Credit Risk Lead

Our Journey at Keep

At Keep, we embarked on a mission with a powerful question: Why hasn't the banking experience caught up with the rapid pace of technology?

This continues to fuel our passion for reshaping the Canadian fintech landscape. We provide businesses with a comprehensive suite of cross-border banking services, offering everything from credit cards to deposit accounts, currency conversions, and revenue financing.

With a team of seasoned global startup veterans with successful exits, Keep is committed to leading the charge as Canada's next-generation fintech institution. Backed by VCs in the fintech sector, we're racing ahead, expanding our reach and impact like never before.

About the Role

Join Keep as a Credit Risk Lead, where you’ll take full ownership of our credit strategy and policy. This isn’t a support role — it’s a leadership position with real accountability. You’ll build dashboards, analyze loan performance, adjust underwriting models, and collaborate cross-functionally to drive smarter, faster, and more accurate credit decisions. If you thrive at the intersection of data, risk, and strategy — and want to build the credit engine of a fintech startup — this is your opportunity.

Who We're Looking For

• You’ve built or significantly evolved a credit policy at a lender, and understand the variables, iterations, and trade-offs that come with it.

• You’ve worked in fintech and understand the differences between underwriting in tech vs traditional financial services.

• You’re comfortable navigating small business underwriting — or curious enough to learn its nuances fast.

• You lead with strategy: you ask the right questions, guide discussions with stakeholders, and keep the company’s risk-reward balance in mind.

• You’re deeply analytical and naturally inquisitive. You don’t just look at data — you question it, find patterns, and use it to make decisions.

Key Responsibilities:

• Own the Credit Policy: Take end-to-end ownership of the credit strategy, making iterative improvements based on data and business needs.

• Monitor Loan Book Performance: Set up dashboards, analyze default rates, and stratify loan performance across key variables.

• Evolve the Underwriting Model: Adjust risk weightings, variables, and logic based on performance data. Collaborate with engineering and data teams to implement changes.

• Cross-Functional Collaboration: Partner with operations, sales, finance, and engineering to ensure the credit strategy is aligned and well-executed.

• Proactive Risk Management: Identify risks early and propose mitigations before they become issues.

• Drive Strategic Projects: Propose and lead initiatives to improve credit performance and evolve our product offering.

• Long-Term Credit Strategy: Develop frameworks that scale with Keep’s growth and adapt to new market opportunities.

Why You Should be Excited About This Role

• You’ll take full ownership of our credit policy in a growing fintech with real impact on revenue, risk, and product strategy.

• You’ll shape how we lend — not just build on someone else’s model, but create and iterate your own.

• You’ll work cross-functionally and be embedded in the core of the business.

• You’ll have executive visibility and a direct line to outcomes.

• You’ll help scale a high-impact lending product while balancing growth and risk.

Why Join Keep?

• We’re a fintech startup building a modern financial ecosystem for SMBs in Canada.

• Join a team that’s rewriting how businesses access credit, spend, and grow.

• Be part of a company that values autonomy, accountability, and impact.

• Work in a culture that prizes clear thinking, cross-functional collaboration, and real results.

• Enjoy a remote-friendly, flexible work environment with a team that actually enjoys working together.

Why This Might Not Be a Good Fit

• If you’ve only worked in rigid, traditional financial institutions, the fast-moving nature of a startup may feel overwhelming.

• If you need clear, detailed instructions before taking action, this role won’t provide that.

• If you’re more comfortable analyzing problems than solving them — especially through iteration — the ownership here may feel intense.

• If you prefer working independently and avoid collaboration, our approach to team problem-solving might not resonate.

What’s the Interview Process Like?

1. People Screening with Omar (30 min): A conversation to assess cultural fit, strategic mindset, and analytical instincts.

2. Peer Interview with Adam (45 min): Explore fintech experience, small business underwriting, and collaboration skills.

3. Hiring Manager Interview with Josh, CFO (45 min): Dive deep into your experience managing credit portfolios and policies.

4. Project Presentation: Present your approach to refining a credit model, evaluating risk, and collaborating with stakeholders.

5. References: We’ll connect with a few people who’ve worked closely with you.

6. Offer 🎉

Want to Learn More?

Head over to our webpage to discover more about us. Take a peek at our Glassdoor profile to see what our Keepers are saying, and stay tuned for exciting updates on our LinkedIn page and learn about our values and benefits on our career page.

Commitment to Diversity and Inclusion

Keep provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, genetics, sexual orientation, gender identity, or gender expression. We are committed to a diverse and inclusive workforce and welcome people from all backgrounds, experiences, perspectives, and abilities.