Financial Risk Strategy & Analytics Manager

KOHO

8h • CA$125,000 - CA$160,000 • Remote

About The Position

KOHO is looking for a Financial Risk Strategy & Analytics Manager to join our Risk team as a key individual contributor. In this role, you will be the analytical engine behind our financial risk management, owning the models, forecasts, and reporting that safeguard KOHO’s portfolio.
Working closely with Finance, Product, and Data teams, you will turn complex data into actionable insights, ensuring our growth is resilient and compliant.

Requirements

• 5-7+ years of experience in financial risk management, with deep hands-on experience in retail credit risk analytics, loss forecasting, and/or treasury risk.
• Education: A Bachelor’s or Master’s degree in a quantitative field (e.g., Mathematics, Statistics, Economics, Finance, Engineering) or equivalent practical experience.
• Technical Expertise: Strong proficiency in SQL, Python, or SAS for data manipulation and modeling. Solid understanding of IFRS 9 standards and ECL methodologies.
• Analytical Rigor: You can independently build complex models, perform root cause analysis, and quality-check your own work to a high standard.
• Risk Knowledge: Familiarity with market and liquidity risk concepts, ALM (Asset Liability Management), and stress testing frameworks.
• Communication: You can tell a story with data, clearly explaining technical risk concepts and their business implications to non-technical stakeholders.
• Builder Mindset: You are comfortable working in a fast-paced environment where you often need to build tools and processes from scratch.

Responsibilities

• Forecasting & Provisioning: Own the development and execution of short- and long-term delinquency and loss forecasting models. Calculate Expected Credit Loss (ECL) and drive the monthly provisioning process in strict accordance with IFRS 9 standards.
• Stress Testing: Design and execute comprehensive stress testing scenarios to assess portfolio resilience under various scenarios.
• Portfolio Monitoring: Lead the monitoring of portfolio health, identifying emerging trends and risks through rigorous analysis of internal performance data and external macroeconomic indicators.
• Impact Assessment: Partner with Product and Marketing to assess the credit risk impact of new initiatives, quantifying potential effects on delinquency, losses, and provisions before launch.
• Market & Liquidity Risk: Develop and maintain monitoring and reporting frameworks for non-credit financial risks, including interest rate, market, and liquidity risk. Perform a second line of defense role in understanding and challenging the data, models, and assumptions used in risk assessments.
• Stress Testing: Execute stress tests for non-credit risks to ensure KOHO maintains adequate liquidity and capital buffers in line with regulatory requirements and internal risk appetite.
• Reporting & Insights: Produce high-quality reporting for the Board and senior leadership, translating complex analytical results into clear, strategic recommendations.
• Data Strategy: Collaborate with Data Analytics and Data Science to enhance data pipelines and infrastructure, identifying new data sources, and ensuring the integrity and availability of risk data.
• Strategic Partnership: Work closely with Finance on capital planning and economic forecasting, and with Product to optimize credit strategies based on risk-adjusted returns.

Benefits

• At KOHO, we are dedicated to providing pay transparency to all candidates. Compensation at KOHO is determined through various factors including but not limited to: comparable salary market data within Canada, technical skill assessment, a holistic view of previous work history, and internal pay equity with other KOHO team members.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager