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Added 7 hours ago
Senior Business Systems Analyst
Royal Bank of Canada
Toronto, ON
Full-time
A key IT role within Wealth Management Technology & Solutions, Data Services Canada team, you will be a Business System Analyst that will act as an SME for Global Wealth Management Data Hub…
Added 15 hours ago
Merchandising Analyst
Metro Inc.
Toronto, ON · Etobicoke, ON
Full-time
The Merchandising Analyst is responsible for providing analytical support to the category and ensuring system data integrity is accurate including feature activity.
Added 20 hours ago
FINANCIAL REPORTING ANALYST
HWN Energy Ltd.
Calgary, AB
Full-time
…company. Following a strategic refocusing of our portfolio, HWN’s operations are now concentrated on the development of our high-quality Montney and Dunvegan assets, some of North America’s…
Added 21 hours ago
Transformation Analyst
Environmental 360 Solutions
Aurora, ON
$85,000 to $115,000 CAD / year
Full-time
The Transformation Analyst provides the analytical backbone of the transformation program, delivering analytical support and dashboard development for both the broader business and the…
Added 3 days ago
Senior Credit Risk Analyst
Elective
Vancouver, BC
Full-time
As a Senior Credit Risk Analyst you will join a growing team, reporting directly to the Head of Finance & Risk while also working closely with our Co-Founder & CEO. In this role you will…
Added 4 days ago
IT Senior Functional Analyst - ePPDS
Agropur
Longueuil, QC · ON · St-Hubert Campus
Full-time
The IT Senior Functional Analyst - ePPDS is responsible for leading the blueprinting, functional design, system configuration, and deployment of all solutions related to Production Planning…
Added 7 days ago
AP Analyst
Parkland Corporation
Calgary, AB
Full-time
Maintain vendor master data integrity by identifying potential issues and coordinating vendor setup and maintenance requests in accordance with established controls.
Added 5 days ago
Analyst, HR Operations
Brookfield
Toronto, ON
Full-time
As a member of the HR Service Desk (HRSD), the Analyst, HR Operations is responsible for delivering high-quality HR support to employees, managers, and the broader global HR team. The role…
Added 6 days ago
Analyst, HR Operations
Brookfield Asset Management
Toronto, ON · Brookfield Place
Full-time
As a member of the HR Service Desk (HRSD), the Analyst, HR Operations is responsible for delivering high-quality HR support to employees, managers, and the broader global HR team. The role…
Added 6 days ago
Senior Deal Desk Analyst ⭐
Achievers
Canada
Full-time
We are seeking a strategic and execution-focused Senior Analyst, Deal Desk to help evolve and mature our Deal Desk function. This is a hands-on individual contributor role that combines…
Added 5 days ago
Grants Financial Analyst-Research Operations Service and Support
CAMH
Toronto, ON
Reporting to the Manager, Finance and Research Services the full-time permanent Grants Financial Analyst will assist with all aspects of financial support for the Research business unit…
Added 8 days ago
Business & Data Analyst
Public Health Ontario
Toronto, ON
Full-time
Cross-Functional Collaboration: Partner with Finance, Laboratory Operations, and Digital & Data teams to define requirements and deliver insights aligned to organizational priorities.
Added 20 days ago
Board Certified Behavioural Analyst
Edmonton Catholic Schools
Edmonton, AB · Greater Edmonton Metropolitan Area
Temporary
The Behaviour Analyst utilizes assessment techniques to understand and address challenging behaviors in students, developing individualized interventions to promote adaptive skills and…
Added 13 days ago
Director, Corporate FP&A
TMX Group
Toronto, ON
$160,000 to $180,000 CAD / year
Full-time
…do this by spreading financial acumen; telling compelling, data-driven stories to spur action; bridging the knowledge gap between finance and operations; and assisting in the creation of…
Added 17 days ago
Sr. Manager, Digital Growth Marketing
Fairstone Bank
Toronto, ON
Full-time
Senior Analyst (Funnel Modeling, Attribution Networks, and Data Pipeline Integrity)
Added 14 days ago
Director, Corporate FP&A
TMX Group
Toronto, ON
$160,000 to $180,000 CAD / year
Full-time
…do this by spreading financial acumen; telling compelling, data-driven stories to spur action; bridging the knowledge gap between finance and operations; and assisting in the creation of…
Added 18 days ago
Sr. Manager, Digital Growth Marketing
Fairstone Bank
Toronto, ON
Full-time
Senior Analyst (Funnel Modeling, Attribution Networks, and Data Pipeline Integrity)
Added 20 days ago
Data Analyst
MatchBox Consulting Group
Edmonton, AB
Contract
MatchBox Consulting Group is currently seeking a Data Analyst for a 12 month contract role at a client of ours located in Edmonton
Added 21 days ago
Senior Analyst, Seller Planning
Walmart Canada
Mississauga, ON
Full-time
The Senior Analyst will act as a central point of coordination across sellers and internal teams, proactively identifying onboarding barriers, driving issues to resolution and creating…
Added 20 days ago
Assistant Manager, Lending Services, Corporate Credit (GWO)
Scotiabank
Toronto, ON
The incumbent is responsible for providing, and if directed leading a team of deal analyst in delivering, quality administrative services to Corporate Clients relative to the set up and…
Added 21 days ago
Senior Analyst, Asset Management
CMHC - SCHL
Ottawa, ON · Toronto, ON · Montreal, QC
…Items (CIs), Software Entitlement (SWEs), inventory management, data integrity, asset reconciliation, asset lifecycle management and controls, ServiceNow reporting, and the administration,…
Added 21 days ago
Sr. Financial Analyst Reporting Operations NA
Magna International
Aurora, ON
Full-time
To support the North American Operations of Magna Powertrain in the consolidation and financial reporting processes, including monthly analysis of operating results, validation of data…
Added 22 days ago
HR - Senior Analyst, Payroll & Benefits (Mon-Fri Days)
RainCity Housing and Support Society
Vancouver, BC
The Senior Analyst, Payroll & Benefits is the senior technical payroll role within RainCity’s HR Systems & Operations function. Reporting directly to the Director of HR, Systems and…
Added 22 days ago
Yardi Specialist, Accounting Systems and Automation
Tridel Group of Companies
Toronto, ON
Support accounting operations, including month-end close, budgeting, forecasting, fixed assets, EFT processing, audit support, and financial data integrity.
Added 1 month ago
Financial Analyst
FYidoctors
AB
Full-time
Join our FP&A team as a Financial Analyst! As a key member of the FP&A team, you’ll support budgeting, forecasting, performance analysis, and management reporting across the organization.…

