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Added 3 mins ago
IM
Workforce Initiatives Coordinator
International Minerals Innovation Institute
Saskatoon, SK
- Full-time
IMII funds a variety of projects through its innovation and workforce programs. We are looking for a team member to lead the strategic development and delivery of workforce development…
Added 3 mins ago
JS
Safety Specialist (Contract)
JFE Shoji Power Canada Inc.
Burlington, ON
- $80,000 to $90,000 CAD / year
- Temporary
…embraces safety. We have a proactive safety attitude where every team member is empowered to care for each other and take responsibility for keeping everyone safe. By embodying the ICare…
Added 3 mins ago
RM
Occupational Therapist
Ross Memorial Hospital
Kawartha Lakes, ON · Lindsay, ON
- Full-time
…Kawartha Lakes. Among our acute and continuing care services, our team cares for 45,000 patients per year in the 24/7/365 emergency department, provides orthopedics and ophthalmology,…
Added 3 mins ago
UH
Occupational Therapist - Toronto Rehab - Outpatient Brain Program
University Health Network
Toronto, ON
- Full-time
Participate as a member of the interprofessional team with the purpose of assessing client needs
Added 3 mins ago
BL
Legal Administrative Assistant - Commercial Litigation
BC Legal Management Association
Vancouver, BC
- Other
…professional and supportive environment where the contribution of each member of the team is respected and…
Added 3 mins ago
B
Regional Manager, Compliance, Private Wealth
BMO
Montreal, QC
- Full-time
Improves team performance, recognizes and rewards performance, coaches employees, supports their development, and manages poor performance.
Added 3 mins ago
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Occupational Therapist
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- Full-time
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Showroom Sales Consultant
ROBINSON
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- Full-time
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Added 3 mins ago
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Regional Sales Manager
ROBINSON
MB · Manitoba, Canada
- Full-time
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Added 3 mins ago
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Outside Sales Representative
ROBINSON
Calgary, AB · Greater Calgary Metropolitan Area
- Full-time
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Head of Department – Medical Biology Laboratory
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Quebec, QC
- Full-time
Lacroix Private Lab is seeking a Medical Biology Service Manager to join its team.
Added 3 mins ago
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Customer Experience Associate - Sherbrooke & Claremont
TD
Montreal, QC
- Part-time
…products and services to refer customers to the appropriate team member or internal Bank partner, while ensuring a positive customer…
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Seasonal Product Operations Educator | Chinook Centre
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Markham, ON
- $17.6 to $23.29 CAD / hour
- Part-time
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Added 3 mins ago
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Graduate Digital Consultant (Available 2027)
Arup
Toronto, ON
- Full-time
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Added 3 mins ago
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- Full-time
…Ontario, Newfoundland and Labrador), as well as in USA. We are a team of 20,000 dedicated employees. At J.D. Irving, Limited, you are part of a dynamic team of professionals who lead with…
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PE · Bloomfield Station, PE
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Added 3 mins ago
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Production Engineer
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Calgary, AB
- Full-time
…promoting a positive company culture, and we're proud to have a team of genuine, driven, and knowledgeable individuals. Surge's culture is based on teamwork, creativity, and a drive for…
Added 3 mins ago
R
Showroom Sales Consultant
ROBINSON
Saskatoon, SK
- Full-time
…from working for a successful, expanding company where every team member makes a difference and where initiative and hard work are valued and rewarded. We are confident that if you choose…
Added 3 mins ago
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Added 3 mins ago
HT
Material Handler
Husky Technologies
Bolton, ON
- Full-time
…relation to a job opportunity or testing, you should advise the member of the Talent Acquisition team in a timely fashion of any disabilities that requires accommodation measures in order…
Added 3 mins ago
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Nurse Practitioner specializing in primary care - IPSPL
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Added 3 mins ago
HT
Buyer (Contract)
Husky Technologies
Bolton, ON
- Full-time
…relation to a job opportunity or testing, you should advise the member of the Talent Acquisition team in a timely fashion of any disabilities that requires accommodation measures in order…
Added 3 mins ago
HT
Assembly Technician (Contract)
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- Full-time
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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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