Head Of Credit

Join our small, fiery team on a mission to usher in the Bitcoin Golden Age.

About Shakepay

Shakepay is on a mission to usher in a Bitcoin golden age, where Canadians have access to Bitcoin-friendly, secure, and rewarding financial services. When Shakepay launched in 2015, it quickly became one of Canada’s fastest-growing financial institutions. Backed by top venture capitalists having raised $44M+ and trusted by over one million Canadians and counting, Shakepay is reimagining banking for the digital age. People who choose careers at Shakepay are helping shape a future of financial inclusion, opportunity, and prosperity for all Canadians.

Head of Credit

As the Head of Credit, you will own Shakepay’s credit products, working closely with cross-functional teams from ideation to delivery. You will develop the go-to-market strategy with the goal of driving growth, profitability and customer satisfaction. You will work closely with the leadership team to ensure credit products are aligned with the broader goals of Shakepay, and represent our brand in every aspect.

You will

• Oversee the credit business in its entirety, including sales, marketing, underwriting, customer service, collections, etc.
• Develop business strategies that will drive growth, profitability, and competitive success for Shakepay’s credit products
• Work with internal cross-functional teams to bring credit products to market
• Drive credit decisioning best practices in collaboration with our data team by constructing business specific models, policies and strategies to optimize performance
• Develop and implement a multi-year learning agenda across consumer research, analysis and in-market testing
• Identify emerging trends, risks and marketplace developments, and develop recommendations to respond accordingly
• Ensure feedback loops are executed that turn performance insights into actions to correct negative variances and capitalize on positive variances
• Establish strong relationships with credit partners 

Must have

• 5+ years of experience as a business manager owning the P&L of credit or lending products 
• 2+ years of experience at a fintech, ideally in a credit role
• Proven experience in consumer credit risk management, including exposure to many or all segments of the lending lifecycle (acquisitions, underwriting, product development, customer management, collections, recoveries and fraud)
• Experience in developing monitoring and reporting that enables efficient tracking and managing of lending portfolios
• Experience utilizing alternative data approaches to develop rigorous frameworks to support credit decisions, predict risk and forecast credit performance
• Proven track record of contributing to revenue growth and surpassing objectives in a fast-paced environment
• Excellent communication skills, with the ability to build relationships with external partners 
• Strong business sense and leadership experience

Nice to have

• Proficiency in SQL and predictive modeling
• Knowledge of bitcoin

Why join? 

• Be part of a groundbreaking journey: you'll live on the frontier of financial innovation. Bitcoin is rewriting the rules, and Shakepay is at the forefront.
• Impact and scale: with only 2% of Canadians on Shakepay, the potential for growth is massive. You can help us bring Shakepay and bitcoin to all Canadians.
• Rewarding benefits: we offer competitive compensation (every shaker owns stock options), benefits (health, dental, paramedical, disability, etc), and generous vacation time.
• Embrace continuous learning: ambitious individuals with an insatiable thirst for knowledge will feel at home. Working at Shakepay means you'll be working in an environment that encourages constant growth and development.
• Get paid in bitcoin: choose to take a percentage of your salary in the hardest, soundest money the world has ever known.
• Work remote: work from anywhere in Canada. If you're in Montreal or Toronto, you can also work from our offices.

We understand that potential can be just as valuable as experience. If you're eager to learn, grow, and contribute to the mission but worry that you may not have the “right” experience, we still want you to apply. We encourage applications from everyone, regardless of background and life experience. We’re firm believers that a little bit of slope makes up for a lot of y-intercept.

Please note that while all of our roles are remote, we are a Canadian company and will not be sponsoring visas for this position. You must be eligible to work in Canada to apply.

Fluency in English is required due to the percentage of English-speaking customers and the nature of our platform, which is available to all Canadians.