Associate, Credit Card Growth

About Wealthsimple

Wealthsimple is on a mission to help everyone achieve financial freedom by reimagining what it means to manage your money. Using smart technology, we take financial services that are often confusing and expensive and make them transparent and low-cost for everyone. We’re the largest fintech company in Canada, with 3+ million users who trust us with more than $100 billion in assets. And we’re just getting started.

We’re looking for someone who thinks big, sweats the small stuff and keeps things simple. You’ll join a high-bar, fast-paced team where people are trusted to own their work, communicate openly, and ship things that improve our clients’ lives. Collaboration, humility, and an obsession over quality are how we get stuff done.

Be a part of our Canadian success story and help shape the financial future of millions. Read our Culture Manual and learn more about how we work.

The Credit Analytics Team

At 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: Associate, Credit Card Growth

We are hiring an Associate who can collaborate cross-functionally with our Engineering, Product, Data Science, Fraud, and Client Experience teams. You will contribute to strategies for credit card approval, initial limits, line management, pricing, authorization, and collections across a growing number of credit card products and customer segments. The Credit Analytics team is a great place to see your work deliver significant business impact and accelerate Wealthsimple's goal to be the primary financial service provider to millions of Canadians.

What You Will Do:

• Support the development of strategies to manage risk and optimize performance across Wealthsimple’s credit card products, and other retail lending domains.
• Evaluate the performance of lending portfolios, and the performance of your campaigns, lending strategies and experiments.
• Recommend strategy enhancements to improve marginal profitability and mitigate emerging risks.
• Execute and analyze retail lending campaigns that drive revenue by changing approvals, line management, pricing, credit limits, recovery rates.
• Work across many teams to support road maps, and implement your strategies that drive immediate impact.

What We're Looking For:

• Strong data skills: dashboards, reporting, visualization, data manipulation.
• Experience using SQL to conduct quantitative analysis, and synthesizing results into actionable proposals.
• Ability to develop and communicate stories to both technical and non-technical stakeholders.
• Able to internalize and weigh information to come to balanced decisions.
• Intellectually curious, passionate about their work, and wants to have ownership over their projects.
• 1-2 years experience in a retail lending domain such as credit risk, credit modeling, credit lifecycle management, collections, credit policy implementation, profitability analysis. Co-op experience accepted.
• 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.
• 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 using our Wealthsimple for Business platform
• 🌴 20 vacation days + 4 wellness days per year, and unlimited sick and mental health days
• ✈️ 90 days away program: Employees can work outside of Canada for up to 90 days per calendar year
• 👥 A wide variety of peer and company-led Employee Resources Groups (e.g., Rainbow, Women of Wealthsimple, Black @ WS)
• 🌎 We’re a remote first team with over 1,500 employees across North America - and one of the best things about working here is the people. You’ll be collaborating with incredibly talented, curious, and driven teammates who care deeply about doing great work.

Technology & Innovation at Wealthsimple

We believe the future belongs to those who innovate boldly. At Wealthsimple, every team member is expected to lean into new technologies, including AI, and tooling to rethink how we work, solve problems faster, and create even greater value. We're looking for people who are not just comfortable with change but energized by it. Our commitment is to build a company that evolves at the pace of the world around us, and we want you to help lead that future.

DEI & Accessibility

At Wealthsimple, we are building products for a diverse world and we need a diverse team to do that successfully. We strongly encourage applications from everyone regardless of race, religion, colour, national origin, gender, sexual orientation, age, marital status, or disability status.

Wealthsimple provides an accessible candidate experience. If you need any accommodations or adjustments throughout the interview process and beyond, please let us know, and we will work with you to provide the necessary support and make reasonable accommodations to facilitate your participation. We are continuously working to improve our accessibility practices and welcome any feedback or suggestions on how we can better accommodate candidates with accessibility needs.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Key skills/competency

• Credit Risk Management
• Quantitative Analysis
• SQL
• Python
• Data Visualization
• Retail Lending
• Portfolio Performance
• Experimental Design
• Financial Modeling
• Stakeholder Communication