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Location:
Ontario
Category:
Compliance & Risk

Financeit
Manager of Risk Strategy, Commercial & Channel Risk

Toronto, ON, Canada
Who we are:
Financeit is a point-of-sale financing provider serving some of the largest home improvement and retail organizations in Canada.
Our platform helps businesses close more sales by offering customers affordable monthly payment options for their next big home improvement, vehicle or retail purchase.
We are small enough that you can make an impact within the company and large enough to make an impact in the market.
Financeit is a company where collaboration, inclusivity, fairness, and respect aren’t just ideas that get talked about, but are part of who we are. If such a workplace intrigues you, we hope you’ll join us.
About the role:
Do you thrive on finding simple and elegant solutions to complex problems using data and technology? Are you curious about the intersection of indirect lending, consumer finance, capital markets and fintechs, and excited to join a team that tackles big challenges head-on?
If you’re ready to take your strategic thinking, advanced analytics skills, and knack for digging into the details to the next level while leaving your mark on a rapidly growing organization, we want to talk to you! Oh, and yes, being fun matters. A lot.
As the Manager of Risk Strategy for Commercial & Channel Risk, you’ll work on developing channel, commercial/small business (B2B), and customer (B2B2C) risk management strategies for our largest verticals – home improvement & vehicle lending – and some of our most sensitive products – multi-stage financing - using a balanced strategic and analytic approach.
What you'll do:
Develop a company framework for managing channel, individual merchant, commercial product (multi-stage financing), and concentration (ex. sub-vertical, geography, macroeconomic, etc.) risk.
Build, deploy, maintain, continuously improve ROA-optimising channel and merchant-level underwriting strategies, decisioning criteria, scores & controls.
Support the development and continuous improvement of ROA-optimising consumer credit policies, strategies and tests for the home improvement and vehicle channels by ensuring that commercial counterparty exposure and channel effects are taken into consideration.
Obtain internal alignment on and deploy risk policies that are compliant with the organisation’s risk appetite.
Monitor strategy performance, develop and execute backtesting, and help guide reporting and trigger requirements – working collaboratively with cross-functional stakeholders as required - to ensure that policies, strategies, and scores are effective and high-performing.
Conduct regular merchant and loan quality audits and recommend changes to policies and procedures.
Contribute to the continuous improvement of team efficiency and effectiveness by identifying high quality data sources and opportunities for the team to apply automation to key processes, reports and documentation.
Go beyond the basics and dig deep into trends, anomalies and analytic findings to link them to actual real-world events, macroeconomic events, industry developments, and/or customer attitudes and behaviours to draw meaningful insights that can improve ongoing business outcomes.
Work with cross-functional partners to understand and incorporate their ideas and objectives into risk strategies.
Bring energy, positivity, and a team-first attitude every day, while striving to make the team and yourself better.
Requirements
Bachelor’s degree in a quantitative field (e.g., Engineering, Math, Computer Science, Applied Sciences, or Finance).
3-5 years of full-time and/or internship experience in B2B and/or B2B2C (indirect channel) strategy, analytics, credit and/or fraud risk management, or finance with a significant focus on both qualitative (ex. expert judgment / manual underwriting) and quantitative (statistical scorecard development) approaches.
3+ years of applied experience in building both quantitative and qualitative strategic plans, models and policies.
3+ years of experience creating senior management ready communications and presentations with Excel, PowerPoint & Word.
Advanced skills in data manipulation and statistical modeling, with proficiency in SQL, Excel, and Python (nice-to-have).
Experience conducting complex B2B risk assessments, indirect lending / consumer credit risk, or business analysis at a financial institution, a strong asset.
Strong strategic thinking, judgment, communication (verbal, visual, and written), with advanced problem-solving and analytical skills.
Legitimately curious and passionate about finding the “right answer,” with a detail-oriented mindset and a “healthy sense of paranoia” about quality.
Highly organized and driven, with the ability to manage competing priorities while meeting deadlines.
You thrive in a collaborative environment and bring energy and enthusiasm to the team culture.
Benefits
Certified as one of Canada’s Most Admired Corporate Cultures twice, we offer more than just the basics. Take advantage of:
An award-winning culture with a collaborative & inclusive team.
Competitive pay and performance based bonus.
Committed to flexible work arrangements, offering hybrid workplace options (2 days in office).
Comprehensive medical, dental and vision coverage + Lifestyle Account.
RRSP Matching and Parental Leave Top Up Program.
In office massage, meditation & workout sessions.
Virtual events such as Lunch & Learns, company parties, fun team activities and charity initiatives.
Career learning and development programs.
Next Steps:
If what you just read excites you, we’d like to hear from you! Please submit your application and we’ll contact you if you become selected for a phone interview.
Financeit is an equal opportunity employer. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Entuitive
Risk Manager

