Manager, Credit Risk

Do you think differently about risk? Are you excited by the idea of building credit risk management from the ground up, AI-native, rather than bolting AI onto an old playbook?

Then Jobber might be the place for you. We're looking for a Manager, Credit Risk to join our Fintech department.

Jobber exists to help people in small businesses be successful. We work with small home service businesses, like your local plumbers, painters, and landscapers, to transform the way service is delivered through technology. With Jobber they can quote, schedule, invoice, and collect payments from their customers while providing an easy and professional customer experience. Running a small business today isn’t like it used to be—the way we consume and deliver service is changing rapidly, technology is evolving, and customers expect more. That’s why we put the power and flexibility in their hands to run their businesses how, where, and when they want!

Our culture of transparency, inclusivity, collaboration, and innovation has been recognized by Great Place to Work, Canada’s Most Admired Corporate Cultures, and more. Jobber has also been named on the Globe and Mail’s Canada’s Top Growing Companies list, and Deloitte Canada’s Technology Fast 50™, Enterprise Fast 15, and Technology Fast 500™ lists. With an Executive team that has over thirty years of industry experience of leading the way, we’ve come a long way from our first customer in 2011—but we’ve just scratched the surface of what we want to accomplish for our customers .

The Team:

Fintech is one of the fastest-growing parts of Jobber, and a core strategic priority for us as a company. We're investing in this area because we believe embedding financial tools within our product deepens our ability to help small businesses be successful—whether that's helping them get paid through Jobber Payments, or, in the near future, offering them access to capital through a growing lending business.

Our Risk team is a critical part of the broader Fintech team, and core to Jobber's success. Credit Risk is responsible for the frameworks, models, and operational discipline that let us extend payments and lending products responsibly, protecting both our customers and Jobber from undue credit exposure.

The Role:

The Manager, Credit Risk will lead and grow a team of Credit Risk Analysts, owning the day-to-day operations of the credit risk function while helping build it into something more ambitious: an AI-native credit risk practice, built for Jobber Payments today and ready to scale into a growing lending business. This is a role for a builder, not a doer—someone who looks at a manual process or an ad hoc decision and asks how it should be automated, modeled, or systematized, rather than simply executed by hand.

You'll work closely with Data Science and Risk Analytics to design and strengthen credit risk models, policies, and monitoring, and you'll partner cross-functionally across Fintech, Product, and Customer Support to make sure credit risk decisions are embedded seamlessly into the products our customers use every day.

The Manager, Credit Risk will:

Lead, coach, and grow a team of Credit Risk Analysts, setting the standard for how the team investigates, decisions, and communicates credit risk.

Own credit risk operations end-to-end: underwriting and exposure decisions, portfolio monitoring, loss forecasting, and reporting on credit risk performance and trends.

Partner closely with Data Science and Risk Analytics to build, validate, and improve credit risk models and decisioning logic, including scorecards, statistical models, and machine learning approaches where they add value.

Champion an AI-native approach to credit risk management—using AI and automation to build novel solutions to novel problems, not just to speed up existing workflows.

Build and strengthen the credit risk function for Jobber's payments business today, and lay the groundwork for credit risk management of a growing lending business.

Work cross-functionally with Fintech, Product, and Customer Support teams to embed credit risk policy and controls into product and operational workflows.

Develop a credit risk provisioning process and reserving practices building from IFRS9 or equivalent GAAP standards, partnering with Finance and Accounting as needed.

Identify opportunities to automate manual credit risk processes and drive them from idea through to implementation.

Report on credit risk exposure, portfolio health, and emerging trends to Fintech and Risk leadership.

Support broader Fintech and Risk initiatives on credit-risk-relevant topics, including vendor evaluations and new product launches.

To be successful, you should have:

Demonstrated experience in credit risk, in financial services, fintech, payments, or lending, including people leadership or mentorship of an analyst team.

A builder's mindset: a track record of solving problems through automation and tooling, not just process, and genuine enthusiasm for using AI to build new approaches to credit risk rather than only applying existing ones.