KOHO
Toronto
51-200 employees
The ultimate spending and savings account that’s transforming how Canadians manage their money.
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Senior Credit Risk Analyst
Senior Credit Risk Analyst
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About KOHO
KOHO is a quickly scaling FinTech company backed by leading investors and advisors from around the world. We started KOHO because we believe in doing two things:
Democratizing access to the best financial products and giving everyone a great financial foundation.
Since our journey began 6 years ago, we’ve raised more than $340M, grown the KOHO Collective to over 250 employees, and created accounts for more than 600,000 Canadians.
About the Role
Reporting to the Director of Credit Risk, you'll be providing ongoing monitoring on the health of all credit products and performance/effectiveness of credit strategies. You’ll also be leading the credit provisioning and portfolio evaluation process to ensure ongoing adequacy of the credit reserves.
This role offers a broad base of exposure to multiple areas of risk management, with an opportunity to make a significant impact within our organization.
What You'll Do
- Create daily/weekly/monthly reporting or dashboards of key financial and risk metrics at both product and portfolio level
- Build loss forecasting models
- Conduct deep dive or ad-hoc analysis on data and make actionable recommendations
- Monitor performance of credit strategies and improve credit strategies by exploring new and alternative data sources
- Represent the credit risk function and work closely with key stakeholders (e.g., Product, Finance) to understand reporting needs and improve reporting
Who You Are
- Proven experience in credit risk reporting within a financial institution
- Experience in loan loss forecasting, loss provision and predictive modelling would be an asset
- Experience with monoline lenders and/or fintechs would be an asset
- Proficient in SQL, Python and Excel
- Experience with Data Visualization tools
- Experience with the use of alternative data or Non-Prime lending would be nice to have
- Strong analytical and problem-solving skills
- Intellectual curiosity and ability to learn quickly
- Clear and effective verbal and written communication skills
- The ability to manage and track multiple priorities
Joining the (lovely!) KOHO Team
We invest time and resources into making sure KOHO is as good as the people we hire. Here are some of the reasons we attract the best people:
• Balance Your Life - Generous PTO policy and a lifestyle spending account
• Work Anywhere - Permanently remote and $1,000 to set up your home office
• Level Up - Access to an in-house certified performance coach
• Reach Your Goals - Salary assessments twice a year, annual training allowance, maternity & parental leave top up
• The KOHO Culture - We have won 6 "Great Place to Work ®" awards since 2019
The KOHO culture is one of collaboration, creativity, and diverse perspectives. We are committed to building and fostering an inclusive, accessible environment for everyone. If you have any questions, concerns, or requests regarding accessibility needs, please contact peopleaccessibility@koho.ca and the People and Culture team will be happy to help.
#LI-Remote #LI-DP1
This job is no longer open