About this role
Build something people loveWealthsimple's mission is to help everyone achieve financial freedom – by making financial services simple, transparent, and low-cost. We're Canada's largest fintech, trusted by over 3 million clients with more than $100 billion in assets. We move fast, we own our work, and we care deeply about the people using our products. If that sounds like you, keep reading.
We're proud of what we've built — and we're just getting started. Read our Culture Manual and learn more about how we work.
About the teamAt Wealthsimple, we aren’t just managing portfolios; we’re rewriting the rules of how Canadians interact with credit. The Credit Analytics team isn't your typical lending department. We are the owners of Wealthsimple’s retail lending ecosystem, operating at the intersection of high-growth tech and data driven underwriting. We believe that being "credit-worthy" should mean more than just a traditional score. Our mission is to challenge the status quo, building inclusive products that empower millions of Canadians to lead better financial lives. We are currently in a high-growth "green-field" phase, moving from small data to massive scale through iteration and experimentation.
About the role(s)We are looking for two Senior Associates, who are strategic thinkers, to own the risk-return landscape for our flagship lending products. You won’t just be a cog in a machine; you will be the primary driver of how these products grow and perform.
Senior Associate, Credit Card Growth In this role, you will take the lead on our expanding credit card suite, acting as the primary owner for our growth engine. You will collaborate across teams to design and deliver end-to-end strategies for card approvals, initial limits, pricing, and authorizations. You will collaborate cross-functionally to design and deliver end-to-end strategies across many domains such as card approvals, initial limits, credit limit increase/decrease, pricing, authorizations. By balancing customer acquisition with smart risk management, you will directly influence the trajectory of our credit card portfolio and help define what a modern credit experience looks like for a growing number of customer segments.
Senior Associate, Overdraft As the lead for our Overdraft product, you will own the entire lifecycle of risk-managed adjudication and limit strategies. Your work focuses on designing sophisticated lending boundaries that delight customers while ensuring product viability through rigorous lifecycle monitoring. By working closely with our collections and fraud teams, you will ensure our most liquid lending products are performing at peak efficiency while maintaining a deep commitment to responsible, inclusive lending.
What you'll doBuild the strategies to manage risk and optimize performance across Wealthsimple’s credit products, and other retail lending domains.
Evaluate the performance of lending portfolios, and the performance of your campaigns, lending strategies and experiments.
Propose strategy enhancements to improve marginal profitability and mitigate emerging risks.
Design and test of retail lending campaigns that drive revenue by changing approvals, line management, pricing, credit limits, recovery rates.
Collaborate across many teams to influence road maps, and implement your strategies that drive immediate impact.
Skills you bringHas strong data skills: dashboards, reporting, visualization, data manipulation.
Experience using SQL to conduct quantitative analysis, and synthesizing results into actionable proposals.
Can develop and communicate stories to both technical and non-technical stakeholders.
Is able to internalize and weigh information to come to balanced decisions.
Is intellectually curious, passionate about their work, and wants to have ownership over their projects
Has 5+ years experience in retail lending across multiple domains such as credit risk, credit modeling, credit lifecycle management, collections, credit policy implementation, profitability analysis.
Is experienced with statistical/quantitative analysis: experimental design, champion/challenger (or A/B) testing, model accuracy validation, constrained optimization, decision trees, discounted cash flows, financial modeling.
Has technical experience in: SQL, Python, GitHub.
Airflow, AWS redshift, dbt are nice-to-have
Why Wealthsimple?🌸 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.
ICYMITechnology & 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.