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Financial Governance, Audit & Internal Controls Analyst, Winter 2027 (Co-op/Internship) - 4 Months
BMO
Toronto, ON
- Full-time
…methods governance is implemented, managed, and monitored in the business/group. The governance framework includes policies, guidelines and provides programs, practices and measures to…
Added 11 mins ago
FC
Program Lead, Enterprise CRM (Higher Education)
Fanshawe College
London, ON
- Full-time
…advancement, and alumni relations. The role brings together business and technology partners to improve processes, align data and systems, and design student-centred experiences that…
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Total Rewards Analyst
Winpak
Winnipeg, MB
- Full-time
Winpak Corporate is seeking a Total Rewards Analyst to join its Corporate Human Resources team based in Winnipeg, Manitoba. Reporting to the Manager, Total Rewards, you will turn complex…
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Market Risk Analyst (5382)
TD
Toronto, ON
- Full-time
…job-related knowledge, geographic location, and other specific business and organizational…
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Credit Risk Analyst
Relay
Remote, Canada
- Full-time
- Remote
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 26 mins ago
TP
Analyst, Terminal Services and Standards (Term Opportunity - One Year)
Toronto Pearson International Airport
Toronto, ON
- Temporary
…agreements ensuring service level standards are adhered to. The analyst will maintain a strong working relationship with stakeholders to resolve issues to drive operational…
Added 26 mins ago
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Actuarial Analyst
Valani Global
Toronto, ON
- Full-time
We are seeking a highly motivated and detail-oriented Actuarial Analyst to join our Property & Casualty team at Valani Global. The successful candidate will play a pivotal role in analyzing…
Added 26 mins ago
CG
Intermediate Analyst, Logistics (Nuclear)
Calian Group
Tiverton, NS
- Full-time
The Intermediate Analyst plays a critical role in supporting project and operational success within Nuclear. Working under minimal supervision, the incumbent contributes to complex projects…
Added 26 mins ago
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Commercial Credit Analyst
Kelly
Toronto, ON
- Contract
We are seeking a detail-oriented Commercial Credit Analyst to support a high-volume commercial banking operations team. This role provides valuable exposure to commercial lending, credit…
Added 26 mins ago
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Operations Analyst - Entry to Mid Level
Sustainability consulting
Canada
- Full-time
We are seeking a detail-oriented and analytical Operations Analyst to support business operations through data analysis, process improvement, and performance monitoring. This role is…
Added 26 mins ago
IC
Junior Data Analys
Integ consulting
Canada
- Full-time
We are seeking a detail-oriented and analytical Junior Data Analyst to support data collection, reporting, and business intelligence initiatives. This role is ideal for recent graduates or…
Added 26 mins ago
BC
Test Analyst
BK CONSULTING GABON
Canada
- Full-time
We are seeking a detail-oriented and quality-focused Test Analyst to ensure the reliability, functionality, and performance of software applications. This role is responsible for designing…
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Data Analyst - Viva Engage
BeachHead
Toronto, ON
- $50.35 to $60.42 CAD / hour
- Contract
Working with one of our top financial clients, this role calls for a Data Analyst - Viva Engage to support enterprise communication analytics. This opportunity offers end-to-end ownership…
Added 26 mins ago
RC
Renewable Energy Analyst (Remote Working)
Renewable Careers
Canada
- Full-time
Communication Skills: The ability to translate dense, technical scientific metrics into clear, actionable business insights for non-technical stakeholders.
Added 26 mins ago
CG
Intermediate Analyst, Logistics (Nuclear)
Calian Group
Kincardine, ON
- Full-time
The Intermediate Analyst plays a critical role in supporting project and operational success within Nuclear. Working under minimal supervision, the incumbent contributes to complex projects…
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Senior Software Engineer in Test
EngRadar
Toronto, ON
- Full-time
