Senior Manager, Credit & Risk, Consumer Financing

We're hiring a Senior Manager, Credit & Risk to build and lead the credit strategy and risk framework for Clutch's consumer financing program. You'll own how we assess risk, make credit decisions, price appropriately, and manage portfolio performance over time. This is a builder role for someone who's comfortable operating with ambiguity, rolling up their sleeves, and designing scalable credit systems that get better as volume grows. You'll partner closely with the Director of Consumer Financing and work cross-functionally with Product, Engineering, Operations, Sales, and Customer Experience.

Responsibilities

Design and evolve underwriting policies that balance growth, approval rates, and portfolio performance across prime/near-prime; Own credit decisioning logic, exception frameworks, and manual review processes; Partner with Product/Engineering to implement auto adjudication credit policies into customer flows with continuous feedback loop; Develop and refine risk-based pricing strategies that reflect loss expectations, funding constraints, and unit economics; Monitor approval mix and margin performance; recommend changes to pricing, terms, and eligibility to hit portfolio targets; Build the portfolio analytics framework: early warning indicators, delinquency tracking, vintage/cohort analysis, roll rates, losses, and recoveries; Diagnose drivers of performance and recommend changes to improve outcomes; Lead initiatives to manage delinquencies and losses in partnership with servicing/collections and operations; Build scorecarding approaches, segmentation, and predictive models as the program matures; Run experiments to improve conversion and credit outcomes, with clear measurement and guardrails; Help define the risk appetite, policy governance, and control environment for a regulated lending program; Support audit-ready documentation and ensure policies and practices align with applicable Canadian regulations and internal controls; Be the risk voice in product and operational decision-making

Requirements

6–10+ years of experience in credit risk, underwriting, portfolio management, or analytics within consumer lending; Strong understanding of credit policy development, risk-based decisioning, and portfolio performance management through delinquency/loss cycles; Demonstrated ability to translate analytics into real-world policy and operational changes; Strong quantitative and analytical skills; comfortable working with large datasets and building/using performance monitoring (including leveraging AI); High-ownership operator who thrives in ambiguity, with a bias for action and the ability to build structure, processes, and decision frameworks where none exist

Nice to have

Experience with non-prime or near-prime auto lending; Experience with fraud/identity risk, income verification, or alternative data strategies; Familiarity with funding constraints (warehouse eligibility, covenants, concentration limits) and how they shape credit policy; Experience in Canadian regulatory environments relevant to lending and credit reporting

Benefits

Equity incentives; Comprehensive healthcare, dental, vision, life insurance, and dependent coverage starting from day 1; Competitive pay; Freedom to innovate and ownership of your role; Opportunities for growth and development in a rapidly scaling company