Top Benefits
Stock options
Semi-annual merit increases
Holiday bonus
About the role
Who you are
- Bachelor's degree in a quantitative field, economics, business, engineering, or equivalent
- 5+ years of experience in data analysis, strategy development, reporting and model building preferably in BFSI industry
- Experience with credit card products, revolving credit risk management, and consumer lending portfolios
- Knowledge of credit card regulations, compliance requirements, and industry best practices
- Experience with real-time decisioning platforms and Credit Decision Engine implementations
- Knowledge and experience in loan loss forecasting and loss provisioning
- Proficiency in Data Visualization tools such as Tableau, PowerBI, Sigma or similar to create informative dashboards
- Strong team player with excellent interpersonal, organizational, and communication skills
- Exceptional analytical and problem-solving abilities
- Organized multi-tasker with demonstrated expertise using tools to manipulate and prepare huge sets of data for analysis
- Ability to work independently and collaboratively within a team environment
- Proficient in programming languages such as SQL and Python
- Familiarity with data from monoline lenders or fintechs
- Experience with alternative data or Non-Prime lending
- Experience with cloud-based platforms such as AWS or GCP
What the job involves
- KOHO is looking for a dynamic Credit Risk Manager to join our growing team. Reporting to the Director of Credit Risk, this role will contribute to the overall success of the Risk Team at KOHO ensuring Credit Risk initiatives are executed and delivered in support of companies overall business strategies and objectives. This role offers a broad base of exposure in risk management, with an opportunity to make a significant impact within our organization
- Develop and produce weekly, monthly, and quarterly reports and dashboards detailing key financial and risk metrics at both product and portfolio levels
- Develop credit card-specific reporting frameworks including utilization tracking, revolving balance analysis, payment rate monitoring, and vintage performance dashboards to support portfolio management and regulatory requirements
- Track and evaluate the performance of Key Performance Indicators (KPIs) relevant to the business
- Extract insights from reports and communicate findings to the leadership team
- Represent the credit risk function and collaborate with key stakeholders (e.g., Product, Finance, Data, Engineering) to understand reporting requirements and improve reporting processes
- Predictive Modeling / Model Validation and Model Monitoring:
- Collaborate with predictive modellers to develop and implement credit risk models (behavioral/adjudication) in compliance with company policies
- Construct models for forecasting losses
- Monitor the performance/effectiveness of existing credit strategies and suggest edits, if and when required
- Strategy Development and Implementation:
- Actively participate in addressing business objectives and formulate and implement strategies for acquisition and account management
- Design credit card underwriting strategies including adjudication, CLI, CLD, and pre-approval strategies
- Lead credit card underwriting strategy implementation in Credit Decision Engine (CDE)
- Monitor the effectiveness of current credit strategies and enhance them by exploring new and alternative data sources
- Analysis:
- Unlock insights from complex and diverse groupings of internal and external data, and tell a story with the data that enables enlightened decision-making
- Conduct deep-dive analysis on credit card portfolio performance including utilization patterns, payment behaviors, and profitability drivers
- Analyze competitive landscape and industry benchmarks to inform credit card positioning and underwriting strategy
- Present findings to the leadership team
Benefits
- Stock options
- Semi-annual merit increases
- Holiday bonus
- Work from anywhere
- Generous PTO
- Health & Lifestyle spending accounts
- $1000 remote office setup budget
- $5000 referral bonus
- Free KOHO Premium account
- Icon Potential Alt Text
- In-house coaching program
- $2000 annual training allowance
- Approachable leadership
- Bias towards action
About KOHO
Financial Services
201-500
KOHO is one seamless platform for your money and life. Founded in 2014, we are a forward-thinking fintech company dedicated to financially empowering a generation of Canadians. With a Mastercard and innovative tools, we provide our users with the ability to earn, spend, borrow, build credit, and budget—all in one convenient app.
Driven by a genuine desire to help people make financial progress, KOHO has touched the lives of over 1.7 million users. Our mission is to make finance accessible, engaging, and user-friendly, ensuring that everyone has the resources they need to take control of their financial future.
We’re proud to offer a product that our users love, and we remain committed to innovating and evolving to meet their needs. Join us on this journey as we reshape personal finance in Canada.
