Senior Associate, Business Lending

Job not on LinkedIn

🔥 6 minutes ago

🇨🇦 Canada – Remote

💵 CA$151k - CA$189k / year

⏰ Full Time

🟠 Senior

👻 Ghost score 0%

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Wealthsimple

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2014

💼 Consulting

🛡️ Insurance

💳 Fintech

🔥 Funding within the last year

💰 $393M Series E - Wealthsimple on 2025-10

Consulting • Insurance • Fintech

Wealthsimple is a Canadian financial technology company that provides consumer banking, investing, and wealth management services. It offers chequing accounts, savings, credit cards, self-directed trading (stocks, ETFs, options), cryptocurrency trading, managed portfolios, tax services, and advisory wealth management for high-net-worth clients. Wealthsimple combines digital-first banking and low-fee investing products aimed at retail customers, along with tools and educational content to support personal finance.

📋 Description

• Own credit policy for business lending products, starting with a business credit card, from adjudication through the full account lifecycle • Design and implement the underwriting framework determining eligibility and credit limits • Build line management strategies governing credit limit changes, pricing, authorization rules, and active exposure management • Partner with collections to design risk-managed treatment strategies for business accounts • Build lifecycle monitoring to identify emerging risk early • Evaluate portfolio and policy performance using vintage analysis, cohort tracking, and champion/challenger testing • Propose policy enhancements to improve marginal profitability while keeping risk within appetite • Define data and underwriting infrastructure for SMB lending, including sourcing, validating, and weighting business financial data alongside bureau signals • Collaborate with Engineering, Product, Data Science, Fraud, and Client Experience to translate policy into shippable adjudication and monitoring systems • Influence partner-team roadmaps and implement policy with measurable impact • Help build a new lending program from the ground up, from policy to funding, with opportunity to grow into leading a lending line of business

🎯 Requirements

• Direct experience underwriting or setting credit policy for small and medium-sized businesses (must-have) • Hands-on SQL experience for self-serve data, monitoring, and analytics • Ability to shape policy in a ship-and-iterate environment • Ability to turn analysis into clear recommendations for technical and non-technical audiences • Ability to weigh incomplete or noisy information and reach well-grounded decisions • 5+ years of experience in small business lending (preferred qualification) • Knowledge of Canadian consumer credit bureau data, including Equifax and TransUnion (preferred qualification) • Working knowledge of business credit risk, including entity versus personal guarantor assessment, business bureau data, cash-flow-based underwriting, industry/sector risk, and revenue seasonality • Experience across the credit lifecycle: adjudication policy, line management, pricing, and collections strategy • Experience with statistical and quantitative analysis, including experimental design, champion/challenger or A/B testing, model accuracy validation, constrained optimization, decision trees, discounted cash flows, and financial modeling • Experience with Python and GitHub • Airflow, AWS Redshift, and dbt are a plus • Legal eligibility to work in Canada

🏖️ Benefits

• Top-tier health benefits and life insurance • Long-term group savings with employer match, through Wealthsimple for Business • 20 vacation days • 4 wellness days • Unlimited sick and mental health days per year (may not apply to certain roles) • Work outside Canada for up to 90 days per year (may not apply to certain roles) • Employee resource groups, including Rainbow (2SLGBTQ), Women of WS, and Black at WS • Equity compensation for permanent employees