Credit Risk Manager – Credit Card

November 21

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KOHO

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Fintech • eCommerce • Banking

KOHO is a financial technology company that provides Canadians with tools to manage their money effectively and enhance their lifestyle. Offering a single platform, KOHO allows users to spend smarter with a prepaid Mastercard that offers up to 5% cash back, grow their savings with competitive interest rates, facilitate borrowing with easy cash advances, and build credit history. The app also features budgeting tools, payment splitting, and various customizable plans to suit individual needs, emphasizing convenience and financial wellness for its users.

201 - 500 employees

Founded 2014

💳 Fintech

🛍️ eCommerce

🏦 Banking

📋 Description

• 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

🎯 Requirements

• 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 • Proficient in programming languages such as SQL and Python

🏖️ 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