Data Science Manager, Risk

Develop Next-Generation Credit Models: Build, enhance, and deploy machine learning models for underwriting, reject inference, alternative labeling, and other credit risk applications.

Drive Model Governance & Quality: Partner with model validation to ensure robust model governance through comprehensive documentation, performance monitoring, stability analysis, diagnostics, and ongoing model enhancements.

Advance Credit Strategy: Partner with the Credit Risk team to evaluate underwriting policies, optimize risk segmentation, and translate model insights into data-driven credit strategies.

Enable Scalable Credit Analytics: Develop analytical datasets, reusable feature frameworks, and scalable workflows that accelerate model development, portfolio monitoring, and strategic decision-making.

Drive Statistical Experimentation: Design and evaluate statistically rigorous experiments to assess new models, features, and credit strategies, using data to quantify business impact and optimize decision-making.

Productionize Decisioning: Translate analytical solutions into scalable production workflows, partnering with Engineering to automate credit decisioning and improve operational efficiency.

Build AI-Powered Solutions: Develop and deploy AI-powered solutions across credit risk and fraud to enhance decision-making, strengthen fraud detection, and improve operational efficiency.

Collaborate Across Teams: Partner closely with Credit Strategy, Product, Growth, Finance, Engineering, and Data teams to deliver high-quality, data-driven solutions that balance portfolio growth, risk, and customer experience.

Subject Matter Experience : 4 or more years of experience in Credit Risk management, modeling and/or related data analysis in a financial services, FinTech, lending and/or technology company.

Technical Mastery : Strong proficiency in Python and SQL is required.

Analytical Depth : Working knowledge of regression analysis, decision trees, loss forecasting, and statistical design of experiments.

Exceptional Communication Skills : The ability to translate complex data into clear, professional narratives for Senior Management.

Startup DNA : You thrive in fast-paced environments with limited structure and have a shared sense of purpose to "Get Stuff Done" (#GSD).

Make Your Mark: This is a rare chance to help directly steward a high-impact FinTech in Canada at an exciting stage of its growth and maturity.

The Culture: Work in a team that values impact, accountability, curiosity, and building strong, collaborative relationships.

Hybrid Work Environment: Balance of remote and in-office (currently one day a week in Toronto), without sacrificing the high-energy collaboration.

Competitive compensation ($95,000 – $120,000 base + bonus).

Retirement savings program with employer matching.

Comprehensive medical, dental, and vision group insurance, as well as health and wellness spending accounts.

Generous time off to help you recharge.

Parental top-up to support your growing family.

Continuing education stipend to support your professional development.

We are an equal opportunity employer and are committed to diversity at our company. We do not discriminate on the basis of race, religion, culture, sexual orientation, gender identity and physical ability.

Diversity of backgrounds, perspectives, and experience is fundamental to our business. We believe in fostering an environment where team members of all backgrounds can feel comfortable bringing their whole selves to work every day. We aim to ensure all of our employees work in an environment that makes them feel valued, heard, and supported while they strive towards career pursuits and their personal and professional growth.

We are committed to providing accommodations for all candidates that require them and in all aspects of the recruitment, selection, and/or assessment process. If you are selected to participate in any part of the selection and/or assessment process, please inform us of any accommodation(s) that you may require.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

We’re flattered that you’d like to join our team, but only applicants selected to proceed in the hiring process will be contacted.