Job Overview
Location
Canada
Job Type
Full-time
Category
Data Science
Date Posted
May 21, 2026
Full Job Description
đź“‹ Description
- • Serve as a senior leader on Clearco’s diligence and underwriting team, directly overseeing credit decisions for SMB customers within established authorization and escalation frameworks
- • Conduct comprehensive reviews of SMB customer financial health through detailed analysis of financial statements to form robust, data-driven credit recommendations for approval, decline, exposure limits, and key terms
- • Independently own and execute credit decisions for individual accounts, balancing risk appetite with growth objectives while adhering to internal risk policies and compliance standards
- • Develop, refine, and enhance Clearco’s risk frameworks and underwriting models by testing and validating new financial metrics, ratios, and analytical approaches to improve speed and accuracy of decision-making
- • Collaborate closely with cross-functional teams to fulfill time-sensitive ad-hoc requests and special projects, translating complex financial insights into actionable business recommendations
- • Act as a trusted risk advisor to leadership by delivering clear, data-backed insights that inform strategic capital allocation, portfolio management, and product evolution
- • Perform ongoing portfolio analysis to identify emerging risks, detect early warning signals, and implement targeted remediation plans to protect capital and optimize returns
- • Maintain expert-level knowledge of Clearco’s internal risk protocols, authorization thresholds, escalation paths, and compliance requirements including KYC and AML
- • Engage directly with SMB customers to understand their business models, financial performance, and growth trajectories, providing transparent communication during the underwriting process
- • Stay current with evolving underwriting best practices, emerging trends in e-commerce finance, and digital health metrics to continuously improve Clearco’s credit methodology
- • Apply a builder mindset to improve processes, increase operational efficiency, and scale underwriting capacity without compromising risk integrity
- • Communicate complex financial findings concisely and persuasively through written reports and direct stakeholder interactions, ensuring alignment across credit, product, and operations teams
- • Champion radical candor and ownership in all interactions, fostering a culture of accountability, transparency, and continuous improvement in risk decision-making
- • Leverage quantitative skills and analytical rigor to break down ambiguous financial situations, synthesize disparate data sources, and construct defensible credit narratives
- • Support the evolution of Clearco’s proprietary underwriting technology by providing feedback, identifying gaps, and suggesting enhancements based on real-world credit outcomes
- • Ensure all underwriting activities comply with applicable regulatory standards and internal controls, maintaining audit-ready documentation and decision trails
- • Partner with data and engineering teams to operationalize risk insights into scalable underwriting tools and automated workflows
🎯 Requirements
- • Degree in analytics, business, accounting, economics, finance, or equivalent practical experience
- • 7+ years of experience in credit underwriting, commercial banking, specialty finance, or fintech risk management
- • Direct experience with SMB credit underwriting and financial statement analysis
- • Deep expertise in financial underwriting, credit analysis, investment operations, or risk management
- • Familiarity with e-commerce business models and digital health metrics
- • Working knowledge of core compliance standards, including KYC and AML
🏖️ Benefits
- • Competitive compensation aligned with senior risk leadership roles
- • Opportunity to shape the credit strategy of a fast-growing fintech with $3B+ deployed to 10,000+ brands
- • Collaborative, founder-centric culture that values radical candor and ownership
- • Flexible work environment with inclusive, barrier-free recruitment and workplace policies
- • Access to continuous learning and professional development in dynamic fintech risk spaces
- • Meaningful impact through direct influence on capital access for small businesses across Canada
Skills & Technologies
Senior
Onsite
About Clear Finance Technology Corp.
Clear Finance Technology Corp. provides non-dilutive revenue-based financing to e-commerce and SaaS businesses. Using proprietary algorithms and data integrations, it evaluates real-time sales and marketing performance to advance working capital against future revenues. The company was founded in 2015 and offers advances from $10,000 to $20 million, repaid as a fixed percentage of daily sales until the agreed cap is met, without equity or personal guarantees.
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