79 Credit Management jobs in Canada

Job Description

Salary:

ABOUT HELCIM

Helcim was founded with a mission at heart: to be the worlds most loved payment system. We believe that by offering small businesses in North America a decidedly human payment solution where it is easier to sign up and use while being transparent and affordable, we can empower them to grow and prosper. Simply put, helping small businesses thrive is at the very core of our business model, and we think thats a great way to do business.

From the very start, we knew that we wanted to be different from every other credit card processor out there. We want the merchants we serve to feel supported and see us as a trusted partner rather than simply just another cost of doing business. We are relentless in our pursuit to provide a radically transparent and honest payments solution that flat out saves business owners money, all while treating them like human beings.

THE POSITION
Helcim is searching for a talented and passionate Manager of Credit Risk to join us on our mission to become the worlds most loved payments company.

As our Manager of Credit Risk, you will lead a team to manage the risk of onboarding new merchants and monitoring our established merchant base to help businesses access our platform for affordable payments. You will use your knowledge to develop and optimize credit strategies, frameworks, and work with cross-functional teams to manage our credit risk at scale while preserving a quality, human focused experience that encourages our customers to grow with us.

A SUCCESSFUL CANDIDATE

• Develops the framework and strategies that incorporate our AI products to evaluate and manage merchants boarding and processing on our platform that balances business growth against their risk.
• Owns the performance of the credit risk domain driving continuous improvement in our practices.
• Leads and develops a high performing team of Credit Risk Analysts fostering a culture of excellence, collaboration, and continuous improvement.
• Adjudicates on complex applications where escalated support is needed.
• Monitors the performance of our portfolio to proactively identify new risks.
• Defines and executes initiatives in close collaboration with key internal partners across data, product, and software development for improving and iterating how we manage credit risk.
• Helps develop long term plans and a strategy for mitigation of financial risk across our full suite of current and future products.
• Monitors and ensures compliance with organizational, business, strategic, operational, legal, reputation and market risks where applicable.
  
  

KEY COMPETENCIES

• 5+ years of experience in credit risk management, underwriting, analytics experience acquired in the financial industry, or a related area will be considered.
• Experienced professional with a proven track record of leading teams that balance operational excellence and business delivery.
• Demonstrated ability to thrive in a fast-paced environment where youve had to build processes from scratch and iterate on them based on new findings.
• A Bachelor's degree or higher education in Finance, Economics, or a related field.
• Relevant professional certifications (e.g., CFA, FRM) are a plus.
• Experience and knowledge of credit analysis frameworks, commercial credit underwriting, financial risk modeling, orcash flow forecasting.
• Excellent communication skills, both written and verbal, to effectively convey credit insights and strategies.
• Experience using SQL or other data processing languages is an asset.
• Experience in payments, ecommerce, or the fintech space is an asset.

HELCIM CULTURE IS;

Being builders: We build things ourselves and we build them well. We use technology and our creativity to overcome challenges that would seem beyond the capability of a company our size. We improve what is already there, invent our way out of problems and we never stop dreaming of better.

Choosing the harder path: We believe that the right decisions are usually the harder ones, so we embrace the challenge and endure when others quit. We choose what is difficult because it is more rewarding in the long-term, and makes us resilient, so that we not only survive but thrive.

Creating trust: We earn trust by striving to be our best selves every day and by lifting those around us. We recognize that trust is hard to earn, easy to lose and is tested continuously over time, so we make trust our way of life.

Contributing to a company of many: We are stronger because of our collective passion, diversity, and fellowship. We believe only great teams can accomplish great things, and we ask the very best of each other. Together we create our own future.

WORKING AT HELCIM

Joining Helcim means joining a fast-growing company where we have found coming together makes us a strong company. We have a drive to achieve big things which creates amazing opportunities for everyone willing to work hard and contribute to that growth - opportunities for faster career growth, for more learning, more impact, and accelerated experience - all while surrounding yourself with incredible people working on interesting problems and delivering great results.

Here are some of the reasons we attract such great people:

The Way of the Helcim: At Helcim, we build a team of engaged, caring and intelligent people. In return we provide an environment where you can be excited to come to work each day and tackle these challenges with an amazing team. Learn more about Helcims unique culture and environment in our culture book The Way of the Helcim.

Health and dental benefits: Through our Group Benefits, youll get access to dental benefits, extended healthcare benefits for drugs, vision, paramedical coverage (e.g. massage therapists, dieticians, mental health professionals), counseling, health service navigation, life insurance, critical illness and disability insurance, and more. All of these benefits come into effect on Day 1 of employment!

