Manager/Senior Manager, Credit Strategy

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KOHO

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2014

💳 Fintech

🛍️ eCommerce

🏦 Banking

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.

📋 Description

• Own and continuously refine KOHO's credit strategies across all lending products, including approval criteria, credit limits, pricing, and policy exceptions • Analyze existing customer segmentation and credit performance data to identify underserved or mispriced segments • Develop and test new segmentation strategies that expand access to credit for creditworthy Canadians while maintaining sound portfolio quality • Partner with Product, Engineering, Data and second line Credit Risk teams to develop documented rationale and address key risks while implementing policy changes and new decisioning logic • Synthesize portfolio performance data — delinquency, loss rates, vintage curves, revenue & utilization — into clear strategic insights and recommendations for leadership • Identify emerging risk trends or shifts in borrower behaviour early, and propose mitigating actions • Monitor macroeconomic signals, regulatory developments, and competitive dynamics that could affect KOHO's lending strategy • Define the risk framework for new lending initiatives and product expansions • Build and maintain financial models to assess the risk-return trade-offs of different segmentation strategies, credit policy changes, and new product structures • Quantify the expected P&L impact (NII & charge-offs) of strategic credit decisions • Develop scenario and sensitivity analyses to stress-test assumptions under different economic conditions • Support the annual planning process with bottom-up credit P&L forecasts by product and segment • Develop a deep understanding of the risk characteristics of KOHO's borrower base — income stability, payment behaviour, debt load, credit bureau attributes — and how these interact with product design • Build and monitor risk scorecards and early warning indicators to detect portfolio deterioration • Evaluate external data sources and alternative data signals that could improve credit decisioning • Contribute to credit risk reporting for the leadership team and, as relevant, the Board

🎯 Requirements

• 3-5+ years of experience in consumer credit strategy, credit risk management, or related quantitative roles within a bank, fintech, or lending-focused company • Proven experience designing and optimizing credit policies and customer segmentation for consumer lending products (e.g., credit cards, personal loans, lines of credit, BNPL) • Strong quantitative skills — you are comfortable building financial models, running cohort analyses, and interpreting statistical outputs without needing hand-holding • Proficiency in SQL; experience with Python or R is a strong asset • Demonstrated ability to translate complex analysis into clear, decision-ready recommendations for senior audiences • Experience working cross-functionally with Product, Engineering, Finance, and Risk teams

🏖️ 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