Lead Data Scientist - Credit & Risk

OPEN CAREER OPPORTUNITIES Lead Data Scientist - Credit & Risk King Street East, Toronto, Ontario, Canada, M5A 1L3 full-time . May 29, 2026 Description At Chexy, we're reshaping the way money moves - making payments smarter, faster, and more rewarding. We started by being the first in Canada to let people pay their biggest and most painful bills with credit cards and earn rewards on money they had to spend anyway. Now, we're on a much bigger mission: to build a super app that acts as your co-pilot for all your money - helping you get more value from every dollar you spend.Backed by Khosla Ventures and processing $2B+ in annual payment volume, we're a high-growth fintech at the forefront of payments innovation. We are looking for hungry, ambitious people to help us scale.About the roleThis is the most important technical hire we'll make this year, and one of the rare data science roles where you get to build an entire discipline from zero.We're launching a line of flex payment products for your largest bills. These products are the foundation of something much larger: they're how Chexy builds the underwriting and credit muscle that will eventually power our full financial ecosystem. There is no playbook here yet. You'll write it.You'll own credit and underwriting end to end: the models, the policy, the risk appetite, the decisioning logic, and the data infrastructure that feeds all of it. And you'll do it sitting on top of a dataset almost no one else in Canada has: how hundreds of thousands of Canadians actually pay their largest recurring bills, month after month. That's underwriting signal our competitors can't buy.You won't be handed a risk framework and asked to maintain it. You'll build the credit brain of the company, which means hands on the data, hands on the models and then head up the function as it grows. If you want a role where the decisions you make show up directly in approval rates, loss curves, and a product roadmap that runs all the way to a credit card, this is it.What you'll ownThe credit and underwriting function from the ground up: strategy, models, policy, and the team that followsUnderwriting and decisioning models for Rent Flex and every Flex product after it, built and deployed in productionThe credit data layer: defining the features, signals, and infrastructure that turn Chexy's payment data into underwriting powerRisk appetite and credit policy - approval logic, limit assignment, pricing inputs, and the guardrails that keep losses where they should beLoss forecasting, portfolio monitoring, and the early-warning systems that tell us when something's moving before it shows up in the numbersCross-functional partnership with Product and Engineering to ship decisioning into the live product, and with Compliance and our banking partners to keep it sound and regulator-readyThe metrics that matter - approval rate, loss rate, model performance - owned by you, monitored by you, defended by youWho you are6+ years in data science, with deep, hands-on experience building credit risk, underwriting, or decisioning models: ideally in lending, BNPL, cards, or fintechYou've shipped models into production and you've watched them perform (or misbehave) against real moneyFluent in Python and SQL, comfortable living in the data warehouse (we run on BigQuery) and turning messy data into decisionsYou understand the full credit lifecycle: acquisition scoring, underwriting, limits, loss forecasting A genuine 0-to-1 builder: you can stand up a function from nothing, set the strategy, and still write the code yourselfAnalytical enough to own your outcomes: you don't need someone else to tell you whether a model is workingFamiliarity with the Canadian credit ecosystem (Equifax, TransUnion) and the regulatory environment around lending is a strong plusWhy ChexyWe are building the next category-defining payments company that will shape how money moves in Canada for generations.We are a...