Elective

Senior Credit Risk Analyst

Vancouver, BC, Canada

Job type: Full-time
Apply by: Mar 17, 2027
Experience: Experience: 2–5 years of experience in credit risk, underwriting, financial services advisory, or related areas.
Posting language: English
Posted: Sep 18, 2026

Apply About employer

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Original job description

About the Role:

Elective is a Vancouver-based Series A fintech that has built the industry's first "Learn Now, Pay Later" solution designed to help world-class course creators, coaches, and educators sell more effectively. To date, Elective has supported over 100,000 consumers across North America investing in their education, all underwritten, funded, and serviced by Elective. The company has proven product-market fit with 8+ figures in revenue, more than doubling the business over the last 12 months, all profitably and without any dedicated sales or marketing spend.

As a Senior Credit Risk Analyst you will join a growing team, reporting directly to the Head of Finance & Risk while also working closely with our Co-Founder & CEO. In this role you will own various credit risk, merchant risk, and operational initiatives that are critical to the company’s growth and performance.

We are looking for a highly analytical, proactive, and detail-oriented individual who thrives in a dynamic startup environment and is passionate about driving business growth and operational excellence. This individual will have an opportunity to work with a talented team and learn a lot in a short period of time.

This is a dynamic, high visibility, role that will evolve with the business and no day will be the same. You’ll work on key projects that directly impact the company’s direction while building a well-rounded skillset along the way.

