KOHO · 1 month ago
Credit Risk Manager
KOHO (CAN)
Full-time
Onsite
Senior Level
5+ years expKOHO is a financial services company dedicated to empowering Canadians with transparent financial products. The Credit Risk Manager will play a crucial role in the Risk Team, focusing on credit risk initiatives, reporting, predictive modeling, and strategy development to support the company's business objectives.
FinanceFinancial ServicesFinTechMobile PaymentsPayments
Responsibilities
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
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
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
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
Qualification
Required
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
Preferred
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
Benefits
Competitive compensation & equity
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
Company
KOHO
KOHO is one seamless platform for your money and life.
201-500 employees
Funding
Current Stage
Late StageTotal Funding
$547.91MKey Investors
PROPELR GrowthEldridge IndustriesTTV Capital
2024-10-01Series Unknown· $29.64M
2024-10-01Debt Financing· $111.16M
2023-12-07Series D· $63.25M
Leadership Team
Daniel Eberhard
CEO
Jonathan Klein
Chief Operating Officer
Recent News
2025-12-19
Company data provided by crunchbase