Dedicated Health Spending Account (HSA): An additional budget available for you to spend on health-related expenses (e.g. eyeglasses, therapy).

Maternity and Parental Leave: To help launch our team members into this phase of family life we have some additional benefits in place including salary top for the birthing parents and a bonding break for non-birthing parents.

Stock Options: Stock options enable our team to purchase Helcim shares at a future date at a specified price. Every team member, not just people leaders and executives receive equity (aka ownership in the company).

Vacation Time: All team members get paid vacation time and a company break in December so they can recharge when they need it.

Flexible work location: Work and life happens at different times and places. This is why our team enjoys the flexibility of hybrid work and flexibility around hours of work, so we can all do our best work. Our hybrid work schedule offers flexibility to work from home on Tuesdays and Thursdays. Furthermore, our core hours give team members flexibility to manage other parts of their lives.

Training: Helcim will cover 50% of the applicable training costs of up to $500 per year.

LOGISTICS
Job type: Full-time
Hiring manager: Michael Nar
Location: Hybrid, In Office Monday's, Wednesday's + Friday's

Candidates must be eligible to work in Canada and be located in Calgary for this position.

Job Description

VP Credit Risk & Analytics

Cambridge ON

With over $1Billion in loans funded, our client has helped hard-working Canadians with personalized money solutions with more flexibility than traditional banks across both its retail and digital channels. They are a member of the Canadian Consumer Finance Association, fully licensed lender with 110+ branches across Ontario. The company believes their customers deserve clear, understandable loan terms and therefore encourage fair and fully disclosed lending practices. The company is on a National growth path, working to digitize the end to end consumer lending experience.

About The Role:

The successful candidates will play an instrumental role assisting with the development of the company's strategy to enhance its Credit Scoring capabilities and exponentially grow its consumer loan portfolio, in branch and digital.

This role will support the development, enhancement and monitoring of all credit scores used in the entire lifecycle of credit: Acquisitions, Adjudication, Credit Limit Assignment, Portfolio Management, Collections, Fraud, Loss Forecasting.

The successful candidate will bring strong statistical knowledge and experience in a credit risk environment with a proven track record of working with other business leaders from across the organization to drive analytically based strategies.

Qualifications:

• 5+ years of experience within consumer lending environment
• Experience building predictive models, regression modeling, credit modelling for auto adjudication, decision trees, logistics regression, etc.
• Experience with R, Matlab, Python or Base SAS.
• Demonstrated understanding of credit scores and, their use in business strategies, post implementation use, and monitoring
• Knowledge of automated decision engines (helped automating decision engines for different clients)
• Strong project management and communication skills
• Proven analytical and conceptual thinker who can adapt to a rapidly changing environment
• Demonstrated ability in working within team and collaborating with multiple stakeholders to understand issues and solve problems
• Ability to distill and communicate complex analytic recommendations to both technical and non-technical stakeholders, both orally and in written presentations
• Educational backgrounds in Applied Statistics, Computer Science, Risk Management, Financial Engineering, Statistical Modelling

Job Description

Job Title: Credit Risk Modeling Consultant

We are seeking multiple Credit Risk Modeling Consultants with expertise in credit risk model development and validation. This role involves analyzing risk patterns, optimizing credit frameworks, and ensuring regulatory compliance.

• Develop and validate credit risk models, including PD, LGD, and EAD.

• Ensure compliance with IFRS 9, AIRB, and CCAR regulations.

• Analyze large datasets to identify trends and improve risk assessment.

• Provide insights on credit scoring, underwriting, and portfolio risk.

• Enhance credit risk frameworks and lending strategies.

• Effectively communicate complex models to non-technical stakeholders.

• Document findings and recommendations.

• Credit Risk & Modeling: Proven experience in credit risk assessment.

• Model Validation: Expertise in model testing and regulatory compliance.

• Programming Proficiency: Strong skills in SAS, Python, R, or Excel.

• Data Analysis: Ability to work with structured and unstructured data.

• Communication: Strong written and verbal communication skills.

• Advanced degree in Finance, Economics, Statistics, Mathematics, or a related field.

• Familiarity with statistical analytics, IFRS 9, AIRB, and CCAR frameworks.

Please include any relevant certifications, technologies, or tools you have worked with.

Even if you don’t fully meet every requirement, we will still be open to review your application. We value diverse expertise and perspectives that drive innovation.

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Job Description

Company Description

Visa is a world leader in payments and technology, with over 259 billion payments transactions flowing safely between consumers, merchants, financial institutions, and government entities in more than 200 countries and territories each year. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive while driven by a common purpose – to uplift everyone, everywhere by being the best way to pay and be paid.

