Credit Risk Manager Jobs

Customer Success Manager, Credit Risk — Toronto, Canada. Apply via Workday.

About Clutch We’re on a mission to reinvent how people buy, sell, and own cars. Are you game? Clutch is Canada’s largest buyer and seller of cars, offering a digital-first, hassle-free experience. Customers can browse thousands of cars online, have their chosen vehicle delivered right to their door, and enjoy peace of mind with our 10-Day Money-Back Guarantee. Looking to sell? We buy over $3 million worth of cars every day, providing a firm, AI-generated offer every 15 seconds—and when you sell to us, you get paid instantly, now that’s Clutch. Recognized four years running on The Globe & Mail’s list of Canada’s Top Growing Companies—and with back-to-back spots on Deloitte’s Technology Fast 50™ and Fast 500™ —we’re seeking curious, hard-working, and driven individuals to join our growing team. Founded in 2017 and headquartered in Toronto, Clutch currently operates in Ontario, New Brunswick, Nova Scotia, and Prince Edward Island. Our world-class investors include Altos Ventures, Canaan, FJ Labs, BrandProject, and Upper90. To learn more, visit clutch.ca . Consumer Financing at Clutch: Clutch is on a journey to create a truly seamless car buying and ownership experience—and financing is a critical part of delivering that end-to-end journey. We’re building consumer financing capability from the ground up to offer customers a simpler, more transparent way to finance their vehicle, while supporting Clutch’s growth with a scalable, disciplined lending platform. In this role, you’ll help shape our lending strategy, risk framework, and operations as we bring this business to life. About the role: We’re hiring a Senior Manager, Credit & Risk to build and lead the credit strategy and risk framework for Clutch’s consumer financing program. You’ll own how we assess risk, make credit decisions, price appropriately, and manage portfolio performance over time. This is a builder role for someone who’s comfortable operating with ambiguity, rolling up their sleeves, and designi

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. SoFi’s Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company’s risk appetite and helps create the products and experiences that put our members’ interests first. The Credit Strategy Lead will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi’s lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card. The Credit Strategy Lead will collaborate with cross-functional teams such as Business Units, Capital Markets, Product and Engineering, and use business knowledge and quantitative and analytical skills to drive revenue, control risk, and provide value to the company and consumers. The ideal candidate will possess a data-driven analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical anal

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The team SoFi’s Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company’s risk appetite and helps create the products and experiences that put our members’ interests first. The Senior Credit Manager will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi’s lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card. The initial focus of the role will be on Personal Loan but the candidate may get opportunities to work on other lending products in the future. The candidate will be responsible for independently developing and implementing Personal Loan underwriting strategies that meet our risk appetite, monitoring and analyzing the risk trends within the portfolio to provide insights and recommendations for strategy enhancement opportunities. She/he will be part of

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role We are seeking an experienced Senior Manager, Credit Operations to build and lead SoFi Bank's specialized credit operations function across residential and Commercial loans. This role will oversee complex workflows across the credit lifecycle, including scenario intake, underwriting exceptions, condo and co-op project reviews, complex residential underwriting, and Commercial small-balance CRE underwriting and portfolio management. This l functional owner will set the operating model, priorities, resourcing, service standards, KPIs, KRIs, and governance routines for the function. The Senior Manager will partner closely with Sales, Operations, Underwriting, Credit Policy and Administration, Risk, Product, Finance, Legal, Compliance, Servicing, and senior leadership to deliver sound credit judgment, scalable processes, clear accountability, and a consistent member and business-partner experience. The ideal candidate is a seasoned credit leader with deep expertise in residential and commercial lending, particularly jumbo and portfolio underwriting, HNW and UHNW borrower profiles, complex refinances, and small-balance CRE underwriting and portfolio management. This is an opportunity to define an important capability at the intersection of credit judgment, operating design, policy, and member experience.

