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Added 1 day ago
H
IT Project Manager
HrBrain
Featured · Posted directly by employer
Waterloo, ON
- $70 CAD / hour
- Contract
Partner closely with the Product Owner, business stakeholders, technology teams, architects, vendors, and other delivery partners to coordinate priorities and maintain delivery alignment.
Added 7 mins ago
JS
Business Development Manager
JFE Shoji Power Canada Inc.
Burlington, ON
- $115,000 to $130,000 CAD / year
- Full-time
The Business Development Manager is responsible for driving revenue growth through the development, expansion, and retention of long-term client relationships. This role manages complex,…
Added 8 mins ago
IF
Manager, Service Delivery – Western Region
Intact FC
Calgary, AB
- Full-time
As Manager, Service Delivery – Western Region, you will play a pivotal role in shaping the future of regional workplace technology services. You will lead a talented multidisciplinary team…
Added 8 mins ago
OC
Liquor Store Associate - PT (Westgate)
Otter Co-op
Surrey, BC
- $18.25 to $21.15 CAD / hour
- Part-time
…Fraser Valley and BC Interior since 1922. With over 103 years in business and over 600 in our team, we are proud to be a locally owned and community minded member of the neighbourhoods we…
Added 8 mins ago
BC
Account Coordinator
Berlin Communications
Edmonton, AB
- Full-time
Project planning with the support of an Account Manager or Supervisor lead
Added 8 mins ago
IT Specialist / Spécialiste en informatique
Citylogix
Montreal, QC
Reporting to the IT Manager, the IT Specialist plays a critical role in maintaining and optimizing our internal technology environment. This role ensures the reliability, security, and…
Added 8 mins ago
Marketing Coordinator
Appnovation Technologies
Vancouver, BC
…moving, and is genuinely curious about AI and how it is changing…
Added 8 mins ago
F
Bid & Pricing Manager
Fortinet
Toronto, ON
- Full-time
The Bid & Commercial Manager is responsible for managing complex bids and commercial proposals from opportunity qualification through contract signature. The role combines bid orchestration…
Added 8 mins ago
Product Analyst, Global Capital Markets (GCM) Transformation - Toronto, ON
Scotiabank
Toronto, ON
Gather, document, and maintain business requirements, user stories, process flows, and acceptance criteria with oversight from the Product Manager
Added 8 mins ago
Senior Manager, Loyalty Acquisition
Scotiabank
Toronto, ON
Own the loyalty engagement roadmap end to end: opportunity sizing, business case, prioritization, build, launch and post-launch optimization.
Added 8 mins ago
Manager, Regulatory Trade Reporting (GWO)
Scotiabank
Toronto, ON
The Manager leads a team within Global Wholesale Operations responsible for driving an effective and efficient OTC Regulatory Reporting Control & Monitoring. This team ensures Scotiabank is…
Added 8 mins ago
E
Senior Advisor Commercial Portfolio Planning
Enbridge
Calgary, AB
- Full-time
…critical commercial decisions across Enbridge’s Liquids Pipelines business. You will combine asset knowledge, market fundamentals, commercial frameworks, and financial valuation to evaluate…
Added 8 mins ago
Associate Product Manager, Global Capital Markets (GCM) Transformation - Toronto, ON
Scotiabank
Toronto, ON
Associate Product Manager, Global Capital Markets (GCM) Transformation – Toronto, ON
Added 8 mins ago
E
Senior Specialist Commercial Portfolio Optimization
Enbridge
Calgary, AB
- Full-time
…supports critical decisions across Enbridge’s Liquids Pipelines business. You will combine financial valuation, market fundamentals, asset knowledge and commercial insight to evaluate…
Added 8 mins ago
MI
Buyer
Magna International
Milton, ON
- Full-time
Post-secondary education in Business Administration or Materials Management
Added 8 mins ago
Service Management Analyst
Hydro One Networks Inc
ON · Rexdale, ON
…internal and external Telecom customers and support the Service Manager. We are seeking a highly analytical and business-focused analyst to transform complex data into meaningful insights…
Added 8 mins ago
ON
Labour Relations Officer - Servicing
Ontario Nurses' Association
Thunder Bay, ON
- Full-time
…existing vacancy. This position will report to the Regional Manager, Contract Administration- Region 1/Negotiations Lead. The successful candidate is accountable for guiding and supporting…
Added 8 mins ago
ON
Administrative Services Clerk
Ontario Nurses' Association
Toronto, ON
- Full-time
…posting is for an existing vacancy. This position reports to the Manager, Building & Administrative Service, and will work within the general provision of Administrative Services on a…
Added 22 mins ago
LB
Sales Intern - Toronto, Canada
Linkor Business Intelligence
Toronto, ON
- Internship
We are looking for a student in marketing, communications, or business who is organized, autonomous, creative, curious with a strong sense of team spirit, for the opportunity Sales Intern.…
Added 22 mins ago
R
Credit Risk Analyst
Relay
Toronto, ON
- Full-time
Relay is a digital banking platform that gives self-made business owners the tools and know-how to be great with money - bringing clarity, confidence, and control to every dollar earned, so…
Added 22 mins ago
R
Gérant Matériaux/Pro
RONA
Sherbrooke, QC
- Full-time
Carry out merchandising duties according to the Store Manager’s directions
Added 22 mins ago
RG
Architectural Specifications Manager - Central Canada
ROCKWOOL Group
Toronto, ON
- $115,000 to $130,000 CAD / year
- Full-time
ROCKWOOL is seeking an Architectural Specifications Manager – Central Canada to join our Architectural Sales Team. The ideal candidate will be based in the Greater Toronto Area (GTA), with…
Added 22 mins ago
AS
Sales Associate
Apple Self Storage
Belleville, ON
- $18 to $20 CAD / hour
- Part-time
As a Sales Associate, you support your manager and customers at your storage location. You drive sales and make sure customers have a great experience - all while ensuring the site is safe,…
Added 22 mins ago
B
2027 Financial Analyst Opportunities
Brookfield
Toronto, ON
- Full-time
Brookfield Asset Management is a leading global alternative asset manager with over US$1 trillion of assets under management across real estate, infrastructure, renewable power and…
Added 22 mins ago
SC
Operations Analyst - Entry to Mid Level
Sustainability consulting
Canada
- Full-time
Career progression into Senior Operations Analyst, Business Analyst, Operations Manager, Strategy Analyst, or Process Improvement roles.
Added 23 mins ago
W
Manager - Sales - Communications & Security Solutions
Wesco
Calgary, AB
- Full-time
As a Manager – Sales, you will provide strategic direction and progressive leadership to achieve sales and profit goals within a region, specific line(s) of business or channels. You will…

