Credit Risk and Analytics Lead

Summary

Join Keep, a Canadian fintech company revolutionizing the banking experience for businesses, as their Credit Risk Lead. You will own the credit strategy, leveraging data analysis to make impactful decisions. Responsibilities include building and monitoring dashboards, analyzing portfolio performance, and refining underwriting models. The ideal candidate is a data analyst with strong SQL skills and experience in small business lending. This role offers the opportunity to transition from pure analysis to strategic ownership, shaping the future of credit at Keep. The company values autonomy, accountability, and impact, offering a remote-friendly and flexible work environment.

Requirements

• Own our credit risk strategy, with a focus on data-driven decision making
• Write complex SQL queries to extract insights from large datasets
• Build dashboards and reporting to monitor loan book performance, default rates, and key risk indicators
• Analyze portfolio trends and stratify risk by variables like industry, risk tier, revenue size, and time on book
• Identify early signals of risk performance issues and recommend proactive changes
• Collaborate with engineering to implement credit model improvements based on empirical data
• Adjust risk variables, weights, and logic to improve underwriting accuracy and profitability
• Propose credit product tweaks to balance revenue opportunities and risk exposure
• Drive credit policy evolution as the company scales
• A data analyst or data-driven professional with strong SQL skills
• Experienced working with large datasets, ideally in financial services, lending, or credit analysis
• Comfortable translating data into strategic credit decisions
• Curious, proactive, and not afraid to challenge assumptions or recommend changes
• Skilled at building dashboards, tracking KPIs, and driving portfolio insights

Responsibilities

• Own the Credit Policy: Take end-to-end ownership of the credit strategy, making iterative improvements based on data and business needs
• Monitor Loan Book Performance: Set up dashboards, analyze default rates, and stratify loan performance across key variables
• Evolve the Underwriting Model: Adjust risk weightings, variables, and logic based on performance data. Collaborate with engineering and data teams to implement changes
• Cross-Functional Collaboration: Partner with operations, sales, finance, and engineering to ensure the credit strategy is aligned and well-executed
• Proactive Risk Management: Identify risks early and propose mitigations before they become issues
• Drive Strategic Projects: Propose and lead initiatives to improve credit performance and evolve our product offering
• Long-Term Credit Strategy: Develop frameworks that scale with Keep’s growth and adapt to new market opportunities

Preferred Qualifications

Bonus if you have experience in small business lending or fintech underwriting

Benefits

Enjoy a remote-friendly, flexible work environment with a team that actually enjoys working together