Manager / Senior Manager, Credit Strategy

About this role

ABOUT KOHO

We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians.

At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust.

KOHO is entering its next chapter - leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in.

ABOUT THE ROLE

KOHO is looking for a Manager / Senior Manager, Credit Strategy to own and evolve the lending and credit strategy across our full suite of lending products. This is a high-impact, analytical role sitting at the intersection of credit risk, product strategy, and financial performance.

You will be the primary driver of how KOHO thinks about who we lend to, at what terms, and with what risk controls. You'll analyze our current credit policies and customer segmentation, identify opportunities to serve more Canadians responsibly, and build the models and frameworks that inform both day-to-day decisioning and longer-term portfolio strategy. Equally important, you'll develop a rigorous understanding of the risk profile of the users we lend to — identifying the mitigating factors that give us confidence to lend, and the signals that should give us pause.

This role is for someone who is curious about consumer credit, comfortable working with ambiguous data, and capable of influencing senior stakeholders with clear analysis and confident recommendations.

WHAT YOU'LL BE DOING

Credit Policy & Segmentation

- Own and continuously refine KOHO's credit strategies across all lending products, including approval criteria, credit limits, pricing, and policy exceptions

- Analyze existing customer segmentation and credit performance data to identify underserved or mispriced segments

- Develop and test new segmentation strategies that expand access to credit for creditworthy Canadians while maintaining sound portfolio quality

- Partner with Product, Engineering, Data and second line Credit Risk teams to develop documented rationale and address key risks while implementing policy changes and new decisioning logic

Strategy & Portfolio Analysis

- Synthesize portfolio performance data — delinquency, loss rates, vintage curves, revenue & utilization — into clear strategic insights and recommendations for leadership

- Identify emerging risk trends or shifts in borrower behaviour early, and propose mitigating actions

- Monitor macroeconomic signals, regulatory developments, and competitive dynamics that could affect KOHO's lending strategy

- Define the risk framework for new lending initiatives and product expansions

Valuation & Financial Modelling

- Build and maintain financial models to assess the risk-return trade-offs of different segmentation strategies, credit policy changes, and new product structures

- Quantify the expected P&L impact (NII & charge-offs) of strategic credit decisions

- Develop scenario and sensitivity analyses to stress-test assumptions under different economic conditions

- Support the annual planning process with bottom-up credit P&L forecasts by product and segment

Risk Intelligence

- Develop a deep understanding of the risk characteristics of KOHO's borrower base — income stability, payment behaviour, debt load, credit bureau attributes — and how these interact with product design

- Build and monitor risk scorecards and early warning indicators to detect portfolio deterioration

- Evaluate external data sources and alternative data signals that could improve credit decisioning

- Contribute to credit risk reporting for the leadership team and, as relevant, the Board

WHAT YOU BRING

Required

- 3-5+ years of experience in consumer credit strategy, credit risk management, or related quantitative roles within a bank, fintech, or lending-focused company

- Proven experience designing and optimizing credit policies and customer segmentation for consumer lending products (e.g., credit cards, personal loans, lines of credit, BNPL)

- Strong quantitative skills — you are comfortable building financial models, running cohort analyses, and interpreting statistical outputs without needing hand-holding

- Proficiency in SQL; experience with Python or R is a strong asset

- Demonstrated ability to translate complex analysis into clear, decision-ready recommendations for senior audiences

- Experience working cross-functionally with Product, Engineering, Finance, and Risk teams

Nice to Have

- Experience in a regulated deposit-taking institution or in a company undergoing a banking transition

- Familiarity with Canadian credit bureau data (Equifax, TransUnion) and OSFI/FCAC regulatory expectations for consumer credit

- Experience with Champion/Challenger testing or A/B testing frameworks for credit policy

- Exposure to IFRS 9 provisioning or credit loss modelling

- Background in behavioural modelling or alternative credit scoring approaches The budgeted salary range for this role is $110,000 - 170,000 CAD / year.

At KOHO, we are dedicated to providing pay transparency to all candidates. Compensation at KOHO is determined through various factors including but not limited to: comparable salary market data within Canada, technical skill assessment, a holistic view of previous work history, and internal pay equity wit

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