# 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**: Finance

**Apply**: https://jobs.ashbyhq.com/jobber/8150bf28-1658-4a38-b5fc-3e0770966e60?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_eb7e2777-a4b

## Description

We are looking for a Senior Manager, Credit Risk to join our Fintech department.

Jobber exists to help people in small businesses be successful.

The Senior Manager, Credit Risk 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

- 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

- 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

- 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

- Partner with relevant teams on the credit side of funding the lending book

- Lead broader Fintech and Risk initiatives on credit-risk-relevant topics

- Own relationships with credit data and decisioning vendors

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

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

- Experience with modern payments or lending infrastructure

- Experience working with or evaluating AI/ML tooling or vendors for risk decisioning

## Skills

### Required
- SQL
- Python
- statistical and machine learning approaches
- IFRS9 or equivalent GAAP standards
- credit risk management
- data analysis

### Nice to have
- small business lending regulation
- credit scorecards
- AI/ML tooling
- modern payments or lending infrastructure

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Source: [Apply at jobs.ashbyhq.com](https://jobs.ashbyhq.com/jobber/8150bf28-1658-4a38-b5fc-3e0770966e60?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)