Senior Manager Consumer Credit Risk

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.