96 Senior Credit jobs in Canada
Manager, Credit Risk
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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.
VP credit Risk & Analytics
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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
Credit Risk Modeling Consultant
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Job Description
Job Title: Credit Risk Modeling Consultant
Job Description: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.
Key Responsibilities: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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Director, Financial Analysis & Modeling, Private Equity & Credit
Posted 3 days ago
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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
Expert Services Director Qualifications- 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
$100,000 - $139,000 a year Base salary + Options grant in addition to the base salary to commensurate with experience.
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
CREDIT ADJUDICATOR
Posted today
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Job Description
The Position:
The Credit Adjudicator is a motivated, career-minded Credit Adjudicator responsible for evaluating and approving credit applications which exceed lender’s or branch limits. Additional responsibilities will include assistance in developing and implementation of credit policies and procedures as well as assisting our training department with lender focused training. Assist with special projects, and new business development tools and programs as required. Provide advice and direction to lenders and credit analyst regarding the analysis, structuring and negotiation of credit applications and related documentation.
Under executive direction, reporting to the Senior Vice President of Credit, the Credit Adjudicator will evaluate and approve credit applications within designated limits. Credit applications which exceed the credit adjudicator limits will be submitted to the Senor Vice President of Credit and/or Credit Committee. The position is responsible for ensuring that the approved applications meet acceptable risk requirements and provide a reasonable, risk‐based return on investment, in accordance with prudent lending practice, corporate lending policy, as well as regulatory and legislative requirements.
This is a full time permanent position.
For complete job posting details, please visit our website -vision/careers
The Person:
- Seven to nine years of job-related experience is required for this complex position.
- Excellent critical analysis and decision-making skills are essential for success in this role. In addition, excellent oral and written communication, high attention to technical detail and proven ability to work effectively in a time sensitive and team environment is necessary for this position.
- Cooperative or Credit Union industry experience is a benefit.
Compensation:
· Comprehensive benefits package.
SUBMIT RESUME AND COVER LETTER TO:
Human Resources
Vision Credit Union Ltd.
Corporate Office
5007 – 51 Street
Camrose, Alberta T4V 1S6
Fax
Only those individuals invited for an interview will be contacted.
Company DescriptionWe don’t see branch locations,
we see hometowns.
We see banking differently.
Vision Credit Union Ltd. is a community credit union with over 37,000 members across Alberta. Over the past 75 years, Vision has evolved from a single branch in Camrose with assets of $178, to become the province’s second-largest credit union with assets over $.5 Billion and branches in 23 rural Alberta communities.
We don’t see branch locations,
we see hometowns.
We see banking differently.
Vision Credit Union Ltd. is a community credit union with over 37,000 members across Alberta. Over the past 75 years, Vision has evolved from a single branch in Camrose with assets of $1 8, to become the province’s second-largest credit union with assets over $2 5 Billion and branches in 23 rural Alberta communities.
Senior Solutions Architect Credit Risk
Posted today
Job Viewed
Job Description
A career as a Senior Solution Architect Credit Risk in payments, cards and regulatory projects with knowledge of credit risk technologies/systems/solutionat National Bank is to act as an active contributor to the bank’s transformation which will give you the opportunities to fulfill your professional objectives. This job allows you to have a positive impact on the organization using your knowledge and skills set related to payment processes, systems integration, Domain Driven Design concept, cloud services, complex solution design/delivery.
Your job
- collaborate with stakeholders to capture functional and non-functional requirements to design end to end technical solution aligned on businesses and architectures objectives.
- Evaluate and recommend appropriate emerging technologies, platforms and tools for each project and ensure solutions are scalable, secure and compliant with industry standards.
- Identify the most appropriate integration patterns, such as APIs, streaming, MSA, containerization/serverless which allow scalability, maintainability and which are decoupled, secure and at lower cost.
- Apply DDD principles to solve complex problems while delivering a composable architecture.
- Produce native or hybrid Cloud solutions by choosing the AWS cloud services most appropriate to the project context such as Serverless and containers.
