Who you are

• 5-7+ years of experience in financial risk management, with deep hands-on experience in retail credit risk analytics, loss forecasting, and/or treasury risk
• Education: A Bachelor’s or Master’s degree in a quantitative field (e.g., Mathematics, Statistics, Economics, Finance, Engineering) or equivalent practical experience
• Technical Expertise: Strong proficiency in SQL, Python, or SAS for data manipulation and modeling. Solid understanding of IFRS 9 standards and ECL methodologies
• Analytical Rigor: You can independently build complex models, perform root cause analysis, and quality-check your own work to a high standard
• Risk Knowledge: Familiarity with market and liquidity risk concepts, ALM (Asset Liability Management), and stress testing frameworks
• Communication: You can tell a story with data, clearly explaining technical risk concepts and their business implications to non-technical stakeholders
• Builder Mindset: You are comfortable working in a fast-paced environment where you often need to build tools and processes from scratch

What the job involves

• KOHO is looking for a Financial Risk Strategy & Analytics Manager to join our Risk team as a key individual contributor. In this role, you will be the analytical engine behind our financial risk management, owning the models, forecasts, and reporting that safeguard KOHO’s portfolio
• Working closely with Finance, Product, and Data teams, you will turn complex data into actionable insights, ensuring our growth is resilient and compliant
• Forecasting & Provisioning: Own the development and execution of short- and long-term delinquency and loss forecasting models. Calculate Expected Credit Loss (ECL) and drive the monthly provisioning process in strict accordance with IFRS 9 standards
• Stress Testing: Design and execute comprehensive stress testing scenarios to assess portfolio resilience under various scenarios
• Portfolio Monitoring: Lead the monitoring of portfolio health, identifying emerging trends and risks through rigorous analysis of internal performance data and external macroeconomic indicators
• Impact Assessment: Partner with Product and Marketing to assess the credit risk impact of new initiatives, quantifying potential effects on delinquency, losses, and provisions before launch
• Market & Liquidity Risk: Develop and maintain monitoring and reporting frameworks for non-credit financial risks, including interest rate, market, and liquidity risk. Perform a second line of defense role in understanding and challenging the data, models, and assumptions used in risk assessments
• Stress Testing: Execute stress tests for non-credit risks to ensure KOHO maintains adequate liquidity and capital buffers in line with regulatory requirements and internal risk appetite
• Reporting & Insights: Produce high-quality reporting for the Board and senior leadership, translating complex analytical results into clear, strategic recommendations
• Data Strategy: Collaborate with Data Analytics and Data Science to enhance data pipelines and infrastructure, identifying new data sources, and ensuring the integrity and availability of risk data
• Strategic Partnership: Work closely with Finance on capital planning and economic forecasting, and with Product to optimize credit strategies based on risk-adjusted returns

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