Credit Risk and Analytics Lead

About Keep

Our Journey 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.

Location Type: Remote Employment Type: FullTime

About the Role

We’re looking for a Credit Risk Lead with a strong data analysis background to take ownership of our credit strategy and policy. If you’re a data analyst who loves working with large datasets, writing complex SQL queries with experience in small business lending, and turning insights into real-world risk decisions, this role is for you.

You’ll build and monitor dashboards, analyze portfolio performance, and use data to shape our underwriting models and policies proactively. This role is perfect for someone who wants to move from pure analysis into strategic ownership, using data to guide the future of credit at Keep.

Who We're Looking For

• Own our credit risk strategy, with a focus on data-driven decision making
• Write complex SQL queries to extract insights from large datasets
• Build dashboards and reporting to monitor loan book performance, default rates, and key risk indicators
• Analyze portfolio trends and stratify risk by variables like industry, risk tier, revenue size, and time on book
• Identify early signals of risk performance issues and recommend proactive changes
• Collaborate with engineering to implement credit model improvements based on empirical data
• Adjust risk variables, weights, and logic to improve underwriting accuracy and profitability
• Propose credit product tweaks to balance revenue opportunities and risk exposure
• Drive credit policy evolution as the company scales

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 Are

• A data analyst or data-driven professional with strong SQL skills
• Experienced working with large datasets, ideally in financial services, lending, or credit analysis
• Comfortable translating data into strategic credit decisions
• Curious, proactive, and not afraid to challenge assumptions or recommend changes
• Skilled at building dashboards, tracking KPIs, and driving portfolio insights
• Bonus if you have experience in small business lending or fintech underwriting

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.