Relay

Credit Risk Analyst

Toronto, ON, Canada

Full-time

Apply About employer

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Job details

Job type: Full-time
Apply by: Dec 9, 2026
Posting language: English
Posted: Nov 9, 2026

Original job description

Relay is a digital banking platform that gives self-made business owners the tools and know-how to be great with money - bringing clarity, confidence, and control to every dollar earned, so they can turn hard work into lasting success. We do this by replacing financial guesswork with real visibility, transforming cash flow from a constant source of stress into a clear signal owners can use to run stronger, more resilient businesses.

You will play a pivotal part on the Credit team, reporting to our VP, Credit. We are expanding our charge card offering, and this role helps decides who gets credit, how much, and when to pull it back. Your mission: put the right limits in the hands of Relay's largest customers and keep that portfolio healthy as it scales.

What You'll Be Doing

Underwrite our largest customers by hand. Spread income statements and balance sheets and set limits after manually reviewing the business and financial risk of those entities..
Watch the portfolio without watching every account. Build AI-assisted monitoring for financial and qualitative risk signals.
Build pre-approval lists for sales. Review existing Relay customers who don't yet have a card, and work with the Sales team on a cross-sell motion.
Partner closely with revenue. Explain credit decisions in plain language, work through requests for larger limits, and join customer conversations when we need their financials.
Keep credit policy current with our funding partner. Make sure what we approve stays within the policy our partner will fund, and update that policy as the portfolio grows.
Own charge card escalations. Be the expert Customer Experience escalates to for documentation requests, decline reasons and credit questions they can't resolve.
Build what isn't there yet. Find the next process, report or tool the function needs, and build it.

Who You Are

You've done manual commercial credit underwriting at a corporate or commercial card issuer, from large issuers to card-focused fintechs. US experience is not required.
You're strong at financial statement analysis. You can spread statements and defend a limit from the balance sheet, income statement and liquidity picture.
You use AI and data tools to work faster, and you can show how they've changed the way you underwrite or monitor a portfolio.
You work well with sales. You can explain a decline or a smaller limit without losing the relationship.
You figure out what work needs doing instead of waiting for the next case in the queue.