Top Benefits
Stock options
Semi-annual merit increases
Holiday bonus
About the role
Who you are
- Bachelor's degree in a quantitative field, economics, business, engineering, or equivalent
- 5+ years of experience in data analysis, strategy development, reporting and model building preferably in BFSI industry
- Experience with credit card products, revolving credit risk management, and consumer lending portfolios
- Knowledge of credit card regulations, compliance requirements, and industry best practices
- Experience with real-time decisioning platforms and Credit Decision Engine implementations
- Knowledge and experience in loan loss forecasting and loss provisioning
- Proficiency in Data Visualization tools such as Tableau, PowerBI, Sigma or similar to create informative dashboards
- Strong team player with excellent interpersonal, organizational, and communication skills
- Exceptional analytical and problem-solving abilities
- Organized multi-tasker with demonstrated expertise using tools to manipulate and prepare huge sets of data for analysis
- Ability to work independently and collaboratively within a team environment
- Proficient in programming languages such as SQL and Python
- Familiarity with data from monoline lenders or fintechs
- Experience with alternative data or Non-Prime lending
- Experience with cloud-based platforms such as AWS or GCP
What the job involves
- KOHO is looking for a dynamic Credit Risk Manager to join our growing team. Reporting to the Director of Credit Risk, this role will contribute to the overall success of the Risk Team at KOHO ensuring Credit Risk initiatives are executed and delivered in support of companies overall business strategies and objectives. This role offers a broad base of exposure in risk management, with an opportunity to make a significant impact within our organization
- Develop and produce weekly, monthly, and quarterly reports and dashboards detailing key financial and risk metrics at both product and portfolio levels
- Develop credit card-specific reporting frameworks including utilization tracking, revolving balance analysis, payment rate monitoring, and vintage performance dashboards to support portfolio management and regulatory requirements
- Track and evaluate the performance of Key Performance Indicators (KPIs) relevant to the business
- Extract insights from reports and communicate findings to the leadership team
- Represent the credit risk function and collaborate with key stakeholders (e.g., Product, Finance, Data, Engineering) to understand reporting requirements and improve reporting processes
- Predictive Modeling / Model Validation and Model Monitoring:
- Collaborate with predictive modellers to develop and implement credit risk models (behavioral/adjudication) in compliance with company policies
- Construct models for forecasting losses
- Monitor the performance/effectiveness of existing credit strategies and suggest edits, if and when required
- Strategy Development and Implementation:
- Actively participate in addressing business objectives and formulate and implement strategies for acquisition and account management
- Design credit card underwriting strategies including adjudication, CLI, CLD, and pre-approval strategies
- Lead credit card underwriting strategy implementation in Credit Decision Engine (CDE)
- Monitor the effectiveness of current credit strategies and enhance them by exploring new and alternative data sources
- Analysis:
- Unlock insights from complex and diverse groupings of internal and external data, and tell a story with the data that enables enlightened decision-making
- Conduct deep-dive analysis on credit card portfolio performance including utilization patterns, payment behaviors, and profitability drivers
- Analyze competitive landscape and industry benchmarks to inform credit card positioning and underwriting strategy
- Present findings to the leadership team
Benefits
- Stock options
- Semi-annual merit increases
- Holiday bonus
- Work from anywhere
- Generous PTO
- Health & Lifestyle spending accounts
- $1000 remote office setup budget
- $5000 referral bonus
- Free KOHO Premium account
- Icon Potential Alt Text
- In-house coaching program
- $2000 annual training allowance
- Approachable leadership
- Bias towards action
About KOHO
Financial Services
201-500
KOHO is one seamless platform for your money and life. Founded in 2014, we are a forward-thinking fintech company dedicated to financially empowering a generation of Canadians. With a Mastercard and innovative tools, we provide our users with the ability to earn, spend, borrow, build credit, and budget—all in one convenient app.
Driven by a genuine desire to help people make financial progress, KOHO has touched the lives of over 1.7 million users. Our mission is to make finance accessible, engaging, and user-friendly, ensuring that everyone has the resources they need to take control of their financial future.
We’re proud to offer a product that our users love, and we remain committed to innovating and evolving to meet their needs. Join us on this journey as we reshape personal finance in Canada.