Credit Risk & Underwriting ManagerLocation: Vancouver, BC In Office Role **About VoPay International Inc.**VoPay’s Fintech-as-a-Service platform enables any business to embed financial services and payment capabilities into their existing applications, products, or services through a single, scalable API. Our integrated technology gives product managers and developers the flexibility and speed to build innovative financial solutions in a rapidly evolving industry.
About the Role: VoPay is seeking a senior leader to build and lead our credit risk and underwriting function across our embedded finance and payment operations. This role will be responsible for designing and implementing a scalable risk framework that enables VoPay to confidently onboard, assess, and manage customers and partners where financial exposure exists.The ideal candidate will combine banking-grade underwriting discipline with the agility required in a high-growth fintech environment.
Key Responsibilities: Build the Credit Risk & Underwriting Framework

• Design and implement VoPay’s end-to-end credit risk strategy

• Establish underwriting policies for enterprise clients, ISV partners, and transaction-based exposure scenarios

• Define risk tiers, exposure limits, and approval workflows

Customer & Partner Risk Assessment

• Lead underwriting for new and existing customers with exposure risk

• Develop models to assess financial strength, liquidity, cash flow, business model risk, and transaction behavior

• Introduce structured onboarding risk scoring aligned with financial institution standards

Exposure & Transaction Risk Management

• Define frameworks for funds-at-risk exposure, settlement risk, and prefunding vs. post-funding models

• Partner with Payments and Operations teams to reduce risk leakage

• Implement monitoring for ongoing exposure and threshold management

Policy, Governance & Compliance Alignment

• Align credit risk practices with regulatory expectations, banking partner requirements, and internal compliance standards

• Collaborate with Compliance on KYB, AML, and risk reviews

Tools, Models & Infrastructure

• Develop and implement credit scoring models, risk dashboards, and reporting tools

• Build automated underwriting workflows

• Work with Product and Engineering to embed risk into the platform

Team Leadership & Development

• Hire and scale a credit risk and underwriting team

• Establish review committees and approval structures

• Foster a disciplined, commercially aligned risk culture

Strategic Risk Advisory

• Advise leadership on risk appetite, new product launches, and market expansion

• Balance growth objectives with prudent risk management

The ideal candidate will have:

• 7+ years of experience in credit risk, underwriting, or financial risk management

• Proven track record building or scaling risk functions in fintech, payments, or banking

• Strong balance of risk discipline and commercial judgment

• Hands-on operator comfortable in fast-paced, ambiguous environments

• Experience working with banking partners and regulatory frameworks

• Data-driven with experience using models and analytics to inform decisions

Vopay International Inc. is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.