Key Responsibilities Credit Strategy & Underwriting Develop and optimize credit policies, underwriting rules, approval thresholds, credit limits, and pricing for personal loans. Conduct deep dive analysis on application fraud, firstparty risk, and early delinquency signals. Review complex manual underwriting cases and set escalation frameworks. Portfolio Monitoring & Risk Analytics Perform vintage analysis, roll rate analysis, and cohort forecasting to predict credit losses. Track core risk KPIs including but not limited to: approval rate, default rates, day past due, roll rates, and loss given default. Build automated dashboards and weekly/monthly risk MI for leadership and investors. Identify emerging risks, early warning indicators, and portfolio concentration; recommend mitigation actions. Conduct stress testing and scenario analysis under changing economic conditions. Testing & Optimization Design and measure A/B tests for credit rules, data sources, and customer segments. Evaluate new alternative data to improve predictiveness. Compliance & Governance Ensure alignment with local lending regulations, fair lending, and responsible lending standards. Support internal audit, risk reviews, and investor due diligence on credit policies and performance. Document policies, decision logs, and model governance materials. CrossFunctional Partnership Advise product and engineering on credit risk features and decision engine logic. Partner with operations to streamline verification and reduce friction. Support funding partners and capital markets with portfolio risk reporting. Required Qualifications & Experience Bachelor’s degree in Finance, Economics, Statistics, Mathematics, Business, or a quantitative field. 5–7 years of handson credit risk experience in personal loans, consumer finance, fintech, or NBFC/bank retail lending. Proven track record building credit strategies, or underwriting policies for lending business. Strong SQL and Excel proficiency; experience with Python/R or analytical tools (SAS, Tableau, Power BI) is required. Deep understanding of risk metrics: PD, LGD, EAD, vintage analysis, roll rates, loss forecasting. Experience with A/B testing, decision engines, and credit bureau data. Knowledge of regulatory compliance in consumer lending (local laws, data privacy, fair lending). Preferred Skills Exposure to alternative data and machine learning in credit decisioning. Strong stakeholder management and presentation skills. Experience in an Ontario fintech startup or high-growth alternative lender.