Make an impact with a purpose-driven industry leader. Join us today and experience Life at Visa.

The US Deal team is a function in Finance responsible for providing financial analysis and deal pricing expertise to compete for client brand decisions. The team is responsible for providing deal support for Visa’s largest book of business globally. This includes end-to-end deal execution in collaboration with various stakeholders and cross functional teams. The team is critical to delivering against Visa's revenue and business objectives and highly visible to executive leadership.

This role is responsible for the development of detailed financial models and analyses to structure client incentive deals, utilizing and producing different financial outputs as appropriate (including Visa P&L, projected cash flow and amortization schedules). The Director will collaborate and partner with Visa’s Sales and Legal teams to provide support and direction regarding appropriate contract structures and terms. In addition, they will participate in the resolution of financial structure and contractual issues during negotiations with clients and provide financial leadership across a subset of our client deals, in support of Visa's revenue / business objectives alongside various business partners, including:

• Structuring client / Visa negotiated commitments and associated pricing.
• Supporting sales in negotiation and execution of deals.
• Reviewing and approving contracts / client incentive agreements.
• Ensuring Visa meets critical financial, contractual, and regulatory commitments.
• Supporting deal strategy to meet Visa’s long term goals.
• Drive on the most complex and strategic deals – Own the development of detailed financial models and analyses to structure client incentive deals, utilizing and producing different financial outputs as appropriate (including Visa P&L, projected cash flow and amortization schedules).

Advance Visa’s multi-year growth aspirations as a Strategic Deal Partner:

• Provide senior management with critical input to make tough deal decisions.
• Provide expertise / thought leadership to team and stakeholders on deal best practices, including education and training on deal structuring, deal strategy, deal metrics.
• Collaborate with stakeholders / cross functional teams to support Visa's strategic imperatives, including develop deal strategies and campaigns to continue to grow and protect brand placement and supporting Commercial Money Movement and Value Added Service initiatives.
• Develop talent – Drive team engagement and development through coaching, continuous feedback, identifying growth opportunities Enable and empower team to drive and perform independently across deals and projects Champion inclusion and diversity.

Basic Qualifications:

• 10 or more years of work experience with a Bachelor’s Degree or at least 8 years of work experience with an Advanced degree (e.g. Masters MBA JD MD)

Preferred Qualifications:

• 12 or more years of experience with a Bachelor’s Degree or 8 years of experience with an Advanced Degree (e.g. Masters, MBA, JD, or MD)

• Financial transaction analysis, contract or pricing negotiation experience preferred, familiarity with Payments is a plus

• Analytical / Problem Solving Skills: Demonstrated analytical and problem solving skills. Strong data research and manipulation skills. Experience in investment, valuation, or transactional analysis. Ability to be objective in analysis.

• Communication: Strong communication skills: written, verbal, and formal presentation. Able to adjust communication style and messaging for different audience. Ability to articulate and explain financial constructs to a non-financial audience.

• Collaboration: Strong collaboration skills: work well as part of a cross-functional team and able to influence both internal and external stakeholders. Ability to find and articulate win-win solutions in contract negotiations. Balances needs of the business with individual deal needs.

• Project Management: Strong organizational and time management skills. Ability to translate data effectively into actionable information to drive results. Proficient in Microsoft Outlook, Word, Excel, PowerPoint, and Adobe PDF.

• Leadership: Demonstrates strong sense of urgency to solving problems and getting deal done. Anticipate business and deal needs including the root cause of business challenges. Succinctly frames alternatives and next steps.

• Creativity: Able to work in and bring structure to ambiguous environments. Comfort in delivering multi-dimensional solutions that support decision-making processes.

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.

Visa welcomes and encourages applications from persons with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

About Henon

We are building a relationship first, tech enabled financial services company founded to help make private market data more agile, efficient, and clever.

Job Description

The successful candidate will possess 5 to 10 years of experience and will be involved in all stages of client interactions including solution design, model building and client advisory. You will help the business development team close business and oversee relationships with new and existing clients through our high touch relationship practices.