Ongoing Responsibilities:

Spearhead merchant underwriting and onboarding workflows end-to-end, applying sound judgement to cases that fall outside of our standard underwriting criteria.
Build on existing merchant underwriting and risk assessment to augment frameworks for better underwriting outcomes.
Partner with new and existing merchants to develop tailored pricing proposals that balance competitiveness with risk-adjusted returns.
Analyze loan book performance to identify emerging risks and opportunities; deliver actionable recommendations to enhance portfolio returns and mitigate losses.
Provide analytical support and recommendations on our evolving consumer underwriting model by evaluating the use of new and existing data points to improve credit outcomes.
Own and deliver monthly risk reporting to management that supports and drives strategic decision making and credit policy.
Own and deliver weekly reports on merchant risk and portfolio health, providing actionable recommendations that balance origination volume and risk-adjusted returns.
Work with management to support the design and launch of new credit products, supporting financial modeling, risk assessment, and go-to-market analysis and strategy.
Leverage AI tools and automation to build new workflows and improve the efficiency and scalability of existing operations.
Support the business on the implementation of new policies, procedures, or ad hoc projects and analysis as they may arise.

About You

Education: Bachelor degree or equivalent in business, economics, or a related area.
Experience: 2–5 years of experience in credit risk, underwriting, financial services advisory, or related areas. Bonus points if you’ve worked in a startup or fintech environment.
AI Proficiency: Demonstrated ability to utilize artificial intelligence tools, in personal projects or professional settings, to streamline workflows, boost efficiency, or innovate solution building.
Problem Solving & Technical Aptitude: Demonstrated ability to navigate complex, ambiguous challenges both independently and collaboratively, backed by advanced Excel and working fluency in SQL and Python or R. You should be able to write and debug your own queries against a production lending database, and know when a result is wrong. Use whatever AI tooling you like to get there. We care that you can verify the output, not that you typed it.
Intellectual Curiosity & Adaptability: A natural appetite for continuous learning and a readiness to step outside your comfort zone to master new concepts.
Entrepreneurial Drive: Comfortable operating with autonomy in dynamic, fast-paced environments, taking complete ownership over results even amidst ambiguity.
Communication & Storytelling: Exceptional verbal and written communication skills, with a talent for translating complex data into compelling narrative insights.
Cross-Functional Collaboration: Strong relational skills grounded in high integrity and low ego, enabling seamless collaboration with a broad range of stakeholders.

Why Elective?

Strong Traction: Our rapid growth means your work will directly impact thousands of customers, driving our continued success.
Impact: You will get to shape the culture of Elective. “The early team you build is the company you build.” Your impact will be immediate and lasting.
Competitive Compensation: we reward exceptional work and want to attract the best talent.
Laptop & Equipment: We’ll make sure you’re set up for success with a company-owned laptop and relevant accessories.
Learning & Development Stipend: An annual $1,000 Learning & Development budget for courses, books, conferences, seminars, and more.
Extended Health Care Benefits: Comprehensive benefits including health, vision, and dental coverage for you and an additional wellness spending account.

This is a hybrid, full-time role based in our downtown Vancouver office. You will be required to work on-site three days per week.

Elective is committed to paying our team members fairly, clearly, and above all, paying for growth. The estimated salary range for this role is $80,000 to $110,000. Your specific salary will be determined based on your job-related skills, knowledge, experience, and our internal assessment. It is possible to join Elective at a salary above or below this range and this range does not include any discretionary bonuses or benefits. This range does not include benefits or the performance bonus, which typically runs up to 10% of salary. You'll continue to have conversations about your career development with your manager, and you'll see your compensation grow over time as you grow with us.

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More about this job

Responsibilities

The Senior Credit Risk Analyst will spearhead merchant underwriting workflows and analyze loan book performance to identify risks and opportunities. They will also provide analytical support for consumer underwriting models and deliver regular reporting to drive strategic decision-making.

Requirements

Candidates must have a bachelor's degree and 2–5 years of experience in credit risk, underwriting, or financial services. Proficiency in Excel, SQL, and Python or R is required, along with a demonstrated ability to utilize AI tools for operational efficiency.

Skills

Credit risk
Underwriting
Financial modeling
Risk assessment
Data analysis
Excel
SQL
Python
R
AI tools
Portfolio management
Reporting
Strategic decision making
Communication
Merchant risk

Benefits

Laptop
Equipment
Learning & Development Stipend
Extended Health Care Benefits
Health coverage
Vision coverage
Dental coverage
Wellness spending account
Performance bonus

Visa sponsorship

Not detected in the job text

Keywords

Credit Risk
Underwriting
Fintech
Financial Services
Merchant Risk
Portfolio Health
Financial Modeling
Data Analysis
SQL
Python
R
Excel
AI Tools
Automation
Risk Assessment
Reporting
Strategic Planning
Loan Book
Series A
Startup

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