…platform upgrade. Team placement will be based on experience and business…
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Product Analyst, Global Capital Markets (GCM) Transformation - Toronto, ON
Scotiabank - Global Banking and Markets
Toronto, ON
- Full-time
Global Banking and Markets (GBM) conducts the Bank’s wholesale banking and capital markets business with corporate, government and institutional investor clients. GBM is a full-service…
Added 26 mins ago
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Clinical Trial Financial Control Analyst, Oncology Portfolio
RI-MUHC | Research Institute of the MUHC | #rimuhc
Montreal, QC
- Full-time
We are seeking a Clinical Trial Financial Control Analyst to provide independent financial control and reconciliation for Oncology-sponsored clinical research studies. Reporting within the…
Added 26 mins ago
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Senior Financial Analyst
Trisura
Toronto, ON
- Full-time
Reporting to the Manager, Finance, the Senior Financial Analyst will play a key role in regulatory, reinsurance and financial reporting. The position will be responsible for preparing the…
Added 26 mins ago
MI
Unitrax QA Analyst
Maarut Inc
Montreal, QC
- Contract
A Quality Assurance (QA) and User Acceptance Testing (UAT) Analyst role tied to the Unitrax recordkeeping platform focuses on testing and verifying investor recordkeeping, transfer agency…
Added 26 mins ago
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Data Analyst - Marketing/Communications/Product Analytics
Global Technical Talent, an Inc. 5000 Company
Toronto, ON
- $45 to $50 CAD / hour
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Data Analyst Python - Marketing/Communications/Product analytics
Added 26 mins ago
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Account Rep (Co-op position)
D&H Distributing
Mississauga, ON
- Internship
Analyst – Vendor Management (Intern-Summer 2025)
Added 26 mins ago
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Human Resources Information Systems (HRIS) Analyst {NU C-26-053}
North Bay Regional Health Centre (NBRHC)
North Bay, ON
- $43.5 to $54.37 CAD / hour
- Full-time
North Bay Regional Health Centre is seeking a highly motivated HRIS Analyst to join our Information Systems team. This role is responsible for the analysis, configuration, maintenance, and…
Added 26 mins ago
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Analyste d’affaires (ITSM & Automatisation)
CGI
Montreal, QC
- Full-time
CGI Montréal is looking for a Business Analyst to analyze and document ITSM/ITIL processes in order to identify the adjustments required to support SOX compliance. In this role, you will…
Added 26 mins ago
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Analyst, Business (temp.)
Agnico Eagle Mines Limited
Mirabel, QC
- Full-time
Reporting to the Senior Business Analyst, the Business Analyst will perform his/her duties as a member of the Finance departments and collaborate with other departments of the division.…

Relay

Credit Risk Analyst

Remote, Canada

Remote

Full-time

Apply About employer

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Job details

Job type: Full-time
Workplace: Remote
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

The Credit Risk Analyst will underwrite large customer accounts, set credit limits, and build AI-assisted monitoring systems for financial risk. They will also partner with the sales team to manage cross-sell motions and ensure credit policies remain compliant with funding partners.

Requirements

Candidates must have experience in manual commercial credit underwriting at a corporate or commercial card issuer. Strong proficiency in financial statement analysis and the ability to use AI and data tools to optimize underwriting processes are required.

Skills

Credit Risk Analysis
Financial Statement Analysis
Underwriting
Portfolio Monitoring
SQL
Snowflake
AI Tools
Risk Assessment
Commercial Credit
Data Analysis
Financial Modeling
Communication
Cross-functional Collaboration
Credit Policy Management

Visa sponsorship

Not detected in the job text

Keywords

Credit Risk
Underwriting
Financial Statements
Balance Sheets
Income Statements
AI-assisted Monitoring
SQL
Snowflake
Heron
S&P
Moody's
Credit Bureaus
Charge Card
Fintech
Risk Management
Portfolio Management
Data Analysis
Commercial Banking
Credit Policy
Customer Experience

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