Director, Credit Strategy

Job not on LinkedIn

November 6

Apply Now

Receive Emails with Similar Jobs

Mogo

WebsiteLinkedInAll Job Openings

Fintech • Finance • eCommerce

Mogo is a members-only wealth platform that focuses on intelligent investing principles rooted in value investing. It offers both private wealth management and a self-directed investing app, emphasizing a transparent membership model with no hidden fees. With a strong commitment to sustainability and social responsibility, Mogo allows its members to invest in ways that contribute to positive environmental impacts, such as reforesting efforts. The platform also harnesses AI technology to enhance investment research and analysis, empowering users to make informed investment decisions that align with their wealth-building strategies.

51 - 200 employees

Founded 2003

💳 Fintech

💸 Finance

🛍️ eCommerce

💰 Series C on 2014-12

📋 Description

• Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth. • Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation. • Design credit limit frameworks to maximize risk-adjusted returns. • Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs. • Monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability. • Partner with the Collections team to develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs. • Lead and grow Mogo’s Decision Science capabilities, embedding advanced analytics into the credit decisioning framework.

🎯 Requirements

• 7+ years of experience in consumer lending or credit risk, with a proven track record in subprime or fintech environments. • Strong experience across the credit lifecycle: origination, underwriting, pricing, portfolio management, and collections. • Hands-on experience with credit risk models and credit bureau data (traditional and alternative). • Advanced proficiency with SQL, Python, and experience using platforms like Snowflake and Looker. • Strong leadership and team management skills - experience building, mentoring, and developing high-performing risk teams. • Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders. • Bachelor’s or Master’s degree in a quantitative field such as Economics, Mathematics, Statistics, Engineering, or Computer Science.

🏖️ Benefits

• ALWAYS FULLY REMOTE WORK - Enjoy the flexibility of remote work, supported by necessary resources #LI-Remote • Comprehensive Health and Wellness - Access medical, dental, and vision coverage plus a Health Spending Account • Stock Options - Have a stake in the company's success through stock options • Flex Vacation - Benefit from paid time off, including vacation days, holidays, and personal days • Wellbeing Programs - Access counselling services, mental health support, and additional wellness resources