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Added 12 days ago
Manager, Cards Credit Strategy and Data Analytics
Royal Bank of Canada
Toronto, ON
Full-time
The RBC Credit Strategy team is hiring a Manager, Cards Credit Strategy & Data Analytics. You will use analytics to develop credit strategies to grow RBC Revenue and manage risk to…
Added 12 days ago
Manager, Cards Credit Strategy and Data Analytics
RBC
Toronto, ON
Full-time
The RBC Credit Strategy team is hiring a Manager, Cards Credit Strategy & Data Analytics. You will use analytics to develop credit strategies to grow RBC Revenue and manage risk to…
Added 20 days ago
Manager, Cards Credit Strategy and Data Analytics
RBC
Toronto, ON
Full-time
The Manager, Cards Credit Strategy & Data Analytics will use advanced analytics to develop credit strategies to grow RBC revenue and manage risk to ultimately optimize portfolio…
Added 18 days ago
Manager, Cards Credit Strategy and Data Analytics
Royal Bank of Canada
Toronto, ON
Full-time
The Manager, Cards Credit Strategy & Data Analytics will use advanced analytics to develop credit strategies to grow RBC revenue and manage risk to ultimately optimize portfolio…
Added 2 months ago
Manager, Credit Modeling and Strategy
Flexiti
Toronto, ON · North York, ON
Full-time
Supporting the Senior Manager, Credit Modelling & Strategy, this role will be responsible for developing credit modeling and strategies for credit cards and other lending products. This…
Added 2 months ago
Manager, Credit Modeling and Strategy (Flexiti)
Questrade Financial Group
Toronto, ON
Supporting the Senior Manager, Credit Modelling & Strategy, this role will be responsible for developing credit modeling and strategies for credit cards and other lending products. This…
Added 2 months ago
Manager, Credit Modeling and Strategy
Questrade Financial Group
Toronto, ON
Supporting the Senior Manager, Credit Modelling & Strategy, this role will be responsible for developing credit modeling and strategies for credit cards and other lending products. This…
Added 1 month ago
Senior Manager, Credit Risk Strategy Oversight
BMO
Toronto, ON · BMOPLACE
Full-time
Join a purpose‑driven team at the core of BMO’s risk management ecosystem. As the Senior Manager, Credit Risk Strategy Oversight, you will provide independent, forward‑looking challenge on…
Added 12 days ago
Senior Manager, Credit Management
TD
Winnipeg, MB · Regina, SK · Saskatoon, SK
Full-time
Lead a team of Credit Analysts, providing guidance, leadership, coaching and development to ensure business results and professional / personal development objectives are achieved for the…
Added 1 month ago
Manager, Credit Risk Strategy Oversight
BMO
Toronto, ON · BMOPLACE
Full-time
Join a purpose‑driven team at the center of BMO’s risk management ecosystem. As a Manager, Credit Risk Strategy Oversight, you will provide specialized analytics, structured challenge, and…
Added 26 days ago
Manager, Credit Modeling & Analytics
Capital One
Toronto, ON
Full-time
161 Bay Street (93021), Canada, Toronto,Toronto, Ontario,Manager, Credit Modeling & Analytics
Added 27 days ago
Senior Manager, Rewards and Linked Loyalty Finance
RBC
Toronto, ON
Full-time
As Senior Manager, FP&A – Everyday Rewards & Linked Loyalty, you will drive strategic financial insights that accelerate growth in one of RBC's most important portfolios. You will translate…
Added 22 days ago
Senior Manager, Rewards and Linked Loyalty Finance
Royal Bank of Canada
Toronto, ON
Full-time
As Senior Manager, FP&A – Everyday Rewards & Linked Loyalty, you will drive strategic financial insights that accelerate growth in one of RBC's most important portfolios. You will translate…
Added 23 days ago
Senior Advisor, Energy and Emissions Strategy
TransLink
Vancouver, BC · Greater Vancouver, BC
$91,840 to $137,760 CAD / year
Full-time
As a member of a multi-disciplinary Enterprise Sustainability Department, under the CFO, the Senior Sustainability Lead -Energy and Emissions Strategy works collaboratively across the…
Added 20 days ago
Senior Manager, Market Data and Analytics (Contract)
Scotiabank
Toronto, ON
Are you passionate about financial markets and eager to apply analytical skills in a fast-paced environment? Do you thrive in an environment that challenges you to lead innovative…
Added 9 days ago
Senior Manager, Business Banking Lending Acquisition
BMO
Toronto, ON · BMOPLACE
Full-time
The Senior Manager, Business Banking Lending Acquisition plays a pivotal role in designing, developing, and executing advanced credit acquisition strategies across the full suite of…
Added 1 month ago
Director, Credit Risk Strategy Optimization Oversight
BMO
Toronto, ON · BMOPLACE
Full-time
Join a purpose‑driven team at the core of BMO’s risk management ecosystem. As the Director, Credit Risk Strategy Optimization Oversight, you will lead the end‑to‑end optimization,…
Added 11 days ago
Senior Manager / Director, National Accounts
CIBC
Toronto, ON
Full-time
Business Development - Plan, implement and maintain an effective business development strategy to expand and protect share of National Account clients, utilizing an extensive network of…
Added 6 days ago
Associate Senior Manager, Commercial Services
TD
Concord, ON
Full-time
This role is responsible for leading a team of Account Managers in structuring credit and managing operations. Provide guidance, leadership, coaching and development to ensure business…
Added 11 days ago
Senior Manager, Commercial Services
TD
Toronto, ON
Full-time
This role is responsible for leading a team of Account Managers in structuring credit and managing operations. Provide guidance, leadership, coaching and development to ensure business…
Added 6 days ago
Senior Manager, Commercial Services - 417
TD
Ottawa, ON
Full-time
This role is responsible for leading a team of Account Managers in structuring credit and managing operations. Provide guidance, leadership, coaching and development to ensure business…
Added 1 day ago
Senior Credit Risk Analyst
Elective
Vancouver, BC
Full-time
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.
Added 9 days ago
Senior Manager, Revenue Operations
Lightspeed Commerce, Inc.
Remote, Canada
Full-time · Remote
As the Senior Manager, Revenue Operations, you will lead two critical global pillars for Lightspeed: our Sales & Partner Commissions engine and the RevOps Capital GTM optimization &…
Added 9 days ago
Senior Manager, Revenue Operations
Lightspeed Commerce, Inc.
Remote, Canada
Full-time · Remote
As the Senior Manager, Revenue Operations, you will lead two critical global pillars for Lightspeed: our Sales & Partner Commissions engine and the RevOps Capital GTM optimization &…
Added 22 days ago
Senior Manager, Quantitative Strategies & Analytics, Global Investment Solutions
Scotiabank
Toronto, ON
The Senior Manager provides analytical expertise to support the development, validation, monitoring, reporting, and documentation of quantitative models that enhance the investment process.…

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

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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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