- Develop and implement robust security measures to protect data, applications and systems and ensure data security, privacy and regulatory compliance.
- Act as a trusted advisor to customers and partners, presenting and explaining technical solutions while leading and mentoring a team of developers across the entire project lifecycle.
Your team
IT is more than 2,300 experts who work in an agile, proactive and collaborative manner to seize opportunities, stay at the cutting edge of technology and continuously improve processes.
Within the Payments, Cards and Regulatory Projects sector, you will be part of the solution architect team and you will report to the senior director of this team Eric Jolly. This same team's mission is to design innovative and efficient solutions to improve the experience of our customers. Our team stands out for its broad and in-depth expertise in several technological and business areas and the coverage of aspects affecting applications, data and infrastructures.
We aim to offer you maximum flexibility to promote your quality of life. This translates to a hybrid work environment, as well as a flexible and adaptable schedule.
The Bank values continuous development and internal mobility. Our personalized training programs, based on learning in action, allow you to master your profession and develop new fields of expertise. Tools such as Udemy, the Data Academy, language training, the Harvard Learning Center and coaching and mentoring support are always available to you.
Basic requirements
- Completed bachelor’s degree in engineering or information technology, and ten years of relevant experience or master’s degree in information technology, and eight years of relevant experience
- Proven experience as a solutions architect, focusing on large-scale, complex solutions, and knowledge of credit risk technologies/systems/solution is an asset
- Experience with orchestration technologies/techniques (Camunda, others), in addition to in-depth knowledge of software design and development
- Proficient in AWS cloud services, such as EKS and Serverless, as well as structured and unstructured databases, such as RDS, DynamoDB and S3
- Mastery of the concepts, technologies and solutions of a modern ecosystem, including composable architecture, micro-services, APIs, event architecture, orchestration, security and cloud AWS services
- Excellent communicator and ability to influence, strong capacity for synthesis, analysis and popularization.
Senior Solutions Architect Credit Risk
Posted today
Job Viewed
Job Description
A career as a Senior Solution Architect Credit Risk in payments, cards and regulatory projects with knowledge of credit risk technologies/systems/solutionat National Bank is to act as an active contributor to the bank’s transformation which will give you the opportunities to fulfill your professional objectives. This job allows you to have a positive impact on the organization using your knowledge and skills set related to payment processes, systems integration, Domain Driven Design concept, cloud services, complex solution design/delivery.
Your job
- collaborate with stakeholders to capture functional and non-functional requirements to design end to end technical solution aligned on businesses and architectures objectives.
- Evaluate and recommend appropriate emerging technologies, platforms and tools for each project and ensure solutions are scalable, secure and compliant with industry standards.
- Identify the most appropriate integration patterns, such as APIs, streaming, MSA, containerization/serverless which allow scalability, maintainability and which are decoupled, secure and at lower cost.
- Apply DDD principles to solve complex problems while delivering a composable architecture.
- Produce native or hybrid Cloud solutions by choosing the AWS cloud services most appropriate to the project context such as Serverless and containers.
- Develop and implement robust security measures to protect data, applications and systems and ensure data security, privacy and regulatory compliance.
- Act as a trusted advisor to customers and partners, presenting and explaining technical solutions while leading and mentoring a team of developers across the entire project lifecycle.
Your team
IT is more than 2,300 experts who work in an agile, proactive and collaborative manner to seize opportunities, stay at the cutting edge of technology and continuously improve processes.
Within the Payments, Cards and Regulatory Projects sector, you will be part of the solution architect team and you will report to the senior director of this team Eric Jolly. This same team's mission is to design innovative and efficient solutions to improve the experience of our customers. Our team stands out for its broad and in-depth expertise in several technological and business areas and the coverage of aspects affecting applications, data and infrastructures.
We aim to offer you maximum flexibility to promote your quality of life. This translates to a hybrid work environment, as well as a flexible and adaptable schedule.
