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At KOHO, we are dedicated to providing pay transparency to all candidates. Compensation at KOHO is determined through various factors including but not limited to: comparable salary market data within Canada, technical skill assessment, a holistic view of previous work history, and internal pay equity with other KOHO team members.

About KOHO

KOHO’s purpose is to empower Canadians to build a great financial foundation with products that are radically transparent and easy to manage. We first launched in 2017, and we have since built a community of over 2 million users. Leading investors around the globe believe in our vision, and we’ve successfully raised over $320M to make our vision a reality.

Discover our culture here and get the inside scoop from our team here!

About The Role

KOHO is looking for a dynamic Credit Risk Manager to join our growing team. Reporting to the Director of Credit Risk, this role will contribute to the overall success of the Risk Team at KOHO ensuring Credit Risk initiatives are executed and delivered in support of companies overall business strategies and objectives. This role offers a broad base of exposure in risk management, with an opportunity to make a significant impact within our organization.

What You'll Be Doing

Reporting:

• Develop and produce weekly, monthly, and quarterly reports and dashboards detailing key financial and risk metrics at both product and portfolio levels.

• Develop credit card-specific reporting frameworks including utilization tracking, revolving balance analysis, payment rate monitoring, and vintage performance dashboards to support portfolio management and regulatory requirements.

• Track and evaluate the performance of Key Performance Indicators (KPIs) relevant to the business.

• Extract insights from reports and communicate findings to the leadership team.

• Represent the credit risk function and collaborate with key stakeholders (e.g., Product, Finance, Data, Engineering) to understand reporting requirements and improve reporting processes.

Predictive Modeling / Model Validation and Model Monitoring:

• Collaborate with predictive modellers to develop and implement credit risk models (behavioral/adjudication) in compliance with company policies.

• Construct models for forecasting losses.

• Monitor the performance/effectiveness of existing credit strategies and suggest edits, if and when required.

Strategy Development and Implementation:

• Actively participate in addressing business objectives and formulate and implement strategies for acquisition and account management.

• Design credit card underwriting strategies including adjudication, CLI, CLD, and pre-approval strategies.

• Lead credit card underwriting strategy implementation in Credit Decision Engine (CDE).

• Monitor the effectiveness of current credit strategies and enhance them by exploring new and alternative data sources.

Analysis:

• Unlock insights from complex and diverse groupings of internal and external data, and tell a story with the data that enables enlightened decision-making

• Conduct deep-dive analysis on credit card portfolio performance including utilization patterns, payment behaviors, and profitability drivers

• Analyze competitive landscape and industry benchmarks to inform credit card positioning and underwriting strategy

• Present findings to the leadership team

Who You Are

• Bachelor's degree in a quantitative field, economics, business, engineering, or equivalent

• 5+ years of experience in data analysis, strategy development, reporting and model building preferably in BFSI industry

• Experience with credit card products, revolving credit risk management, and consumer lending portfolios

• Knowledge of credit card regulations, compliance requirements, and industry best practices

• Experience with real-time decisioning platforms and Credit Decision Engine implementations

• Knowledge and experience in loan loss forecasting and loss provisioning

• Proficiency in Data Visualization tools such as Tableau, PowerBI, Sigma or similar to create informative dashboards

• Strong team player with excellent interpersonal, organizational, and communication skills

• Exceptional analytical and problem-solving abilities

• Organized multi-tasker with demonstrated expertise using tools to manipulate and prepare huge sets of data for analysis

• Ability to work independently and collaboratively within a team environment

• Proficient in programming languages such as SQL and Python

• Nice-To-Haves :

  • Familiarity with data from monoline lenders or fintechs

  • Experience with alternative data or Non-Prime lending

  • Experience with cloud-based platforms such as AWS or GCP

What's In It For You?

We invest time and resources into making sure KOHO is as good as the people we hire. Here are some of the reasons we attract the best people:

🧘‍♂️ Balance Your Life - Company-wide summer wellness days, winter holiday closure, personal days, a wellness spending account, and maternity & parental leave top-up

💻 Remote First - Work from anywhere in Canada with a budget to set up your home office

🆙 Level Up - Access to an in-house certified performance coach and an annual training budget

🙌 The KOHO Culture - We have won 7 "Great Place to Work ®" awards since 2019

🤝 Be an Owner - Every KOHO employee gets a generous amount of equity with a 10 year exercise window

The KOHO culture is one of collaboration, creativity, and diverse perspectives. We are committed to building and fostering an inclusive, accessible environment for everyone. If you have any questions, concerns, or requests regarding accessibility needs, please contact peopleaccessibility@koho.ca and the People and Culture team will be happy to help.

AI Disclosure: KOHO uses artificial intelligence (AI) in certain aspects of its recruitment process to screen, assess, or select applicants. For any questions or concerns, please contact us at talent@koho.ca.

Note: this posting is for an existing vacancy that we are seeking to fill.

#LI-Remote

Compensation Range: CA$1.00 - CA$999,999.00