Credit Risk Analyst

Company Description

Grow Financial lends to Canadian technology companies against their SR&ED tax credits, so founders can get cash months before CRA pays their refund. We provide $100K to $1M in non-dilutive financing to founder-led companies, mostly in software and hardware, and we run the business on our own tech platform. Our capital lets Canadian innovators keep hiring and building without giving up equity.

Role Description

Founding Credit Analyst · Toronto · Full-time

This is not a seat in a big bank’s analyst class. You’ll learn to underwrite SR&ED loans directly from the founder, help run the platform behind the business, and own client files from application to repayment. The role comes with equity and, for the right person, a real path to CEO within five years.

What you’ll do:

• Underwrite SR&ED loans. Analyze financial statements, T2 returns, bank statements and SR&ED claims, and write clear credit recommendations.
• Run the platform. Keep our loan management system, CRM and automated underwriting workflows accurate. You’ll work in Lovable, Supabase, n8n, Zoho and AI tools every day.
• Monitor the portfolio. Track draws, compliance certificates, CRA refunds, lien registrations and repayments so nothing is missed.
• Work with clients. Be the day-to-day contact for founders and CFOs: collect documents, answer questions and keep deals moving.
• Improve how we work. Find manual steps and automate them.

What we offer:

• Equity in the business
• A real path to CEO within five years
• Hands-on training in SR&ED lending from a founder with a long track record in Canadian SR&ED financing
• Real responsibility from your first week, with exposure to credit, fund operations and fintech product
• Compensation suited to an early-career role

Qualifications

• You read an income statement and balance sheet comfortably and understand how they tie to cash
• You’re tech forward: you pick up new tools quickly and enjoy building better workflows
• You’re accurate and process-driven, and you catch what doesn’t reconcile
• You communicate clearly and can talk to founders and CFOs with confidence
• You’re intrinsically motivated and entrepreneurial, and you’d rather build something than maintain it
• No credit experience required. We’ll train you.

Nice to have:

• Some coding (Python, SQL or JavaScript) or experience with automation and no-code tools
• An Ivey HBA, MBA, or a commerce, finance or engineering degree
• Exposure to credit, accounting, SR&ED or startups

To apply, send your résumé and a few lines about something you built, automated or fixed to careers@growfi.ca, or apply through LinkedIn.