Senior Associate, Business Lending
Core
Design and implement underwriting frameworks and credit policy for a new business lending program (business credit cards) for Canadian SMBs, managing the full account lifecycle from adjudication to line management and collections.
Role type
Senior Associate, Credit Policy & Underwriting
Builds
New business credit card lending program and automated adjudication systems
Domain
Financial Services / Small Business Lending
Deliverable
production ML models | product features
Required skills
Small business lending underwriting, SQL, credit policy design, line management strategy, risk analysis, data interpretation
Preferred skills
Canadian consumer credit bureau data knowledge, business credit risk assessment, statistical/quantitative analysis, Python, GitHub, AWS Redshift, dbt
Technologies
SQL, Python, GitHub, AWS Redshift, dbt, Airflow
Responsibilities
Design entity-level underwriting criteria and approval decisioning; Own line management strategy including limit increases/decreases and pricing; Partner with collections on risk-managed treatment strategies; Evaluate portfolio performance using vintage analysis and champion/challenger testing; Define data sourcing and validation infrastructure for SMB lending; Influence roadmaps for Engineering, Product, and Data Science teams.
Seniority
Senior, hands-on IC