Toronto, ON, Canada
What is the opportunity?
As the Design Risk Manager, you will be responsible for ensuring the effective identification, assessment, and mitigation of project risks throughout the design process and lead the risk management process throughout the design phases of engineering projects. The ideal candidate will possess a strong background in risk management principles and practices, an understanding of engineering design practices, and a passion for delivering projects that meet both technical and safety standards. You will work closely with project managers, engineers, clients, and other stakeholders to identify design-related risks and implement proactive mitigating measures. This is a key role in maintaining the reputation of Entuitive as a trusted partner within our client and consulting engineering community.
Risk Identification & Assessment: Identify, assess, and track risks in a comprehensive project risk register from project initiation and throughout the project lifecycle including risks associated with project execution, technical requirements, financial management, design development, operations and maintenance requirements, safety, and regulatory compliance.
Risk Mitigation: Together with the project design team, develop and implement risk mitigation strategies and action plans, such as design modifications, process adjustments, or alternative solutions to reduce or eliminate design risks, including monitoring their effectiveness and recommending any necessary adjustments. Ensure that all risk mitigation activities are tracked and evidenced in the risk register and aligned with the project design goals and objectives.
Collaboration: Work closely with multi-discipline teams, including project managers, engineers, financial analysts, sub-consultants, clients and other external stakeholders, to ensure risk management practices are integrated into the design and review processes.
Compliance & Standards: Ensure that design risk identification and mitigation practices comply with industry regulations, guidelines, codes, safety standards, and in accordance with best practices.
Communication: Communicate risk management policies and procedures to all relevant project stakeholders and facilitate risk workshops and training sessions to promote a risk-aware culture at Entuitive.
Risk Reporting: Prepare detailed risk reports with metrics and KPIs, and presentations for senior management, clients, and project teams, that provide updates on project risk status and mitigating actions.
Training & Mentorship: Provide training and guidance to project team members on risk management principles and practices, fostering a collaborative risk-aware culture within the project team and Entuitive.
Continuous Improvement: Stay updated on industry trends, risk management tools, and best practices, and recommend improvements to risk assessment processes and systems. Foster a culture of continuous improvement and proactive risk management.
Requirements
What do you need to succeed?
Bachelor’s degree in Engineering, Risk Management, Finance, Business Administration, or a related field.
Candidates with professional certifications such as CRMP, PMI-RMP, RIMS-RMP, CSP, FRM, PRM, PMP, P.Eng are preferred.
A minimum of 15 years of experience in design risk management, with at least 10 years in the consulting engineering industry. Experience with assessing and managing risks in projects that upgrade or re-develop operational rail and transit stations is preferred.
Proven experience in developing and implementing risk management plans that identify and quantify project risks and their root cause and prioritize resources to control the most critical risks that threaten successful delivery of project scope, schedule and budget while also detailing strategies for capturing possible opportunities enhancing the project’s success.
Experience with developing and managing Risk Registers that track and detail risk types, risk root causes, impacts to the public, client and stakeholder assets or interests, health and safety, operations and maintenance, and project scope, costs, and schedule with corresponding mitigation requirements and the responsible mitigation owner.
Proficiency in the use of risk identification techniques as well as qualitative and quantitative risk analysis and risk monitoring and reporting tools and software such as SWIFT methodologies, Risk matrices, FMEA, FTA, ETA, PRA, Monte Carlo Simulation, Oracle Primavera Risk Analysis, Primavera P6, and DOORS.
Strong knowledge of risk management standards and guidelines such as ISO 31000 and ISO 31010, ISO 9001, ISO 45001, BS-6160-1, NEBOSH, CDM2015, MODSafe, and FTA Guidelines.
Exceptional leadership and team management skills, with the ability to collaborate with the client and across design teams and stakeholders, and with various Entuitive departments and offices.
Excellent communications, presentation, and interpersonal skills, capable of engaging with internal teams, external consultants, clients, the public, and stakeholders.
An analytical mindset with problem-solving capabilities and a keen eye for detail.
A passion for proactive design risk management and mitigation.
Knowledge and interest related to embodied carbon is considered an asset
Benefits
Why Entuitive?
Flexible working hours, 37.5 hour work week.
Minimum 3 days a week in office. Building strong relationships and collaborating internally is important to us!
Commitment to staff growth through mentoring and training.
Employer paid medical, dental, and vision insurance premiums for employees and their dependents.
Generous parental leave policy.
RRSP matching up to 5%.
Participation in our discretionary profit-sharing plan.
About Entuitive
We are deeply committed to fostering an inclusive, equitable, and accessible environment where all employees and clients feel valued, respected, and supported. Entuitive will ensure that reasonable accommodations are made to persons with disabilities during the recruitment and assessment processes.
If you are excited about this opportunity and are interested in learning more about Entuitive, please check out our About Us page.
At Entuitive, we prioritize human-centric evaluation methods and do not utilize AI for screening or recruitment processes.