Senior Credit Risk Analyst

March 12

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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

• Reporting to the Director of Credit Risk, you'll be providing ongoing monitoring on the health of all credit products and performance/effectiveness of credit strategies. • You’ll also be leading the credit provisioning and portfolio evaluation process to ensure ongoing adequacy of the credit reserves. • This role offers a broad base of exposure to multiple areas of risk management, with an opportunity to make a significant impact within our organization. • Create weekly/monthly/quarterly reporting or dashboards of key financial and risk metrics at both product and portfolio level. • Build loss forecasting models. • Develop, maintain and implement credit risk models and strategies. • Conduct deep dive or ad-hoc analysis on data and make actionable recommendations. • Monitor performance of credit strategies and improve credit strategies by exploring new and alternative data sources. • Represent the credit risk function and work closely with key stakeholders (e.g., Product, Finance, Data, Engineering) to understand reporting needs and improve reporting.

🎯 Requirements

• Proven experience in credit risk reporting within a financial institution • Experience in building credit risk machine learning models is nice to have • Experience with Data Visualization tools to build dashboards • Experience in loan loss forecasting, loss provision and predictive modelling would be an asset • Experience with monoline lenders/Fintechs would be an asset • Experience with cloud-based platforms such as AWS or GCP would be an asset • Proficient in SQL, Python and Excel • Experience with the use of alternative data or Non-Prime lending would be nice to have • Strong analytical and problem-solving skills • Intellectual curiosity and ability to learn quickly • Clear and effective verbal and written communication skills • The ability to manage and track multiple priorities

🏖️ 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