Job Description

Director of Credit Risk & Decision Science

Location:

Cambridge, ON

(In-Office Only)

Type:

Full-Time

About the Role

We're building Canada's most disciplined consumer-lending company, and we need a Director who can both build credit models and run the system they live in. You'll own the entire risk intelligence layer -- model design, validation, and portfolio decisioning.

You'll:

Architect, train, and validate behavioural and application-score models (XGBoost, ANN, logistic regression). Lead end-to-end model lifecycle: feature engineering, training, back-testing, challenger/production deployment, and monitoring. Integrate new data sources (TransUnion Credit Vision, traditional bureau, open-banking feeds). Own portfolio analytics: PAR and loss curves, segmentation, Gini/AUC tracking, and early-warning indicators. Partner with Technology to embed real-time credit decision logic into Evolve OS and Provenir. Translate findings into lending policy, pricing strategy, and executive reporting. Oversee external data-science contributors and validate all third-party models (e.g., refinance-loan behavioural model).

You Are:

A quant-operator with 8 + years in credit-risk or data-science within consumer lending or fintech. Fluent in Python / SQL / R and comfortable inside the model codebase. Equally fluent in P&L thinking -- you connect Gini curves to gross-yield outcomes. Capable of reviewing, challenging, and improving models developed by others. Naturally skeptical; you treat every model output as a hypothesis until proven in the portfolio.

Why Join Us:

You'll design and command the brain of a national-scale lending platform. No layers of bureaucracy -- direct line to the Founder and full visibility into the book. Your models will not sit in notebooks; they'll run the business.

Job Types: Full-time, Permanent

Work Location: In person