About KOHO We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians. At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust. KOHO is entering its next chapter - leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in. About The Role KOHO is looking for a dynamic Credit Risk Manager to join our growing team. Reporting to the Director of Credit Risk, this role will contribute to the overall success of the Risk Team at KOHO ensuring Credit Risk initiatives are executed and delivered in support of companies overall business strategies and objectives. This role offers a broad base of exposure in risk management, with an opportunity to make a significant impact within our organization. What You'll Be Doing Reporting: Develop and produce weekly, monthly, and quarterly reports and dashboards detailing key financial and risk metrics at both product and portfolio levels. Develop credit card-specific reporting frameworks including utilization tracking, revolving balance analysis, payment rate monitoring, and vintage performance dashboards to support portfolio management and regulatory requirements. Track and evaluate the performance of Key Performance Indicators (KPIs) relevant to the business. Extract insights from reports and communicate findings to the leadership team. Represent the credit risk function and collaborate with key stakeholders (e.g., Product, Finance, Data, Engineering) to understand reporting requirements and improve reporting processes. Predictive Modeling / Model Validation and Model Monitoring: Collaborate with predictive modellers to develop and implement credit risk models (behavioral/adjudication) in compliance with company policies. Construct models for forecasting losses. Monitor the performance/effectiveness of existing credit strategies and suggest edits, if and when required. Strategy Development and Implementation: Actively participate in addressing business objectives and formulate and implement strategies for acquisition and account management. Design credit card underwriting strategies including adjudication, CLI, CLD, and pre-approval strategies. Lead credit card underwriting strategy implementation in Credit Decision Engine (CDE). Monitor the effectiveness of current credit strategies and enhance them by exploring new and alternative data sources. Analysis: Unlock insights from complex and diverse groupings of internal and external data, and tell a story with the data that enables enlightened decision-making Conduct deep-dive analysis on credit card portfolio performance including utilization patterns, payment behaviors, and profitability drivers Analyze competitive landscape and industry benchmarks to inform credit card positioning and underwriting strategy Present findings to the leadership team Who You Are Bachelor's degree in a quantitative field, economics, business, engineering, or equivalent 5+ years of experience in data analysis, strategy development, reporting and model building preferably in BFSI industry Experience with credit card products, revolving credit risk management, and consumer lending portfolios Knowledge of credit card regulations, compliance requirements, and industry best practices Experience with real-time decisioning platforms and Credit Decision Engine implementations Knowledge and experience in loan loss forecasting and loss provisioning Proficiency in Data Visualization tools such as Tableau, PowerBI, Sigma or similar to create informative dashboards Strong team player with excellent interpersonal, organizational, and communication skills Exceptional analytical and problem-solving abilities Organized multi-tasker with demonstrated expertise using tools to manipulate and prepare huge sets of data for analysis Ability to work independently and collaboratively within a team environment Proficient in programming languages such as SQL and Python Nice-To-Haves : Familiarity with data from monoline lenders or fintechs Experience with alternative data or Non-Prime lending Experience with cloud-based platforms such as AWS or GCP What’s in it for you? ?? Opportunity to shape the future of fintech and financially empower a generation of Canadians ?? Competitive compensation & equity ?? Fantastic, Deeply Engaged Team (check out our engagement scores here!) ?? Generous vacation + Wellness days + Flex Days + holiday closure ?? Remote-first environment + coworking support + yearly all hands retreat ?? Access to coaching & growth programs ?? Parental top-up & leave policies ?? Comprehensive health benefits ?? Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development KOHO is for builders. If you’re energized by challenge, motivated by mission, and want to be part of a team that punches above its weight - we want to hear from you. The KOHO culture is one of collaboration, creativity, and diverse perspectives. We are committed to building and fostering an inclusive, accessible environment for everyone. If you have any questions, concerns, or requests regarding accessibility needs, please contact peopleaccessibility@koho.ca and the People and Culture team will be happy to help. AI Disclosure: KOHO uses artificial intelligence (AI) in certain aspects of its recruitment process to screen, assess, or select applicants. For any questions or concerns, please contact us at talent@koho.ca. Note: this posting is for an existing vacancy that we are seeking to fill. #LI-Remote