What you will do

Be the link between the customer stakeholders and the product team

Lead the onboarding process for designated accounts

Lead solution presentations/demos

Document and prioritize business requirements

Decompose financial models to replicate and automate workflows using our platform

Develop solution design and architecture documentation

Help customers derive value by being a product expert and problem solver

Contribute to improving our processes and product, such as by transmitting customer feedback, suggesting efficiency improvements

• CFA Required (CAIA, CBV, FRM and similar investment designations will be considered, CPA is not applicable for this role)
• Previous working experience in Consulting, M&A or Corporate Finance required
• Strong understanding of financial models, experience working with algorithms and relational data
• Disciplined approach to time management and deadlines
• Outstanding communication and presentation skills

What we offer

Competitive compensation package

Stock options to ensure you have a stake in Henon's growth

Remote first work environment

Offsites each year quarter hosted in various cities we operate in (Toronto, Montreal, Chicago, New York)

High performing peers who want you to succeed

How we work

Teamwork makes the dreamwork: We can only win as a team. We are all founders and do the right thing for our peers, Henon's customers & partners

Humble, yet confident: We are generous with our feedback, open to change our views and we approach it with empathy knowing everyone is trying to do the best for Henon.io

Improve 1% each day: We aim to become the best at what we do by delivering with rigor and ambition every day.

Turn zeros into ones: We are biased towards action. Every action leads to learning and these learnings get us one step closer to our mission

Prioritize - Perfection is the enemy of progress: Use time to its maximum and focus on the tasks and deliverables that really move the needle.

We're building a fair and inclusive work environment that is representative of the diverse industry we have the pleasure of serving. We encourage candidates from all backgrounds to apply.

Follow us on linkedin at

Job Description

Company Description

About Us: SSENSE (pronounced (es-uh ns)) is a global technology platform operating at the intersection of culture, community, and commerce. Headquartered in Montreal, it features a mix of established and emerging luxury brands across womenswear, menswear, kidswear, and Everything ElseTM. SSENSE has garnered critical acclaim as both an e-commerce engine and a producer of cultural content, generating an average of 100 million monthly page views. 

Are you a numbers whiz with a sharp strategic mind and a drive to transform data into impactful decisions? Grow your expertise and directly influence business growth by joining our Financial Planning & Analysis team! At SSENSE, we're seeking a passionate FP&A Analyst who will drive the execution of our financial strategies and support key investment decisions, all within a fast-paced and exciting environment.

Reporting to the Manager, Financial Planning & Analysis, you'll be an essential partner for our Operations teams (mainly for the studio teams). This is a unique opportunity to collaborate with various stakeholders, develop robust financial models, and shape our growth!

What You Will Do:

Shaping our Financial Strategy:

• Collaborate with departments to drive scalability by optimizing our operational mechanisms and initiating corrective actions.

• Dive deep into data for root cause analyses that uncover actionable insights and fuel our growth and operational excellence.

Precisely Executing Financial Planning & Analysis:

• Lead the monthly analysis of actual results, guide annual budgeting, and ensure rigorous and precise financial control.

• Implement effective tools and processes for strategic project management and support capital allocation governance.

Contributing to Our Continuous Development:

• Assist the Manager, Financial Planning & Analysis, in the full ownership of strategic projects, ensuring financial alignment and governance.

• Collaborate on the creation of business cases and use data to support workforce forecasts.

• Hold a bachelor's degree in Business Administration, Finance, or a related field.

• A professional designation (CFA, CA, CGA, CMA / CPA, or MBA) will be considered an asset.

• 3 to 5 years of experience in finance, including direct experience in FP&A.

• Experience with Adaptive Insights or other financial budgeting software will be considered an asset, as well as experience with SAP or another ERP.

• French language proficiency is required as it is the language in the Quebec province. 

What makes you stand out:

• Strategic and Tactical Thinker: You juggle long-term visions and concrete actions, transforming challenges into opportunities.

• Analytical and Organized: Your sharp mind breaks down complex data for informed decisions, all with exemplary rigor and attention to detail. 

• Autonomous and Collaborative: You excel at independent work, while also being a valued team player, comfortable working with cross-functional teams.

• Strong Financial Tool Skills: You use Microsoft Excel with ease, and have practical knowledge of data mining tools such as SQL.

• Exceptional Communicator: You articulate your analyses with clarity and impact, and your presentations captivate your audience.

Hybrid work schedule

We believe in a balance between in-person collaboration and flexibility. That's why this is a hybrid role, with in-office days on Tuesdays and Wednesdays to connect as a team, and the potential for additional days based on business needs.

Perks And Benefits: 

• Extended health and dental benefits, including comprehensive mental health programs and coverage.
• Parental top up program.
• Generous Employee Discount. 
• Access to telemedicine and employee and family assistance program.
• Savings and retirement plan matching contributions.
• Gender Affirmation Coverage. 
• Opportunity to work with cutting edge technologies and an innovative team that’s pushing the boundaries of technology.

SSENSE is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. If you need special accommodations, let us know. We will do our best to accommodate you!

#LI-Hybrid