GAQ427R213 This Manager role within Databricks’ Credit & Collections organisation is responsible for driving credit strategy, strategic customer collections, AR performance, and complex escalations across a high-growth, usage-based Data/AI business. The role combines financial and commercial judgment with hands-on customer engagement, functional oversight of collection operations, and governance of the outsourced collections model. This is a high-impact opportunity for a CA, CPA, or experienced finance professional to take ownership of credit risk, cash, strategic customer relationships, and AR performance at Databricks scale. This is an individual contributor position with an expectation to be hands-on. The impact you will have: Lead the Credit & Collections function for an assigned scope within Databricks, including credit policies, collection practices, risk mitigation, and escalation protocols Own credit assessment, risk reviews, credit limits, payment terms, credit holds/releases, and exception management within the established approval framework Make credit recommendations and decisions within delegated authority, balancing credit risk, cash conversion, and commercial considerations Personally manage collections strategy and executive-level escalations for strategic and high-value Databricks customers Lead resolution of complex disputes, contractual payment issues, and commercially sensitive collection matters Own the monthly AR performance framework, including collection targets, cash collected vs. target, CEI, ageing, write-offs, and cash forecasting Translate AR and credit trends into actionable insights for Finance leadership, including emerging risks, recovery outlook, and bad debt/reserve considerations Manage the Accenture collections engagement, including SLA/KPI governance, account allocation, quality, process adherence, escalations, and corrective actions Partner with Sales, Customer Success, RevOps, Legal, Billing, and Finance leadersh

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About the team The Risk team helps maintain a healthy financial ecosystem for businesses around the world. Credit Operations conducts credit risk assessments, underwrites small and mid-sized users, and develops mitigation strategies that enable Stripe to take smart risks while supporting growth. The globally distributed team partners with stakeholders across regions to support new and existing users and products. What you’ll do As a Credit Operations Manager, you will lead and develop a team of credit operations analysts while setting a strategic vision for scalable, high-quality operations. You will help enable new and existing Stripe products by translating product strategies into operational capabilities and appropriate credit controls. In partnership with Credit Strategy, Product, Engineering, and Data Science, you will launch new programs and advance AI-enabled automation across Credit Operations. Responsibilities Lead, motivate, and develop a high-performing Credit Operations team by setting clear goals, providing regular coaching and feedback, and supporting professional growth Assess the team’s current and future capability needs and partner on hiring, workforce planning, and development strategies to close material gaps Set priorities for the team in alignment with Credit’s broader strategy and translate them into clear goals, work plans, and operating mechanisms Evolve Credit Operations’ systems, processes, and operating model to impro

LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards. Customers can conveniently access these services through the LHV App, enabling secure account opening and management. ABOUT LHV LHV Bank Limited is a UK-licensed bank operating across three core business segments: Retail Banking, SME Lending, and Banking Services (BaaS). The bank is a wholly owned subsidiary of LHV Group, a listed financial services provider headquartered in Estonia. LHV Bank operates under a full UK banking licence granted in May 2023. The Bank supports over 200 fintech clients with embedded financial infrastructure, provides retail savings products via digital channels, and offers SME credit solutions across the UK. In line with its regulatory responsibilities and growth ambitions, LHV Bank is committed to maintaining a robust and proportionate financial crime control environment. Expanding our services, LHV Bank now provides personal banking solutions. Our offerings include current accounts with competitive interest rates, fixed-rate bonds for long-term savings, and debit cards. Customers can conveniently access these services through the LHV App, enabling secure ac

Who We Are At OKX, we believe that the future will be reshaped by crypto, and ultimately contribute to every individual's freedom. OKX is a leading crypto exchange, and the developer of OKX Wallet, giving millions access to crypto trading and decentralized crypto applications (dApps). OKX is also a trusted brand by hundreds of large institutions seeking access to crypto markets. We are safe and reliable, backed by our Proof of Reserves. Across our multiple offices globally, we are united by our core principles: We Before Me , Do the Right Thing , and Get Things Done . These shared values drive our culture, shape our processes, and foster a friendly, rewarding, and diverse environment for every OK-er. About the Opportunity The Senior Risk Manager supports the Regional Head of Risk in overseeing financial and non-financial risks across the region. The role helps maintain robust risk frameworks, controls, governance, and reporting, while providing effective oversight and challenge to ensure risks are managed in line with the firm’s risk appetite, Group standards, and regulatory requirements. What You’ll Be Doing Support the Regional Head of Risk in overseeing financial and non-financial risks across the region’s entities, preparing analyses and recommendations for review. Maintain and enhance regional risk frameworks, internal controls, and governance documentation, ensuring alignment with Group standards and regulatory requirements across all relevant jurisdictions. Identify, assess, and monitor financial and non-financial risks—including operational, technology, cybersecurity, market, credit, liquidity, and reputational risks—against the firm’s approved risk appetite, escalating material changes, emerging risks, and potential limit breaches to the Regional Head of Risk. Support the implementation of risk and control self-assessments (RCSAs), monitor associated findings and remediation actions, and track relevant key risk indicators (KRIs). Review third-party a

