Director, Credit Risk

  • Full Time
  • Anywhere
  • 125 - 150

Oak HC/FT


Clearco is the leader of AI, data-driven ecommerce funding and has advanced over $2.5 billion in dilutive capital to over 10,000 businesses. Our revolutionary Invoice Funding product allows entrepreneurs to fund their expenses–including marketing and inventory–without giving up cash flow so they can plan for the future.



What your day-to-day will look like:

  • Play a leadership role in enhancing Clearco’s risk management processes and practices
  • Conduct reviews of Clearco customers to reach credit decisions and develop and refine detailed risk frameworks for these decisions
  • Undertake detailed financial statement analysis to evaluate the financial health of Clearco customers and prospects and effectively communicate findings to key stakeholders
  • Test and refine specific financial metrics and ratios Clearco uses in its financial statement analysis to enhance the efficiency and accuracy of Clearco’s underwriting process
  • Maintain expert knowledge of and adherence to Clearco’s internal financial underwriting framework, authorization limits and escalation processes
  • Build positive relationships and trust among key stakeholders. Influence and serve as a risk advisor to Clearco leadership
  • Conducting regular, ongoing analysis of the Clearco portfolio in order to identify risks and assist with the development of action plans for remediation

You will thrive if you have:


  • Graduated from an analytics, business, accounting, economics, or finance program
  • 7+ years of finance, credit underwriting, consulting, commercial banking, private equity, analytics, or investment banking experience
  • Prior experience underwriting SMB credit, preferably at a commercial bank or comparable lending platform
  • Extensive knowledge of and experience in financial underwriting, credit analysis, investment operations and/or risk management
  • A passion for diving deep into company data and conducting thorough financial statement and credit analysis
  • Experience leading and motivating high-performing teams
  • Strong analytical abilities to simplify sophisticated problems
  • Excellent communication, interpersonal, and collaboration skills
  • Confidence in building and presenting training modules on finance and risk management
  • Strong ability to write reports and conduct statistical analysis with clear recommendations
  • Sound knowledge of general compliance requirements as they relate to privacy, know-your-customer and anti-money laundering protocols
  • A results-oriented mindset, with a passion for exceeding goals, and a proven track record of success


What we offer:

  • Working with a passionate and supportive team, and finding a sense of belonging in the #Clearcrew
  • Competitive salaries and incentives, plus comprehensive health and dental insurance
  • A tech stipend to create your ideal work-from-home environment
  • Mental health support and professional development opportunities in a culture that emphasizes work-life balance and transparency
  • The chance to participate in high-impact work at a mission driven organization
  • Fertility, hormonal health, and family-forming benefit
  • RRSP Matching

Clearco is an equal-opportunity employer. We celebrate our inclusive work environment and welcome members of all backgrounds and perspectives to apply. At Clearco, we’re committed to developing and upholding an inclusive, transparent, and comfortable environment for all. We create a space where every voice, perspective, and idea is heard and acknowledged. We embrace differences and know that our diverse team is our strength and what drives our innovation.



Clearco is committed to developing a barrier-free recruitment process and work environment. If you require any accommodation, please let us know and we’ll work with you to meet your accessibility needs.


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