# Senior Manager, Credit Risk

**Company**: Jobber
**Location**: Remote
**Work arrangement**: remote
**Experience**: senior
**Job type**: full-time
**Salary**: $124,530 - $204,585 per year
**Category**: Finance
**Industry**: Technology

**Apply**: https://jobs.ashbyhq.com/jobber/554b637a-80e3-4527-be60-65b4f4ea973b?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_a6f263ba-dc7

## Description

We are seeking a Senior Manager, Credit Risk to join our Fintech department at Jobber. As a Senior Manager, Credit Risk, you will lead and grow a team of Credit Risk Analysts, owning the day-to-day operations of the credit risk function while helping build it into something more ambitious: an AI-native credit risk practice.

Responsibilities:

- Lead, coach, and grow a team of Credit Risk Analysts

- Own credit risk operations end-to-end: underwriting and exposure decisions, portfolio monitoring, collections and recovery strategy, and loss forecasting

- Define and maintain Jobber's credit risk appetite, credit policy, and limit framework

- Partner closely with Data Science and Risk Analytics to build, validate, and improve credit risk models and decisioning logic

- Champion an AI-native approach to credit risk management

- Set the multi-year roadmap for the credit risk function across people, models, data, and tooling

- Build and strengthen the credit risk function for Jobber's payments business today, and design and own the credit risk framework for a growing lending business

- Work cross-functionally with Fintech, Product, Finance, Legal, Compliance, and Customer Support teams to embed credit risk policy and controls into product and operational workflows

- Make sure credit policy and decisioning meet applicable Canadian and US requirements

- Own credit loss provisioning and stress testing

- Report on credit risk exposure, portfolio health, and emerging trends to Fintech and Risk leadership, the executive team, and credit or risk committees

Requirements:

- 8+ years of experience in credit risk, in financial services, fintech, payments, or lending

- A track record of setting and owning credit policy, risk appetite, and limit frameworks

- Experience managing a credit portfolio through a period of stress or a full credit cycle

- A builder's mindset: a track record of solving problems through automation and tooling

- A deeply data-centric approach to decision-making

- Proficiency in SQL and Python

- Working familiarity with statistical and machine learning approaches used in credit risk management

- Hands-on experience with IFRS9 or equivalent GAAP standards

- Strong written and verbal communication skills

## Skills

### Required
- SQL
- Python
- statistical and machine learning approaches
- IFRS9
- credit risk management

### Nice to have
- working knowledge of small business lending regulation in Canada or the US
- familiarity with credit scorecards
- experience building or overseeing credit risk models or policies for a lending product

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Source: [Apply at jobs.ashbyhq.com](https://jobs.ashbyhq.com/jobber/554b637a-80e3-4527-be60-65b4f4ea973b?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)