Ready to do the most impactful work of your career? At Coinbase , we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it’s a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called “surges.” learn more about working at Coinbase . This is a 12-week internship during summer 2027. Join the Credit Risk team within the Financial & Operational Risk subteam of Finance. You'll support the underwriting, monitoring, and analysis of counterparty and asset-level credit risk across Coinbase's global institutional client base. Working alongside risk professionals and product teams, you'll gain hands-on experience evaluating complex exposures in digital asset lending and trading, and your work will directly inform credit decisions and risk reporting for leadership. What you'll do: Underwrite institutional counterparties, including hedge funds, asset managers, corporates, market makers, and banking and payment providers, recommending internal credit ratings and risk-based limits with written substantiation. Monitor trading and bank partner exposures on an ongoing basis, conducting periodic portfolio reviews and flagging concentration risks or emerging trends to leadership. Analyze asset volatility and liquidity risks on a per-asset and portfolio basis to support lending and trading product decisions. Collaborate with product, sales, operations, and legal teams to resolve client or product challenges and deliver risk-informed solutions. Research industry trends, regulatory developments, and crypto market dynamics to contribute to the team's thought leadership and continuous improvement. Required Skills an

Ready to do the most impactful work of your career? At Coinbase , we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it’s a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called “surges.” learn more about working at Coinbase . We're hiring a Credit Risk Analyst to join the Counterparty and Credit Risk team within Financial & Operational Risk. This team manages credit exposure across Coinbase's global institutional client base, underwriting counterparties and delivering lending solutions in a fast-evolving digital asset market. You'll own credit analysis for complex counterparties, recommend risk-based limits, and monitor portfolio exposures that directly inform how Coinbase scales its institutional products. What you'll do: Own diligence and underwriting of institutional counterparties including hedge funds, asset managers, private equity, and venture capital firms. Recommend internal credit ratings and risk-based limits, preparing written analysis that substantiates each assessment for senior leadership review. Monitor portfolio exposures, conduct periodic surveillance of trading partners, and clearly communicate concentration trends and settlement risks to leadership. Analyze asset volatility and liquidity risks on a per-asset and portfolio basis to inform limit-setting and capital planning. Negotiate industry documentation (e.g., PBAs, MLAs, and ACAs) and collaborate with business development, operations, legal, and product teams to resolve complex client or product challenges. Required Skills and Experience: 1-3 years of hands-on credit risk management experience, including counter

The exchange team develops and maintain a cutting-edge trading platform. With a global presence across APAC, EMEA and North America, the team has since grown with the goal to provide a seamless and secure trading experience for our clients. We are looking for a risk manager to join the CDNA Clearing Organisation. The position is based in Asia to give the clearing house risk coverage outside US hours, so you will be the first line of response for overnight incidents. The emphasis is on clearing risk and operations, but you will also contribute to the margin and stress-testing models behind them. You will be contributing to the building of a fast-growth trading platform with innovative, multi-asset products bridging traditional finance (TradFi) and digital markets. For all roles, we look for people who are passionate about financial market innovation, equipped with energy, act as owners, and have exemplary work ethics. Responsibilities Provide primary risk coverage during Asian and European hours, monitoring clearing member exposures and margin adequacy in real time and escalating breaches, abnormal activity, and position spikes to senior management. Oversee end-of-day settlement pricing processes and ensure the accuracy of cross-asset pricing data used for margin calculations and default management. Oversee the risk components of client onboarding and provide ongoing market, credit, and liquidity risk monitoring. Run the operational risk controls of the clearing house: guaranty fund and financial resource sufficiency, collateral eligibility and haircuts, and clearing member position limits and reportable thresholds. Calibrate and execute stress testing and reverse stress testing of clearing member portfolios, and support default management drills and the associated reporting. Design business requirements for clearing risk monitoring, including the daily risk pack for management. Manage and respond to regu

