[Hiring] Senior Associate, Business Lending @Wealthsimple Technologies

Role Description

We are looking for a Senior Associate to own credit policy for our business lending products, starting with a business credit card — from adjudication through the full account lifecycle. You will:

• Design and implement the underwriting framework that determines who qualifies and at what limit.
• Build the line management strategies that govern how those limits evolve.
• Partner closely with collections to manage risk once accounts are on book.
• Work with cash flow, seasonality, industry, and business bureau data.
• Collaborate cross-functionally with Engineering, Product, Data Science, Fraud, and Client Experience.
• Have significant ownership over how this portfolio’s risk appetite is defined from day one.

In this role, you will have the opportunity to:

• Build a new lending program from the ground up.
• Design and own the adjudication policy for a new business credit card.
• Own line management strategy for business credit products.
• Partner with the collections team to design risk-managed treatment strategies.
• Evaluate the performance of the business lending portfolio and your policies.
• Propose policy enhancements that improve marginal profitability.
• Help define the data and underwriting infrastructure needed for SMB lending.
• Influence roadmaps across partner teams and implement policy that drives measurable impact.

Qualifications

• Has direct experience underwriting or setting credit policy for small and medium-sized businesses.
• Writes SQL hands-on to self-serve data and build monitoring and analytics.
• Brings credit discipline to a ship-and-iterate environment.
• Can turn analysis into a clear recommendation for technical and non-technical audiences.
• Is intellectually curious, passionate about their work, and wants ownership over their projects.

Requirements

• 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.
• Experience across the credit lifecycle: adjudication policy, line management, pricing, and collections strategy.
• Experience with statistical/quantitative analysis.
• Experience with Python, and GitHub.

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.
• Hybrid team with over 1,500 employees across North America.