Director, Credit Strategy

Director, Credit Strategy

Location : Remote (Canada) Department : Risk & Decision Science Base Salary for this role : $140,000 - $170,000 CAD

About the Role

As Director of Credit Risk, you will play a critical role in shaping and leading Mogo's credit risk strategy across the customer lifecycle. You'll drive underwriting, pricing, segmentation, and decisioning for our lending products while overseeing performance of the credit portfolio. Reporting to the VP of Risk, you will lead and build a high-impact team of to ensure Mogo continues to scale profitably and responsibly.

This role also owns the development and tracking of credit models and will lead Mogo's Decision Science practice. You'll partner cross-functionally with key stakeholders, including close collaboration with the Collections team to develop and refine collection strategies.

What You'll Do

Underwriting & New Accounts : Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth.

Credit Policy & Segmentation : Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation.

Pricing & Limits : Design credit limit frameworks to maximize risk-adjusted returns.

Model Decisioning : Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs.

Portfolio Performance : Monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability.

Collections Strategy : Partner with the Collections team to develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs.

Decision Science Leadership : Lead and grow Mogo's Decision Science capabilities, embedding advanced analytics into the credit decisioning framework.

Opportunities & Challenges : This is a strategic role ideal for someone who thrives in fast-paced, data-rich environments. You'll have the opportunity to lead Mogo's risk evolution, drive innovation in subprime lending, and help scale a high-impact credit business - all while navigating the unique challenges of a competitive and regulated market.

What You'll Bring

Experience : 7+ years of experience in consumer lending or credit risk, with a proven track record in subprime or fintech environments.

Credit Lifecycle : Strong experience across the credit lifecycle : origination, underwriting, pricing, portfolio management, and collections.

Models : Hands-on experience with credit risk models and credit bureau data (traditional and alternative).

Technical Skills : Advanced proficiency with SQL, Python, and experience using platforms like Snowflake and Looker.

Leadership : Strong leadership and team management skills - experience building, mentoring, and developing high-performing risk teams.

Communication : Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders.

Education : Bachelor's or Master's degree in a quantitative field such as Economics, Mathematics, Statistics, Engineering, or Computer Science.

Benefits of Working With Us

Always Fully Remote Work : Enjoy the flexibility of remote work, supported by necessary resources

Comprehensive Health and Wellness : Access medical, dental, and vision coverage plus a Health Spending Account

Stock Options : Have a stake in the company's success through stock options

Flex Vacation : Benefit from paid time off, including vacation days, holidays, and personal days

Wellbeing Programs : Access counselling services, mental health support, and additional wellness resources

About Us

We help make it easy for Canadians to achieve financial freedom while making a positive impact. We live in the most innovative and technologically advanced era, yet so much struggle exists. Most of us are far from where we want to be financially. We all want a better future. A better world where reaching financial freedom is a question of when, not if. One that's equitable so that all can prosper. One that's safe from the impact of climate change. Our money has the power to change the world. It's up to us to do things differently.

Apply today! Do you know anyone who would be a great fit for this role or other roles on our career page? Please share this job posting with them! Mogo is an inclusive place to spend your work life. We hire team members for their talent and diverse backgrounds. Bring your unique perspective to Mogo and help our customers achieve their best financial lives.