Responsibilities Regulatory & Clearing Compliance Enforce regulatory standards set by the CFTC, NFA, and applicable derivatives clearing organizations (DCOs). Compile regulatory risk reporting, support risk attestations, and liaise during regulatory audits. Real-Time Risk & Exposure Monitoring Monitor real-time and end-of-day risk exposures, client positions, and trading activities across all client futures accounts (equities and digital assets). Identify, investigate, document, and escalate risk-limit breaches, abnormal trading activities, or position spikes in a timely manner to senior management. Evaluate client margin adequacy, enforcing initial and maintenance margin requirements, intraday margin calls, and variation margin coverage. Frontline Risk Enforcement & Execution Protocols Execute mandated risk escalation protocols, including placing trading restrictions, lowering credit limits, issuing margin calls, and executing partial or full account liquidations when accounts breach critical risk parameters. Exercise swift, decisive, and authoritative judgment to execute trade halts and liquidations during periods of extreme market volatility. Cover daily FCM risk management responsibilities, tracking intraday and end-of-day risk metrics across a multi-asset clearing ecosystem. Execute the risk escalation protocol on live accounts: issue margin calls, impose trading restrictions, lower credit limits, and carry out partial or full liquidations when accounts breach critical risk parameters. Pre-Trade Risk Controls & Position Limit Management Oversee and calibrate pre-trade risk controls, firm-specific position limits, exchange-imposed accountability

Role Overview: Join the in-business portfolio management team within the Credit Financing business. This role is designed for a professional with a strategic mindset towards data. You will be a central stakeholder in the portfolio's data lifecycle, responsible for supporting data integrity, data strategy, and execution of data-centric projects. Work Profile Specifics: The role will support the strategy, maintenance, execution, governance of data across the portfolio. Key responsibilities include: Portfolio Data Strategy & Integrity: Act as the primary steward across data supporting the portfolio. Design and implement strategies for data modeling, storage, and hygiene across our suite of applications Data Maintenance and Quality: Spearhead the assimilation of complex financial data (e.g., Borrowing Bases) into internal systems. Develop, support and manage processes for seamless data ingestion, validation, and reporting Client & Stakeholder Data Engagement: Proactively interface with clients, originations, and underwriting teams to resolve data quality issues, ensuring the accuracy and integrity of information from its source Risk Management through Data: Leverage portfolio data to proactively assist in managing Credit Risk. Support broader portfolio management team in monitoring key credit quality indicators and initiate remediation actions based on data-driven insights Automate & Optimize Reporting: Support automation of portfolio management reporting, including borrowing base monitoring, valuation, and covenant checks. Identify and implement opportunities to enhance control frameworks and improve operational efficiency through technology Strategic Technology Initiatives: Collaborate with cross-functional technology partners to design, develop, and execute strategic initiatives that enhance data infrastructure and sup

This is Adyen. Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition. For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. Financial Products About the Role The Financial Products org at Adyen is at the forefront of our evolution, building the foundational infrastructure that enables our customers to manage their finances, issue cards, and access credits and financing globally. Adyen is building a Machine Learning Engineering team in San Francisco focused on Credit Risk Modeling for Underwriting within Financial Products. This team will develop the models, scorecards, and production systems that enable Adyen to scale its credit products 100x. We’re looking for an enthusiastic, self-driven Engineering Manager to lead the Credit Risk Modeling team. You will lead the team that design, productionize, and operate machine learning models and rule-based decision systems that power credit products. Your team will work across the full model lifecycle, from research and data analysis to training, deployment, monitoring, and continuous improvement.. As an Engineering Manager, you will build, mentor, and coach a diverse and talented team of machine learning scientists and data engineers. You should be comfortable streamlining the team's engineering operations, refining product requirements together with product and merchants and encouraging effective collaboration. As a critical role in the continued success of our organization, you will help to itera