Job Description
Job Title: Senior Credit Risk Manager (Auto/Subprime Lending)Design and implement risk strategies across originations, customer management, and collections
Enhance credit models using statistical methods and machine learning (Python, R, SAS, TensorFlow)
Leverage data tools, including SQL, Databricks, and Power BI, for model deployment and monitoring
Conduct loss forecasting, scenario analysis, and KPI monitoring (e.g., delinquency, charge-offs)
Lead strategic initiatives to optimize credit performance across auto and merchant portfolios
Assess risk exposure, identify emerging trends, and recommend action plans
Mentor junior analysts and collaborate cross-functionally with operations, finance, and product teams
Contribute to risk appetite and long-term business planning
Partner with executive leadership to execute change initiatives and modernization efforts
7+ years in credit risk, with experience in consumer lending (auto or subprime preferred)
Strong quantitative background with expertise in logistic regression, performance monitoring, and origination strategy
Hands-on experience with Python, SQL, Excel, and ideally Databricks
Proven track record of working independently and owning risk strategy end-to-end
Master’s in Finance, Economics, Statistics, or a related field
Senior Credit Risk Manager • Toronto, ON
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