Job Title: Senior Credit Risk Manager (Auto/Subprime Lending)
Location: Toronto or Mississauga, ON (Hybrid – 2-3 days in-office)
Salary Range: $115K–$125K base + 10% bonus + comprehensive benefits
Type: Full-Time | Permanent

We’re partnering with a national financial services company in growth mode, seeking a Senior Credit Risk Manager with hands-on experience in the auto lending or subprime lending space. This role is critical to driving risk strategies, optimizing credit performance, and supporting the company’s transformation toward modern data platforms and decisioning tools.

You’ll be joining a collaborative team and working closely with senior leadership to shape origination, portfolio, and collections strategies. If you're a strong individual contributor with a data-driven mindset and deep credit modelling experience, this is an exciting opportunity to influence meaningful change.

Key Responsibilities

Credit Strategy & Modelling

• Design and implement risk strategies across originations, customer management, and collections

• Enhance credit models using statistical methods and machine learning (Python, R, SAS, TensorFlow)

• Leverage data tools, including SQL, Databricks, and Power BI, for model deployment and monitoring

Portfolio Optimization

• Conduct loss forecasting, scenario analysis, and KPI monitoring (e.g., delinquency, charge-offs)

• Lead strategic initiatives to optimize credit performance across auto and merchant portfolios

• Assess risk exposure, identify emerging trends, and recommend action plans

Leadership & Collaboration

• Mentor junior analysts and collaborate cross-functionally with operations, finance, and product teams

• Contribute to risk appetite and long-term business planning

• Partner with executive leadership to execute change initiatives and modernization efforts

What We're Looking For

• 7+ years in credit risk, with experience in consumer lending (auto or subprime preferred)

• Strong quantitative background with expertise in logistic regression, performance monitoring, and origination strategy

• Hands-on experience with Python, SQL, Excel, and ideally Databricks

• Proven track record of working independently and owning risk strategy end-to-end

• Master’s in Finance, Economics, Statistics, or a related field

We’re an equal opportunity employer committed to increasing diversity and inclusion in today’s workforce. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. Minorities, women, LGBTQ candidates, and individuals with disabilities are encouraged to apply. If you require an accommodation, please review our accessibility policy and reach out to our accessibility officer with any questions.