Head of Credit

At Shakepay, we’re on a mission to usher in the Bitcoin golden age. We’re reimagining financial services to give every Canadian their fair shake.

Our culture is built around doing work that matters, winning as a team, and celebrating success. If you’re the kind of person who values growth, shipping fast, and sharing your ideas openly with a group of like-minded people, come and build with us!

About Shakepay

Since 2015, we’ve been building the Shakepay app to make buying and earning bitcoin fast, easy, and secure. In 2022, we launched the Shakepay Card, allowing shakers to earn bitcoin rewards when they shop. Today, more than one million Canadians use Shakepay to grow their bitcoin savings and take control of their financial future. 

We’re regulated across all Canadian provinces and territories, and backed by renowned venture capitalists with a funding of $44M. We have a passionate, loyal, and growing community, and we’re looking for people who want to help us build something truly special.

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.

What you’ll be doing 

• 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 

Who we’re looking for 

• 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

Bonus points

• Proficiency in SQL and predictive modeling
• Knowledge of bitcoin

Why join us?

• Help shape the future of money: Be part of a team that’s revolutionizing financial services in Canada, one sat at a time.
• Impact millions: As cryptocurrency continues to gain traction, our potential for growth is massive. You can help us bring Shakepay and Bitcoin to all Canadians.
• Grow your career: We’re growing, and so can you! We have programs in place to encourage continuous learning, growth, and development.
• Ideas, not titles: We want the best ideas to make their way through, no matter where they come from.

Perks and benefits

• Competitive compensation and stock options: Get rewarded with competitive pay and join our employee stock option plan.
• Health benefits from day 1: Access to comprehensive health and dental coverage, including health and wellness spending accounts. 
• Remote-friendly: Work from anywhere in Canada, with optional access to our office spaces in Montreal and Toronto.
• Learning and development: A $2,000 annual budget for courses, certifications, and training to support your career growth.
• Time off: 20 days of vacation per year. And if you use all your vacation, we give you a $1,000 bonus.
• Parental leave: Enjoy a parental leave top up to 100% of your salary for 18 weeks.
• Home office setup: A MacBook, a $1,200 budget for home office improvements, and a monthly stipend for home and internet expenses.
• Salary in bitcoin option: Choose to receive your salary in bitcoin – the soundest money to ever exist.
• Team and company offsites: Whether team-specific or company-wide, these events offer a great chance to connect and collaborate in person. 

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.

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.