wealthsimple - Senior Associate, Business Lending
Requirements
• Writes SQL hands-on to self-serve data and build monitoring and analytics. • Brings credit discipline to a ship-and-iterate environment, and is comfortable shaping policy while the product itself is still being defined. • Can turn analysis into a clear recommendation for technical and non-technical audiences, weigh incomplete or noisy information and still reach well-grounded decisions. • Is intellectually curious, passionate about their work, and wants ownership over their projects. • 5+ years of experience in small business lending • Knowledge of Canadian consumer credit bureau data (Equifax, TransUnion) • Working knowledge of how business credit risk differs from consumer credit risk: entity vs. personal guarantor assessment, business bureau data (e.g., business credit bureaus), cash-flow-based underwriting, industry/sector risk, and revenue seasonality. • Experience across the credit lifecycle: adjudication policy, line management, pricing, and collections strategy. • Experience with statistical/quantitative analysis: experimental design, champion/challenger (or A/B) testing, model accuracy validation, constrained optimization, decision trees, discounted cash flows, financial modeling. • Experience with Python, and GitHub. Airflow, AWS Redshift, and dbt are a plus.
Benefits
• 🌸 Top-tier health benefits and life insurance • 📈 Long-term group savings with employer match, through Wealthsimple for Business • 🌴 20 vacation days, 4 wellness days, and unlimited sick and mental health days per year* • ✈️ 90 days away: work outside Canada for up to 90 days per year* • 👥 Employee resource groups, including Rainbow (2SLGBTQ), Women of WS, and Black at WS • 🌎 We are a hybrid team with over 1,500 employees across North America. The people are one of the best parts of working here: you'll collaborate with incredibly talented, curious, and driven teammates who are deeply committed to doing great work. • Unlimited paid sick days, Wellness Days and the 90 day away program do not apply to certain roles. • Technology & Innovation at Wealthsimple: We move quickly and build thoughtfully. That means we're always looking for better ways to work — whether that's new tools, AI, or rethinking how we approach a problem. We don't expect you to have all the answers, but we do expect curiosity and a willingness to evolve alongside the products we're building. • Inclusion Statement: We're building products for a diverse world, and we need a diverse team to do it well. We strongly encourage applications from everyone, regardless of race, religion, colour, national origin, gender, sexual orientation, age, marital status, or disability status. • Accessibility Statement: We're committed to an accessible hiring experience. If you need any accommodations throughout the interview process, please let us know — we'll work with you to make sure you have what you need. We also welcome any feedback on how we can better accommodate candidates with accessibility needs. • AI in Hiring: We may use artificial intelligence (AI) tools to support parts of our hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our team but don't replace human judgment – all final hiring decisions are made by people. If you have questions about how your data is used, reach out to us.
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