Associate, Credit Risk Operations

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.

About the Credit Risk, Money-Owed Team

The Credit Risk Money-Owed team at Wealthsimple operates in a fast-paced, collaborative environment where data drives every decision. We focus on analyzing and resolving account debits while ensuring timely client reimbursements through robust data infrastructure and analytics. Our team embraces Wealthsimple's Maker Owner and The Client culture values as we build scalable reporting solutions, develop insights that inform risk management strategies, and support operational workflows. We take naive ambition seriously, leveraging data and analytics to continuously improve debt resolution processes while working closely with various stakeholders such as product, engineering, compliance, and market risk to build a data-driven, client-first brokerage business.

About the Associate, Credit Risk Operations Role

As an Associate in Data and Analytics on the Credit Risk, Money Owed team, you'll be at the heart of our data operations, building the reports and analytical frameworks that power our risk management processes across products. You'll work with large datasets, create insightful dashboards, and support critical projects that help Wealthsimple recover millions of dollars quarterly while ensuring our clients are reimbursed accurately and efficiently. This is an excellent opportunity to grow your career in fintech analytics while making a tangible impact on both the company's bottom line and our clients' financial well-being.

In this role, you’ll have the opportunity to:

• Support liquidation team - Work with the liquidation team on processing account debits.
• Build data infrastructure - Design and maintain SQL queries, dbt models, and analytical frameworks that provide reliable insights into delinquencies, reimbursements, and recovery rates across our products.
• Create impactful reporting - Develop dashboards and reports in tools like Preset, Metabase, or similar platforms that help stakeholders make informed decisions about risk management and operational priorities.
• Support data-driven projects - Contribute to initiatives like process automation, data quality improvements, and new product launches by providing analytical support and insights.
• Analyze trends and patterns - Monitor delinquency metrics, identify anomalies, and surface insights that help the team proactively address risk and optimize recovery strategies.
• Collaborate cross-functionally - Work with Finance, Treasury, Engineering, and Product teams to understand data needs, troubleshoot reporting issues, and deliver analytical solutions.
• Ensure data quality - Validate data accuracy, document processes, and maintain data integrity across our reporting systems to support compliance and governance requirements.
• Grow your skills - Learn from experienced team members, develop your technical expertise, and explore emerging technologies like AI/ML applications in credit risk management.

What you’ll bring:

• Deep experience in operational optimization, quantitative analysis, or similar roles.
• Strong technical skills with proficiency in Excel, Python, SQL, or similar tools for data analysis.
• Experience working with large datasets and deriving meaningful insights.
• You're passionate about the fintech and alternative investment space, always curious to dig into day-to-day issues and find smart solutions.
• You're a detail-oriented problem-solver who thrives under pressure, expertly managing multiple time-sensitive tasks while quickly adapting to challenges in a fast-paced, ambiguous environment.
• You excel at communication and collaboration, working effectively with cross-functional teams and partners.

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

• Data Analysis
• Credit Risk Management
• SQL
• dbt
• Python
• Excel
• Reporting & Dashboards
• Operational Optimization
• Financial Services
• Stakeholder Collaboration