About the job
About KOHO
At KOHO, we are driven by a mission to revolutionize financial services for all Canadians. Our commitment is to eliminate hidden fees and predatory interest rates, providing financial products that empower our users to spend wisely, save efficiently, and cultivate real wealth. We are a performance-driven organization with a soul; we genuinely care about our outcomes, and every initiative aligns with our goal of financially empowering a generation of Canadians.
KOHO operates outside the traditional 9-5 framework. We believe meaningful impact stems from individuals who feel trusted, empowered, and supported to excel in their roles without compromising their personal lives. We focus on work-life integration, fostering an environment that encourages asynchronous collaboration, flexible hours, and a remote-first culture rooted in autonomy and trust.
As KOHO embarks on its next exciting chapter—slimmer, smarter, and more AI-driven—we are committed to making an impact rather than creating bureaucracy. If you thrive in a setting that values clarity, ownership, and innovative thinking, you will find a home here.
About the Role
We are in search of a remarkable leader in Credit Risk who possesses a blend of strategic insight and practical execution skills to lead and expand our credit risk management function. In this pivotal role, you will establish the credit risk vision, drive strategy across our product offerings, and ensure that robust risk management practices are integrated into our decision-making, analytics, and operations. You will be responsible for building and leading a high-performing team of risk professionals while collaborating with various cross-functional teams to foster innovation in credit risk management practices.
What You’ll Do
Design and implement KOHO's credit risk strategy across all lending products.
Develop and scale teams, overseeing multiple levels of talent responsible for credit risk modeling, strategy, reporting, and governance.
Create and enforce credit policies, underwriting guidelines, and credit lifecycle strategies encompassing origination, limit management, collections, and recovery.
Establish and track key credit risk metrics, portfolio trends, and early warning signals.
Facilitate data-driven decision-making in product development, pricing strategies, and growth initiatives.
Lead credit risk governance and deliver strategic insights to both internal and external stakeholders, including the Board, risk committees, and investors.
Collaborate with Finance on portfolio forecasting and debt facility management.
Oversee regulatory examinations and maintain constructive relationships with regulators regarding credit risk matters.