The Bank values continuous development and internal mobility. Our personalized training programs, based on learning in action, allow you to master your profession and develop new fields of expertise. Tools such as Udemy, the Data Academy, language training, the Harvard Learning Center and coaching and mentoring support are always available to you.
Basic requirements
- Completed bachelor’s degree in engineering or information technology, and ten years of relevant experience or master’s degree in information technology, and eight years of relevant experience
- Proven experience as a solutions architect, focusing on large-scale, complex solutions, and knowledge of credit risk technologies/systems/solution is an asset
- Experience with orchestration technologies/techniques (Camunda, others), in addition to in-depth knowledge of software design and development
- Proficient in AWS cloud services, such as EKS and Serverless, as well as structured and unstructured databases, such as RDS, DynamoDB and S3
- Mastery of the concepts, technologies and solutions of a modern ecosystem, including composable architecture, micro-services, APIs, event architecture, orchestration, security and cloud AWS services
- Excellent communicator and ability to influence, strong capacity for synthesis, analysis and popularization.
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Senior Solutions Architect Credit Risk
Posted today
Job Viewed
Job Description
A career as a Senior Solution Architect Credit Risk in payments, cards and regulatory projects with knowledge of credit risk technologies/systems/solutionat National Bank is to act as an active contributor to the bank’s transformation which will give you the opportunities to fulfill your professional objectives. This job allows you to have a positive impact on the organization using your knowledge and skills set related to payment processes, systems integration, Domain Driven Design concept, cloud services, complex solution design/delivery.
Your job
- collaborate with stakeholders to capture functional and non-functional requirements to design end to end technical solution aligned on businesses and architectures objectives.
- Evaluate and recommend appropriate emerging technologies, platforms and tools for each project and ensure solutions are scalable, secure and compliant with industry standards.
- Identify the most appropriate integration patterns, such as APIs, streaming, MSA, containerization/serverless which allow scalability, maintainability and which are decoupled, secure and at lower cost.
- Apply DDD principles to solve complex problems while delivering a composable architecture.
- Produce native or hybrid Cloud solutions by choosing the AWS cloud services most appropriate to the project context such as Serverless and containers.
- Develop and implement robust security measures to protect data, applications and systems and ensure data security, privacy and regulatory compliance.
- Act as a trusted advisor to customers and partners, presenting and explaining technical solutions while leading and mentoring a team of developers across the entire project lifecycle.
Your team
IT is more than 2,300 experts who work in an agile, proactive and collaborative manner to seize opportunities, stay at the cutting edge of technology and continuously improve processes.
Within the Payments, Cards and Regulatory Projects sector, you will be part of the solution architect team and you will report to the senior director of this team Eric Jolly. This same team's mission is to design innovative and efficient solutions to improve the experience of our customers. Our team stands out for its broad and in-depth expertise in several technological and business areas and the coverage of aspects affecting applications, data and infrastructures.
We aim to offer you maximum flexibility to promote your quality of life. This translates to a hybrid work environment, as well as a flexible and adaptable schedule.
The Bank values continuous development and internal mobility. Our personalized training programs, based on learning in action, allow you to master your profession and develop new fields of expertise. Tools such as Udemy, the Data Academy, language training, the Harvard Learning Center and coaching and mentoring support are always available to you.
Basic requirements
- Completed bachelor’s degree in engineering or information technology, and ten years of relevant experience or master’s degree in information technology, and eight years of relevant experience
- Proven experience as a solutions architect, focusing on large-scale, complex solutions, and knowledge of credit risk technologies/systems/solution is an asset
- Experience with orchestration technologies/techniques (Camunda, others), in addition to in-depth knowledge of software design and development
- Proficient in AWS cloud services, such as EKS and Serverless, as well as structured and unstructured databases, such as RDS, DynamoDB and S3
- Mastery of the concepts, technologies and solutions of a modern ecosystem, including composable architecture, micro-services, APIs, event architecture, orchestration, security and cloud AWS services
- Excellent communicator and ability to influence, strong capacity for synthesis, analysis and popularization.