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.

What’s in it for you?

📈 Opportunity to shape the future of fintech and financially empower a generation of Canadians

💰 Competitive compensation & equity

🤝 Fantastic, Deeply Engaged Team (check out our engagement scores here!)

🌴 Generous vacation + Wellness days + Flex Days + holiday closure

💻 Remote-first environment + coworking support + yearly all hands retreat

🧠 Access to coaching & growth programs

👶 Parental top-up & leave policies

🏥 Comprehensive health benefits

💡 Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development

About KOHO

We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians.

At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust.

KOHO is entering its next chapter - leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in.

About The Role

KOHO is looking for an Analytics Engineer, Credit Risk, to build and scale robust reporting pipelines that power complex credit reporting. In close collaboration with the Credit Team, you'll partner with Payment Operations, Tech, Security, Risk, and Finance teams, as well as fellow Analytics Engineers, on multi-month builds, ensuring our data infrastructure keeps pace with ambitious credit product initiatives.

This is a new role bridging analytics engineering excellence with credit data transformation needs. You'll own the technical backbone that enables funds to be accurately processed and reported internally and to financial authorities.

What You'll Do

• Lead complex financial pipeline builds: Design and develop scalable data pipelines supporting banking processes, from scoping through delivery

• Collaborate cross-functionally: Partner with Credit, Payment Operations, Tech, Security, Risk, and Finance teams to define data requirements

• Build credit reporting infrastructure: Create reliable, performant operational data models that power internal and external reporting, audits, and money movements.

• Design scalable data models: Apply modelling frameworks (one big table, entity tables, event streams, Kimball) tailored to credit reporting use cases

• Optimize and monitor: Maintain pipeline health, optimize query performance, and implement data quality monitoring

• Enable the team: Document solutions, establish best practices, and help upskill fellow Analytics Engineers and Analysts

• Integrate cross-functional data: Work across domain boundaries to unify financial data into cohesive reporting structures

Who You Are

• 3+ years of experience in analytics engineering, data engineering, or similar data roles

• Advanced DBT expertise: Comfortable with complex DBT projects, various materializations, such as incremental, table, view, etc. Familiar with snapshots, variables, macros, and Jinja.

• Strong SQL skills with a focus on query optimization and performance

• Experience with modern data stack: DBT Core and/orDBT Cloud, Git. A plus if experience with Redshift.

• Collaborative mindset: You thrive working alongside analysts, PMs, and engineers to translate business requirements into technical solutions

• Strong communicator: You adapt communication to different audiences and connect technical work to reporting outcomes

• Proactive problem-solver: You identify opportunities for improvement and take initiative without waiting to be asked

• AI-curious: Experience or strong interest in leveraging AI tools for development workflows. Strong foundations of AI-assisted development are a plus.

Nice to Have

• Experience in fintech, credit, and/or banking environments

• Experience with highly-regulated domains

The budgeted salary range for this role is $100,000 - $135,000 CAD / year.

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.

Description de poste en français

À propos du rôle

KOHO est à la recherche d’un·e Analytics Engineer, Crédit pour concevoir et faire évoluer des pipelines de reporting robustes qui alimentent des rapports de crédit complexes. En étroite collaboration avec l’équipe Crédit, vous travaillerez avec les équipes Opérations Paiements, Tech, Sécurité, Risque et Finance, ainsi qu’avec d’autres Analytics Engineers, sur des projets de plusieurs mois afin de garantir que notre infrastructure de données soutient nos initiatives ambitieuses en matière de produits de crédit.

Il s’agit d’un nouveau rôle qui fait le pont entre l’excellence en analytics engineering et les besoins de transformation des données de crédit. Vous serez responsable de la colonne vertébrale technique qui permet de traiter et de déclarer les fonds avec précision, tant à l’interne qu’auprès des autorités financières.

Ce que vous ferez

• Diriger des projets complexes de pipelines financiers :
  Concevoir et développer des pipelines de données évolutifs qui soutiennent les processus bancaires, de la définition du périmètre jusqu’à la livraison.

• Collaborer de façon transversale :
  Travailler en partenariat avec les équipes Crédit, Opérations Paiements, Tech, Sécurité, Risque et Finance afin de définir les exigences en matière de données.

• Construire l’infrastructure de reporting de crédit :
  Créer des modèles de données opérationnels fiables et performants qui soutiennent les rapports internes et externes, les audits et les mouvements de fonds.

• Concevoir des modèles de données évolutifs :
  Appliquer des cadres de modélisation (one big table, tables d’entités, flux d’événements, Kimball) adaptés aux cas d’usage du reporting de crédit.

• Optimiser et surveiller :
  Maintenir la santé des pipelines, optimiser les performances des requêtes et mettre en place des mécanismes de surveillance de la qualité des données.

• Soutenir l’équipe :
  Documenter les solutions, établir les meilleures pratiques et contribuer au développement des compétences des Analytics Engineers et Analystes.

• Intégrer les données transversales :
  Travailler au-delà des domaines pour unifier les données financières dans des structures de reporting cohérentes.

Qui vous êtes

• Plus de 3 ans d’expérience en analytics engineering, data engineering ou dans des rôles similaires liés aux données

• Expertise avancée en DBT : à l’aise avec des projets DBT complexes et différentes matérialisations (incremental, table, view, etc.). Connaissance des snapshots, variables, macros et Jinja.

• Excellentes compétences en SQL, avec un accent sur l’optimisation et la performance des requêtes

• Expérience avec une stack de données moderne : DBT Core et/ou DBT Cloud, Git. Une expérience avec Redshift est un atout.

• Esprit collaboratif : vous aimez travailler avec des analystes, PM et ingénieurs pour traduire les besoins d’affaires en solutions techniques

• Excellentes aptitudes en communication : vous adaptez votre message à différents publics et reliez le travail technique aux résultats de reporting

• Proactif·ve et orienté·e solutions : vous identifiez les opportunités d’amélioration et prenez des initiatives sans attendre qu’on vous le demande

• Curiosité pour l’IA : expérience ou fort intérêt pour l’utilisation d’outils d’IA dans les flux de développement. Une base solide en développement assisté par l’IA est un plus.

Atouts

• Expérience en fintech, en crédit et/ou dans des environnements bancaires

• Expérience dans des domaines fortement réglementés

KOHO is for builders.

If you’re energized by challenge, motivated by mission, and want to be part of a team that punches above its weight - we want to hear from you.

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$100K - CA$135K