Job Description
Couver Financial is a fintech company that is committed to providing better financial solutions. With our highly motivated team, we create innovative products and services to ensure banking is easy and simple for everyone. We are always looking for more talent who share the same passion to join our team.
As a Credit Risk Manager, you will be minimizing loss by managing and analyzing risks. This role will report directly to Chief Operations Officer.
Roles and responsibilities
- Develop risk management solutions for lending products in support of credit risk, fraud risk, operational risk, and/or customer acquisition and retention strategies leveraging commercial and/or consumer bureau data
- Create sound strategies for assigning and managing credit limit for new and existing customers
- Develop core risk management rules and policies through innovative solutions in collaboration with internal and external partners to leverage external partner platforms and data
- Close collaboration with partners and stakeholders to drive results and grow the portfolio
- Enhance risk decisions by incorporating new information, new techniques, and changing factors
- Analyze structured and unstructured data, and translate that data using statistical, financial, machine learning, engineering, or business intelligence techniques into actionable business insights and strategies
Qualifications
- Credit Risk Management experience with an in-depth understanding of the end-to-end credit lifecycle, as well as understanding of credit metrics and processes
- Familiarity with credit systems and processes
- Experienced in loan origination, loan management and collections
- Credit Risk Management policy and process writing experience
- Ability to work independently under pressure, prioritizes multiple tasks and perform time sensitive tasks to completion
- Strong verbal and written communication skills
- Strong analytical / data analysis and problem-solving skills
- Ability to influence others while building strong partnerships
- Minimum 5 years in lending or banking/payments risk management or strongly analytical function
- Bachelor's degree in accounting or finance preferred
- Holder of personal lending and mortgages certificate preferred
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Couver Visa* Cash Card is issued by Digital Commerce Bank (DCB) pursuant to license by Visa International. DCB is a member institution of Canada Deposit Insurance Corporation (CDIC). Funds loaded onto your Couver Visa* Cash Card are deposited in an account in the name of Couver which is the depositor under CDIC coverage. For more information about CDIC coverage, please visit CDIC website https://www.cdic.ca.
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Couver Financial 2023