At a Glance
- Tasks: Lead consumer credit strategy and risk, shaping lending decisions and pricing.
- Company: Join Clutch, a dynamic company in Toronto focused on innovative consumer financing.
- Benefits: Competitive salary, career growth opportunities, and a collaborative work environment.
- Other info: On-site leadership role with cross-department collaboration for impactful projects.
- Why this job: Make a real impact by building a consumer financing framework from the ground up.
- Qualifications: 6-10 years in consumer lending credit risk with strong quantitative skills.
The predicted salary is between 93564 - 114356 $ per year.
Lead consumer credit strategy and risk at Clutch in Toronto, using underwriting and portfolio analytics in an on-site leadership role. As Senior Manager, Credit & Risk, you will build Clutch’s consumer financing framework from the ground up. You will shape lending strategy, credit decisions, pricing, monitoring, and controls. The work spans Product, Engineering, Operations, Sales, and Customer Experience while the program scales.
Key Responsibilities:
- Design underwriting policies balancing growth, approvals, and portfolio performance
- Own credit decisioning logic, exceptions, and manual reviews
- Develop risk-based pricing and monitor margin performance
- Build analytics for delinquencies, losses, recoveries, and cohorts
- Define risk appetite, governance, controls, and compliance support
Requirements:
- Six to ten-plus years in consumer lending credit risk
- Experience with underwriting, portfolio management, or analytics
- Strong quantitative skills and large-dataset experience
- Ability to translate analytics into policy changes
- Toronto-based with required on-site presence
Build Clutch’s consumer financing platform through credit strategy, risk-based pricing, analytics, governance, and disciplined portfolio management.
Senior Manager Consumer Credit Risk in Toronto employer: Clutch
Clutch is an exceptional employer that prioritizes employee growth and a collaborative work culture, making it an ideal place for those looking to thrive in the automotive industry. With competitive compensation, health and dental benefits, and opportunities for skill development, employees are empowered to take ownership of their roles while contributing to a positive impact on communities across Canada. Located in Toronto, Clutch offers a dynamic environment where team members can embrace challenges and work alongside passionate colleagues dedicated to quality and efficiency.
