At Mogo, we're on a mission to help Canadians get financially fit. As we scale our line of credit product, we're looking for a Director-level Credit Risk pro to lead the charge on IFRS 9 modeling (PD/ECL), collections strategy, and loan loss forecasting — all with a laser focus on the unique dynamics of subprime lending.

This is a high-impact IC role where you'll own critical risk models, shape collections strategies, and drive insight into credit performance across the portfolio. You'll also have the opportunity to explore and apply AI tools and advanced analytics to push the boundaries of credit decisioning. If you're equal parts strategist, builder, and hands-on analyst — this role is for you.

What You'll Do:

• Build, refine, and own IFRS 9 PD/ECL models for our credit products
• Lead loan loss forecasting and macroeconomic scenario analysis
• Design and optimize collections strategies and recovery segmentation
• Partner with Finance, Product, and Data teams to drive smarter credit decisions
• Explore and apply AI/ML models or tools for credit risk prediction, segmentation, or automation
• Own model governance, documentation, and validation
• Be a thought partner across the org on credit policy, risk appetite, and product risk design
• Dive into portfolio trends, delinquencies, roll rates, and forward flow risk

• What You Bring:
  8+ years in credit risk, analytics, or modeling — ideally in consumer lending
• Deep experience with IFRS 9, PD/ECL, and subprime portfolios
• Strong collections strategy experience (early/loss stage & recoveries)
• Advanced skills in Python or SQL
• Interest or experience in using AI tools (e.g., ML models, NLP, automation platforms) for credit risk modeling or process optimization
• Sharp communicator who can translate complex models into real-world impact

Benefits of working with us:

• ALWAYS FULLY REMOTE WORK - Enjoy the flexibility of remote work, supported by necessary resources #LI-Remote
• Comprehensive Health and Wellness - Access medical, dental, and vision coverage plus a Health Spending Account
• Stock Options - Have a stake in the company's success through stock options
• Flex Vacation - Benefit from paid time off, including vacation days, holidays, and personal days
• Innovative and Inclusive Culture - Engage in cutting-edge projects and be part of an inclusive workplace
• Wellbeing Programs - Access counseling services, mental health support, and additional wellness resources

About Us:

We help make it easy for Canadians to achieve financial freedom while making a positive impact.
We live in the most innovative and technologically advanced era, yet so much struggle exists. Most of us are far from where we want to be financially.
We all want a better future. A better world where reaching financial freedom is a question of when, not if. One that's equitable so that all can prosper. One that's safe from the impact of climate change.
Our money has the power to change the world. It's up to us to do things differently.

Apply today! Do you know anyone who would be a great fit for this role or other roles on our career page? Please share this job posting with them! Mogo is an inclusive place to spend your work life. We hire team members for their talent and diverse backgrounds. Bring your unique perspective to Mogo and help our customers achieve their best financial lives.

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