The Role: Credit Risk Expert & Strategic Builder

We are looking for a hands-on, data-driven leader to own and operationalize the credit risk decisions that power our business. As the Director of Credit Risk, you will report directly to the Chief Credit & Risk Officer and manage a lending portfolio that is rapidly expanding in scale and complexity.

This isn't a maintenance role. You will be joining an experienced team focused on “Getting Stuff Done (#GSD)” where data insights and a "design of experiments" mindset guide decision making. You should be comfortable navigating ambiguity, leading high-stakes strategies, and "getting your hands dirty" in the weeds of credit risk management.

This is an exciting opportunity to contribute across multiple retail credit risk domains, including acquisition and client management strategies, credit risk modeling, loss mitigation / collections strategies, loss forecasts, and portfolio reporting and monitoring.

Culture matters deeply to us. You will have the support of experienced colleagues across the organization looking to drive results together. We will look to you to lead with expertise and curiosity, build strong collaborative relationships, and thrive in a team that values transparency, accountability, and a shared sense of purpose.

What You’ll Do

• Lead the Strategy: Create and direct the credit risk roadmap to safely steer Fig’s high-growth portfolio through changing economic cycles.
• Optimize Risk vs. Return: Use predictive modeling and data mining to find the "sweet spot" between growth and portfolio quality.
• Own end-to-end Credit Strategy & Modeling: Manage client acquisition and management strategies, risk segmentations, predictive models, pre-qualified offer targeting, loss forecasting, loss mitigation, and portfolio monitoring.
• Drive Digital Innovation: Identify opportunities to leverage digital signals, automation and AI to revolutionize risk scoring and investigative workflows.
• Collaborate Cross-Functionally: Partner with Product and Engineering to ensure the seamless implementation and real-time monitoring of automated adjudication logic.
• Build the Foundation: Standardize documentation, refine Key Risk Indicators (KRIs), and mentor a results-oriented team of analysts.

What You’ll Bring

• Subject Matter Experience: 6 or more years of experience in Credit Risk management and/or related data analysis in a financial services, FinTech, lending and/or technology company.
• Technical Mastery: Strong proficiency in Python and SQL is required.
• Analytical Depth: Working knowledge of regression analysis, decision trees, loss forecasting, and statistical design of experiments.
• Exceptional Communication Skills: The ability to translate complex data into clear, professional narratives for Senior Management.
• Startup DNA: You thrive in fast-paced environments with limited structure and have a shared sense of purpose to "Get Stuff Done" (#GSD).
• Leadership: Experience managing and developing team members and ability to prioritize and execute across competing priorities

Why Fig?

• Make Your Mark: This is a rare chance to help directly steward a high-impact FinTech in Canada at an exciting stage of its growth and maturity.
• Strong Culture: Work in a team that values impact, accountability, curiosity, and building strong, collaborative relationships.
• Hybrid Work Environment: Balance of remote and in-office (currently one day a week in Toronto), without sacrificing the high-energy collaboration.
• Competitive compensation: $130,000 – $170,000 base + bonus.
• Retirement savings program with employer matching.
• Comprehensive medical, dental, and vision group insurance, as well as health and wellness spending accounts.
• Generous time off to help you recharge.
• Parental top-up to support your growing family.
• Continuing education stipend to support your professional development.

130000 - 170000 CAD a year