Jobber Senior Manager, Credit Risk at Jobber leading credit risk function to build AI-native credit risk management. Manage team, design credit risk models, policies, and monitoring for payments and lending products.
Responsibilities
The Senior Manager, Credit Risk will lead and grow a team of Credit Risk Analysts, owning the day-to-day operations of the credit risk function while helping build it into something more ambitious: an AI-native credit risk practice, built for Jobber Payments today and ready to scale into a growing lending business. This is a role for a builder, not a doer—someone who looks at a manual process or an ad hoc decision and asks how it should be automated, modeled, or systematized, rather than simply executed by hand.
You'll work closely with Data Science and Risk Analytics to design and strengthen credit risk models, policies, and monitoring, and you'll partner cross-functionally across Fintech, Product, and Customer Support to make sure credit risk decisions are embedded seamlessly into the products our customers use every day.
The Senior Manager, Credit Risk will:
Lead, coach, and grow a team of Credit Risk Analysts (and, as the function scales, the team leads who manage them), owning hiring plans, team structure, and career paths, and setting the standard for how the team investigates, decides, and communicates credit risk.
Own credit risk operations end-to-end: underwriting and exposure decisions, portfolio monitoring, collections and recovery strategy, and loss forecasting.
Define and maintain Jobber's credit risk appetite, credit policy, and limit framework (approval criteria, exposure and concentration limits, and delegated decision authority), and act as the final escalation point for high-exposure and exception decisions.
Partner closely with Data Science and Risk Analytics to build, validate, and improve credit risk models and decisioning logic, including scorecards, statistical models, and machine learning approaches where they add value.
Champion an AI-native approach to credit risk management, using AI and automation to build novel solutions to novel problems, not just to speed up existing workflows, and drive automation opportunities from idea through to implementation.
Set the multi-year roadmap for the credit risk function across people, models, data, and tooling, and make the case to leadership for the investment needed to deliver it.
Build and strengthen the credit risk function for Jobber's payments business today, and design and own the credit risk framework for a growing lending business.
Work cross-functionally with Fintech, Product, Finance, Legal, Compliance, and Customer Support teams to embed credit risk policy and controls into product and operational workflows.
Make sure credit policy and decisioning meet applicable Canadian and US requirements, partnering with Compliance and Legal on fair lending, adverse action and decline notices, commercial financing disclosures, and regulatory change.
