About the job
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.

