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About the Role
Lead and grow a team of Credit Risk Analysts, owning the day-to-day operations of the credit risk function while building an AI-native credit risk practice for Jobber Payments and a growing lending business. This role is for a builder who looks at manual processes and asks how they can be automated, modeled, or systematized.
Responsibilities
- Lead, coach, and grow a team of Credit Risk Analysts, setting the standard for how the team investigates, decisions, and communicates credit risk.
- Own credit risk operations end-to-end: underwriting and exposure decisions, portfolio monitoring, loss forecasting, and reporting on credit risk performance and trends.
- Partner closely with Data Science and Risk Analytics to build, validate, and improve credit risk models and decisioning logic, including scorecards, statistical models, and machine learning approaches.
- Champion an AI-native approach to credit risk management using AI and automation to build novel solutions.
- Build and strengthen the credit risk function for Jobber's payments business and lay the groundwork for credit risk management of a growing lending business.
- Work cross-functionally with Fintech, Product, and Customer Support teams to embed credit risk policy and controls into product and operational workflows.
- Develop a credit risk provisioning process and reserving practices building from IFRS9 or equivalent GAAP standards, partnering with Finance and Accounting.
- Identify opportunities to automate manual credit risk processes and drive them from idea through to implementation.
- Report on credit risk exposure, portfolio health, and emerging trends to Fintech and Risk leadership.
- Support broader Fintech and Risk initiatives on credit-risk-relevant topics, including vendor evaluations and new product launches.
Requirements
- Demonstrated experience in credit risk, in financial services, fintech, payments, or lending, including people leadership or mentorship of an analyst team.
- A builder's mindset with a track record of solving problems through automation and tooling, and enthusiasm for using AI to build new approaches to credit risk.
- A deeply data-centric approach to decision-making, with comfort working directly in the data.
- Proficiency in SQL and Python (or a similar language) to independently pull, analyze, and interrogate data and collaborate with Data Science and Analytics.
- Working familiarity with statistical and machine learning approaches used in credit risk management (e.g., logistic regression, decision trees, gradient boosting).
- Familiarity with IFRS9 or equivalent GAAP standards (e.g., CECL) for credit loss provisioning, or a strong ability to learn and apply this quickly.
- Strong written and verbal communication skills, with the ability to translate technical or quantitative findings into actionable decisions.
- A genuine passion for fintech, and curiosity about how payments and lending products should manage risk differently than legacy financial institutions.
- The ability to embrace ambiguity and change, comfortable improving processes proactively.
- The ability to work autonomously with strong time management skills.
- Familiarity with credit scorecards, including scorecard development, calibration, or monitoring.
- Experience building or overseeing credit risk models or policies for a lending product (installment loans, lines of credit, merchant cash advances, or similar).
- Experience with modern payments or lending infrastructure (e.g., Stripe, Adyen, Plaid, or similar).
- Experience working with or evaluating AI/ML tooling or vendors for risk decisioning.
- Familiarity with Slack, Salesforce, Asana, Confluence, or other collaboration tools.
Skills
- SQL
- Python
- Statistical modeling
- Machine learning
- Credit risk management
- Credit loss provisioning
- IFRS9
- GAAP
- CECL
- Credit scorecards
- AI
- Automation
Location
- Edmonton
- Toronto
- Vancouver
- Kitchener-Waterloo
Work Type
- Remote
- Hybrid
Experience Level
- Manager
Salary/Compensations
- $121,000 - $163,600
Benefits
- Equity rewards
- Annual stipends for health and wellness
- Retirement savings matching
- Extended health package with fully paid premiums for body and mind
- Dedicated talent development program
- Career coaching
- Opportunities for career development
- Stock options
- Matching in RRSP, TFSA or FHSA
About the Company
- Jobber exists to help people in small businesses be successful by providing technology to transform the way service is delivered.
- Jobber works with small home service businesses, like plumbers, painters, and landscapers, to help them quote, schedule, invoice, and collect payments.
- Jobber's culture of transparency, inclusivity, collaboration, and innovation has been recognized by Great Place to Work, Canada’s Most Admired Corporate Cultures, and more.
- Jobber has been named on the Globe and Mail’s Canada’s Top Growing Companies list, and Deloitte Canada’s Technology Fast 50™, Enterprise Fast 15, and Technology Fast 500™ lists.
- Fintech is one of the fastest-growing parts of Jobber and a core strategic priority.
- Jobber believes embedding financial tools within its product deepens its ability to help small businesses be successful.
- The Risk team is a critical part of the broader Fintech team and core to Jobber's success.
- Credit Risk is responsible for the frameworks, models, and operational discipline that allow Jobber to extend payments and lending products responsibly.
- Jobber is transforming the way service is delivered, bringing tens of thousands of people together with technology to deliver billions of dollars a year in services.
Equal Opportunity
- We believe that diverse teams perform better and that fostering an inclusive work environment is a key part of growing a successful team.
- We welcome people of diverse backgrounds, experiences, and perspectives.
- We are an equal opportunity employer, and we are committed to working with applicants requesting accommodation at any stage of the hiring process.