Credit Risk Manager

4 days ago

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KOHO

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KOHO is Canada's leading financial app designed to help users make progress with their money every day. Offering features such as cash back on spending, high-interest savings accounts, credit-building options, and personal loans, KOHO aims to simplify financial management. Users can manage their expenses, save more, and access short-term borrowing all from one convenient platform, making financial wellbeing accessible for Canadians.

Fintech • Finance

201 - 500 employees

Founded 2014

💸 Finance

💳 Fintech

👥 B2C

📋 Description

• KOHO is looking for a dynamic Credit Risk Manager to join our growing team. • Reporting to the Senior Manager 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. • Develop and produce weekly, monthly, and quarterly reports and dashboards detailing key financial and risk metrics at both product and portfolio levels. • 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. • Develop and implement credit risk models (behavioural/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. • Actively participate in addressing business objectives and formulate and implement strategies for acquisition and account management. • Monitor the effectiveness of current credit strategies and enhance them by exploring new and alternative data sources. • Unlock insights from complex and diverse groupings of internal and external data, and tell a story with the data that enables enlightened decision-making • Present findings to the leadership team.

🎯 Requirements

• Bachelor's degree in a quantitative field, economics, business, engineering, or equivalent • 3+ years of experience in data analysis, strategy development, reporting and model building preferably in BFSI industry • Experience in machine learning and developing predictive models, with a track record of implementation • Knowledge and experience in loan loss forecasting, loss provisioning • Proficiency in Data Visualization tools such as Tableau or PowerBI or Sigma 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

🏖️ Benefits

• 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