Director, Financial Risk

ABOUT KOHO

We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians.

At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust.

KOHO is entering its next chapter - leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in.

ABOUT THE ROLE

KOHO is looking for a Director, Financial Risk to lead the strategy and analytics efforts within our financial risk management function. In this pivotal role, you will oversee both Credit Risk and Non-Credit Financial Risk (including Market and Liquidity Risk), managing a team of people managers and experts to safeguard KOHO’s financial health while enabling sustainable growth.

Working closely with Product, Finance, Technology, and Data teams, you will lead a team of financial risk subject matter experts in the development and implementation of analytical frameworks that drive our risk decisions and ensure regulatory compliance. In addition to being the financial risk SME in the development of risk and valuation models, you will have end-to-end ownership for risk appetite metrics and loss forecasting, IFRS 9 provisioning, and portfolio monitoring. You will also provide "effective challenge" and decision governance across the organization.

WHAT YOU'LL D...