Director Credit Decisioning & Risk Strategies
About The Position
Haventree Bank is a private Canadian Schedule 1 bank specializing in alternative mortgage programs and insured GIC deposits. We help hardworking Canadians from coast-to-coast achieve homeownership by offering flexible mortgage solutions. Our insured GIC deposits offer competitive rates and are available through a variety of wealth management platforms. Headquartered in Toronto, Ontario, Haventree Bank (Haventree) is a mission driven alternative mortgage lender. The name Haventree is representative of the bank’s mission to help its customers find a place of refuge and to lay down new roots for the future. Haventree exists to be a catalyst of financial security and upward mobility for Canadians who are underserved by the traditional financial system.
Requirements
- University degree in Finance, Economics, Business, Math, Statistics, or related discipline.
- 10+ years of experience in Consumer (secured & unsecured) Credit Risk Management.
- 7+ years of senior leadership and people management experience.
- Strong experience with automated decisioning, analytics, and regulatory governance.
Responsibilities
- Own and evolve credit decision strategies, frameworks, and methodologies across the mortgage lifecycle.
- Design, approve, and optimize automated and risk-based decisioning strategies, including rules, scorecards, and analytics.
- Maintain ownership of Residential Mortgage Underwriting Policy and ensure regulatory alignment.
- Chair and drive the Credit Risk Committee and related governance forums.
- Oversee portfolio monitoring, concentration analysis, dashboards, and KRIs.
- Provide senior oversight of Quality Assurance programs aligned to decision quality.
- Translate credit analytics and model outputs into actionable risk insights.
- Partner with Operations, Finance, Compliance, ERM, and Technology teams on credit initiatives.
- Mentor and provide strategic leadership to credit strategy and insights teams.
- Mortgage collections, delinquency management, or default resolution
- Recoveries, legal enforcement, or loss mitigation execution
- Day-to-day servicing or arrears operations
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What This Job Offers
Job Type
Full-time
Career Level
Director