Bonus points

SQL, especially in Snowflake
Experience spreading statements in Heron or a similar tool
Familiarity with S&P or Moody's financial statement models and business credit bureaus
Experience as a risk partner embedded with a sales team

The Interview Process

Stage 1: A 45-minute Google Meet video call with a member of our Talent team
Stage 2: A 30-minute Google Meet video call with the Hiring Manager
Stage 3: A 45-minute Live Session with the Hiring Team
Stage 4: A 45-minute Google Meet video call with a member of our leadership team

Our Compensation Approach

We believe Relayers should feel rewarded for the impact they have on our mission and growth. Compensation follows impact. As impact increases, compensation grows, and we do not limit compensation changes to a once-a-year review cycle.

The annual salary range for this role is $72,900 CAD to $89,100 CAD.

For candidates who demonstrate full readiness for the defined scope of the role, the typical starting salary is $81,000 CAD. Offers below this point reflect candidates we believe can grow into the full scope of the role with support and development. Offers above this point reflect impact that meaningfully exceeds the role’s defined expectations or an expanded scope from day one.

We encourage you to have a conversation with your recruiter and ask questions about compensation throughout the hiring process. For more information on our compensation philosophy and perks and benefits, visit our Candidate Hub.

Why Relay Might Be the Perfect Fit For You

You push relentlessly for reinvention: You're always asking "how can this be better?" -- in your work, in your craft, in yourself. Comfort is a signal to push harder, not coast. You'd rather build something better than defend something familiar.
You crave autonomy: We trust our team with big challenges and the freedom to solve them. If you’re someone who takes initiative, is comfortable taking risks, and seeks input when needed, you’ll find the freedom here empowering.
You own your work: You take pride in your work, follow through on commitments, and feel a deep sense of responsibility for outcomes, not just tasks.
You build with AI, not just use it: You're actively embedding AI into how you work, pushing what's possible, and bringing your team along with you.
You care about impact, not noise: You care deeply about the substance of your work. You measure success by results, not recognition, and you let your work speak for itself.
You’re energized by complexity and ambiguity: You enjoy tackling problems that don’t come with a playbook. You’re comfortable building from scratch, iterating as you go, and collaborating to shape the best path forward.
You seek out feedback: You see directness as respect, not criticism. You actively seek input, sit with hard truths, and use feedback as fuel for improvement.
Small businesses are why we're here: Relay exists to help them thrive -- and that mission has to resonate with you.

Join Us

We're looking for people who are relentless, curious, and care deeply about the work. You're encouraged to apply even if your experience doesn't perfectly match the job description -- your perspective and drive matter more. We welcome diverse backgrounds and people who think critically, challenge the status quo, and want to help small businesses thrive.

If you require accommodations at any stage of the hiring process, please reach out to your Talent Partner.

Disclaimer: For compliance reasons, all offers of employment at Relay are conditional upon a successful background check and employment verification through Certn.

Important Notice: Relay’s recruitment team only contacts candidates and corresponds from official corporate email addresses ending in @relayfi.com. We will never ask for sensitive personal data (such as bank account details, credit card numbers, or social security/insurance numbers) during the initial application or interview stages.

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More about this job

Responsibilities

Manually underwrite large business customers for charge cards by analyzing financial statements, assessing risk, and setting appropriate credit limits. Monitor portfolio health using AI-assisted tools, support sales and customer teams with credit decisions, maintain funding-partner policy alignment, and build processes and tools as the function grows.

Requirements

Candidates should have experience in manual commercial credit underwriting at a corporate or commercial card issuer and strong financial statement analysis skills. They should be able to use AI and data tools to improve underwriting or portfolio monitoring, communicate credit decisions effectively, and work proactively with sales; SQL, Snowflake, Heron, financial statement models, and business credit bureau familiarity are advantageous.

Skills

Commercial Credit Underwriting
Financial Statement Analysis
Credit Risk Assessment
Credit Limit Setting
Portfolio Monitoring
AI-Assisted Risk Monitoring
Credit Policy Management
Liquidity Analysis
Sales Partnership
Customer Communication
SQL
Snowflake
Heron
Business Credit Bureaus
Process Development

Visa sponsorship

Not detected in the job text

Keywords

Commercial Credit Underwriting
Charge Cards
Credit Risk
Financial Statement Analysis
Income Statements
Balance Sheets
Liquidity Analysis
Credit Limits
Portfolio Monitoring
AI-Assisted Monitoring
Risk Signals
Credit Policy
Funding Partner
Pre-Approval Lists
Cross-Selling
Sales Partnership
Customer Experience
SQL
Snowflake
Heron
S&P Financial Statement Models
Moody's Financial Statement Models
Business Credit Bureaus
Financial Risk
Qualitative Risk

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