Job Description: Credit Risk Lead

Employment Type: Full-Time Location Type: Remote Salary: [Not Specified]

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.