Manager/Senior Manager, Credit Strategy

KOHO

1d•CA$110,000 - CA$170,000•Remote

About The Position

KOHO is looking for a Manager or Senior Manager, Credit Strategy to own and evolve the lending and credit strategy across our full suite of lending products. This is a high-impact, analytical role sitting at the intersection of credit risk, product strategy, and financial performance. You will be the primary driver of how KOHO thinks about who we lend to, at what terms, and with what risk controls. You'll analyze our current credit policies and customer segmentation, identify opportunities to serve more Canadians responsibly, and build the models and frameworks that inform both day-to-day decisioning and longer-term portfolio strategy. Equally important, you'll develop a rigorous understanding of the risk profile of the users we lend to — identifying the mitigating factors that give us confidence to lend, and the signals that should give us pause. This role is for someone who is curious about consumer credit, comfortable working with ambiguous data, and capable of influencing senior stakeholders with clear analysis and confident recommendations.

Requirements

3-5+ years of experience in consumer credit strategy, credit risk management, or related quantitative roles within a bank, fintech, or lending-focused company
Proven experience designing and optimizing credit policies and customer segmentation for consumer lending products (e.g., credit cards, personal loans, lines of credit, BNPL)
Strong quantitative skills — you are comfortable building financial models, running cohort analyses, and interpreting statistical outputs without needing hand-holding
Proficiency in SQL; experience with Python or R is a strong asset
Demonstrated ability to translate complex analysis into clear, decision-ready recommendations for senior audiences
Experience working cross-functionally with Product, Engineering, Finance, and Risk teams

Nice To Haves

Experience in a regulated deposit-taking institution or in a company undergoing a banking transition
Familiarity with Canadian credit bureau data (Equifax, TransUnion) and OSFI/FCAC regulatory expectations for consumer credit
Experience with Champion/Challenger testing or A/B testing frameworks for credit policy
Exposure to IFRS 9 provisioning or credit loss modelling
Background in behavioural modelling or alternative credit scoring approaches

Responsibilities

Own and continuously refine KOHO's credit strategies across all lending products, including approval criteria, credit limits, pricing, and policy exceptions
Analyze existing customer segmentation and credit performance data to identify underserved or mispriced segments
Develop and test new segmentation strategies that expand access to credit for creditworthy Canadians while maintaining sound portfolio quality
Partner with Product, Engineering, Data and second line Credit Risk teams to develop documented rationale and address key risks while implementing policy changes and new decisioning logic
Synthesize portfolio performance data — delinquency, loss rates, vintage curves, revenue & utilization — into clear strategic insights and recommendations for leadership
Identify emerging risk trends or shifts in borrower behaviour early, and propose mitigating actions
Monitor macroeconomic signals, regulatory developments, and competitive dynamics that could affect KOHO's lending strategy
Define the risk framework for new lending initiatives and product expansions
Build and maintain financial models to assess the risk-return trade-offs of different segmentation strategies, credit policy changes, and new product structures
Quantify the expected P&L impact (NII & charge-offs) of strategic credit decisions
Develop scenario and sensitivity analyses to stress-test assumptions under different economic conditions
Support the annual planning process with bottom-up credit P&L forecasts by product and segment
Develop a deep understanding of the risk characteristics of KOHO's borrower base — income stability, payment behaviour, debt load, credit bureau attributes — and how these interact with product design
Build and monitor risk scorecards and early warning indicators to detect portfolio deterioration
Evaluate external data sources and alternative data signals that could improve credit decisioning
Contribute to credit risk reporting for the leadership team and, as relevant, the Board