About the Role: We are looking for an experienced and entrepreneurial Head of Consumer Financing to lead and scale Clutch’s financing operations. This position will be instrumental in building our lending infrastructure, crafting credit strategies, and optimizing portfolio performance. You will play a vital role in defining the future of auto financing in Canada by developing strategies that enhance loan performance, strengthen customer relationships, and promote sustainable growth. This is a unique opportunity for a builder—someone who thrives in dynamic environments and is eager to create something innovative from the ground up. What You’ll Do: Lending Strategy & Originations: Spearhead the development and execution of lending strategies that enhance origination volume, funding efficiency, and credit quality. Establish and refine underwriting criteria, pricing strategies, and...

About Clutch At Clutch, our mission is to transform the way individuals buy, sell, and enjoy their cars. Are you ready to join us? As Canada's leading marketplace for buying and selling vehicles, Clutch provides a digital-first, seamless experience. Customers can explore thousands of cars online, have their selected vehicle delivered directly to their doorstep, and benefit from our 10-Day Money-Back Guarantee. Looking to sell your car? We purchase over $3 million worth of vehicles each day, offering AI-generated quotes every 15 seconds—and when you sell to us, you receive instant payment. That’s the Clutch promise. For four consecutive years, we’ve been recognized in The Globe & Mail’s list of Canada’s Top Growing Companies, along with achieving back-to-back mentions in Deloitte’s Technology Fast 50™ and Fast 500™. We’re on the lookout for curious, dedicated, and ambitious individuals to join our expanding team. Founded in 2017 and headquartered in Toronto, Clutch operates in Ontario, New Brunswick, Nova Scotia, and Prince Edward Island. Our esteemed investors include Altos Ventures, Canaan, FJ Labs, BrandProject, and Upper90. For more information, visit clutch.ca. Consumer Financing at Clutch: Clutch is committed to creating a truly seamless car buying and ownership experience, with financing playing a crucial role in this journey. We are developing our consumer financing capabilities from scratch to provide customers with a straightforward and transparent way to finance their vehicles, while also supporting Clutch’s growth with an efficient, scalable lending platform. In this role, you will help define our lending strategy, risk framework, and operations as we launch this new business unit. About the Role: We are seeking an Operations Manager in Consumer Financing to establish and expand the operational framework behind Clutch’s lending program. This role involves a high level of ownership and requires a hands-on approach to manage key processes, tackle complex challenges, and enhance our systems as we grow. You will collaborate closely with the Director of Consumer Financing and work cross-functionally with teams in Sales, Product, Data, and Finance to build and scale Clutch’s consumer financing business. You will be responsible for the day-to-day execution of core workflows, drive continuous improvements, and help develop the necessary playbooks and tools for scaling. This is an exciting opportunity for someone who thrives in a dynamic environment, embraces uncertainty, and is eager to contribute to building something significant from the ground up.

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.

We are seeking a dynamic and experienced Finance & Risk Management Manager to join our team at sia. In this pivotal role, you will oversee and enhance our financial operations while identifying and mitigating risks to ensure the stability and growth of our organization. You will lead a talented team, develop strategic financial plans, and implement robust risk management frameworks to safeguard our assets.

Join our dynamic team at sia as an Associate Manager in Finance & Risk Management. In this role, you will be pivotal in enhancing our financial strategies and managing risk effectively. We are looking for a proactive leader who thrives in a fast-paced environment and is ready to tackle challenges head-on. Your insights will directly contribute to our strategic objectives and help shape the future of our financial operations.

Join EQ Bank as a Senior Manager of Risk Transformation, where you will play a pivotal role in reshaping our risk management framework. In this influential position, you will lead initiatives that enhance our risk assessment processes, ensuring our operations are aligned with industry standards and best practices. Your strategic vision and leadership skills will drive transformative change, enabling us to navigate risk effectively while maximizing opportunities for growth.

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.

Role overview Capco is hiring a Senior Leader for its Cyber Risk Management practice in Toronto. This senior consulting role centers on expanding and improving cybersecurity and technology risk services for clients in the financial services sector. The Senior Leader will advise senior executives such as CISOs, CROs, and CIOs, guiding them through the complexities of cyber and technology risk management in a shifting regulatory and threat landscape. The position combines strategic leadership, client advisory, and hands-on execution to deliver measurable outcomes. What you will do Client advisory and engagement: Act as a trusted advisor to senior client stakeholders on cybersecurity strategy, governance, risk management, and regulatory compliance. Lead complex consulting projects from planning through delivery, and provide insights on industry trends and best practices. Practice leadership: Drive the growth of Capco’s Cyber Risk Management offerings, focusing on cyber and technology risk management, third-party cyber risk, and cyber strategy, governance, and delivery. Delivery excellence: Oversee multidisciplinary teams delivering cyber programs in areas like identity and access management, vulnerability management, application and data security, and third-party risk. Ensure projects align with client goals, budgets, timelines, and quality standards. Business development: Contribute to thought leadership, develop service offerings, and create marketing materials to strengthen Capco’s presence in cyber risk management. Mentor consulting talent and support business development through proposals, solution designs, and executive presentations. Requirements 8-10+ years of progressive experience in cybersecurity, technology risk, or cyber consulting, preferably within financial services. Demonstrated success leading cyber risk management programs and initiatives.

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 a Trailblazer in BankingAt Equitable Bank, we pride ourselves on being more than a traditional banking institution. Our mission is to innovate and provide unique banking solutions that cater to the diverse needs of Canadians.How do we achieve this? By fostering a talented and dynamic team of curious individuals who are dedicated to challenging the norms of banking. If you are excited about reshaping the future of banking and enjoy working in a collaborative environment, this could be the perfect opportunity for you.With over 50 years of experience, Equitable Bank serves more than 800,000 customers across Canada through its EQ Bank platform, recognized as one of the top banks on the Forbes World's Best Banks list since 2021. Our wholly-owned subsidiary, Concentra Bank, further strengthens our impact by supporting credit unions that collectively serve over six million members. Together, we manage over $142 billion in assets, with a commitment to driving meaningful change in the Canadian banking landscape to enhance the lives of our customers.Your RoleAs the Manager of Operational Risk Management, you will play a pivotal role in developing and implementing a robust operational risk management program across Equitable Bank. You will provide independent oversight and effective challenge as the second line of defense, ensuring that the Bank operates within its defined operational risk appetite.

Join our dynamic team as a Senior Consultant in Risk & Compliance (ORM) at sia, where your expertise will drive innovative solutions. You will collaborate with clients to assess risks and ensure compliance with industry standards, enhancing their operational resilience. This role demands a strategic mindset and the ability to translate complex risk scenarios into actionable recommendations.

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.

About Us:At Financeit, we are a leading provider of point-of-sale financing, catering to some of the most prominent home improvement and retail organizations across Canada. Our innovative platform empowers businesses to enhance their sales capabilities by providing customers with attractive monthly payment options for significant purchases, whether it's a home improvement project, vehicle acquisition, or retail shopping.We foster an environment where your contributions truly matter. With a culture grounded in collaboration, inclusivity, fairness, and respect, Financeit is not just a workplace; it's a community. If you resonate with our values and are eager to make a meaningful impact, we invite you to explore this opportunity with us.Position Overview:Are you passionate about leveraging data and technology to simplify complex challenges? Do you have a keen interest in the realms of indirect consumer lending, capital markets, and fintech? If so, this role is tailored for you! As the Senior Manager of Commercial & Channel Risk Strategy, you will be pivotal in shaping risk management strategies for our key verticals, focusing on home improvement and powersports lending.Reporting to the Director of Risk Strategy, you will spearhead initiatives to develop robust channel risk management frameworks, optimize profitability, and mitigate risk across our product offerings, including multi-stage project financing. Your exceptional analytical skills and strategic mindset will be essential as you navigate this dynamic landscape.If you possess outstanding collaboration and communication skills, along with a sense of fun, we want to hear from you!

What We’re Looking ForAre you a proactive and analytical finance expert? Phoenix is seeking a Senior Finance Manager who excels in navigating financial complexities and is passionate about establishing scalable financial frameworks. This pivotal role is ideal for someone who prioritizes precision, robust controls, and transparent data, and is eager to influence the growth trajectory of Phoenix.In this position, you will oversee our accounting, tax planning, insurance, and inventory management processes from start to finish, ensuring accuracy in our financials, efficiency in our processes, and adaptability in our systems to match the pace of a dynamic and operationally intricate business environment. You will collaborate closely with the CFO to facilitate informed, data-driven decisions and play a vital role in the forecasting framework.Your role will require cross-departmental collaboration with our Operations and Pharmacy teams to guarantee the seamless flow of financial data across inventory, payments, payroll, and accounting systems. Additionally, you will manage accounting functions across multiple entities, spearheading intercompany accounting and reconciliations to support coherent, consolidated reporting as we expand.What You’ll DoLead and mentor Phoenix’s bookkeeping teamOversee all aspects of Phoenix’s accounting operations, including financial reporting, controls, operational finance, tax compliance, and audit preparationManage accounting across multiple legal entities, including intercompany transactions, reconciliations, and eliminationsSupervise inventory accounting, including valuation, reconciliation, reserves, and cost of goods sold analysisEnhance and adapt financial and accounting systems to support growth and complexityDevelop, document, and implement accounting policies and procedures to maintain strong internal controlsPrepare monthly, quarterly, and annual financial statements in compliance with ASPELead the annual audit process and act as the main liaison for external auditorsOversee accounts receivable, accounts payable, payroll, expense reimbursements, and the monthly close processCollaborate with external tax advisors to manage income tax, sales tax, and other compliance filingsAssist in budgeting, forecasting, and variance analysis in close collaboration with FP&A and department leadersEvaluate financial results, trends, margins, costs, and inventory performance, providing clear insightsSupport supply and demand forecasting with a focus on inventory efficiency and working capital optimization

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.

About IBUInternational Business University (IBU) is Ontario's pioneering independent not-for-profit university. With Ministerial consent for full accreditation obtained in 2020 and DLI approval in 2023, IBU stands as Ontario's sole not-for-profit independent university. Our foundation is inspired by the world's most prestigious independent universities, establishing a 'next generation' model characterized by innovation, agility, and responsiveness. IBU is dedicated to being a truly student-centric, industry-aligned institution, employing best practices to cultivate the future talent relevance of tomorrow. Our commitment to curricula and learning experiences integrates rigorous academic preparation with practical skill development, reflecting emerging technologies and the evolving needs of society and the global workforce.Job Title: Manager of Pathways & Transfer CreditsTerm: Full-time, IndefiniteDepartment: Office of the RegistrarReports to: RegistrarLocation: Toronto, OntarioExpected Salary Range: $75,000.00 – $80,000.00 annuallyThe Manager of Pathways & Transfer Credits plays a pivotal role in identifying, developing, and managing academic pathways and articulation initiatives with Ontario colleges and universities while also supporting international pathway projects.