Skip to content
CV Rocket
Get started
How it worksThe enginePricingBlogContactSign in

Open nowPosted 3 days ago

Credit Risk Analyst

Relay39 open roles

Pay
$72,900 – $89,100 a year
Where
Toronto, ON
Work mode
Hybrid
Get the CV for this job

From $25 per CV, paid once. No subscription.

Your applicationOpen nowCredit Risk AnalystRelay · Toronto, ON

  1. YouYes, apply to this one.

  2. CV RocketCV written for this posting.

  3. 25 readersRecruiter, hiring manager, skeptic. Round after round.

  4. CV RocketApplied on Relay's own form.

The reply lands in your private mailbox

3×more interviews than doing it yourself with ChatGPT.

The clock on this job

Early applications get read.

13.9% of postings close within 7 days. Measured by our own scanner across the market. Relay postings stay open a median of 36 days.

Share of postings closed within
  1. 2.2%1 day
  2. 4.7%3 days
  3. 13.9%7 days
  4. 22.4%14 days
  5. 38.1%30 days
  6. 59.0%60 days
This job: posted 3 days ago

Relay median: 36 days open

The posting

Relay is a digital banking platform that gives self-made business owners the tools and know-how to be great with money—bringing clarity, confidence, and control to every dollar earned, so they can turn hard work into lasting success. We do this by replacing financial guesswork with real visibility, transforming cash flow from a constant source of stress into a clear signal owners can use to run stronger, more resilient businesses.

You will play a pivotal part on the Credit team, reporting to our VP, Credit. We are expanding our charge card offering, and this role helps decides who gets credit, how much, and when to pull it back. Your mission: put the right limits in the hands of Relay's largest customers and keep that portfolio healthy as it scales.

What You'll Be Doing

- Underwrite our largest customers by hand. Spread income statements and balance sheets and set limits after manually reviewing the business and financial risk of those entities..

- Watch the portfolio without watching every account. Build AI-assisted monitoring for financial and qualitative risk signals.

- Build pre-approval lists for sales. Review existing Relay customers who don't yet have a card, and work with the Sales team on a cross-sell motion.

- Partner closely with revenue. Explain credit decisions in plain language, work through requests for larger limits, and join customer conversations when we need their financials.

- Keep credit policy current with our funding partner. Make sure what we approve stays within the policy our partner will fund, and update that policy as the portfolio grows.

- Own charge card escalations. Be the expert Customer Experience escalates to for documentation requests, decline reasons and credit questions they can't resolve.

- Build what isn't there yet. Find the next process, report or tool the function needs, and build it.

Who You Are

- You've done manual commercial credit underwriting at a corporate or commercial card issuer, from large issuers to card-focused fintechs. US experience is not required.

- You're strong at financial statement analysis. You can spread statements and defend a limit from the balance sheet, income statement and liquidity picture.

- You use AI and data tools to work faster, and you can show how they've changed the way you underwrite or monitor a portfolio.

- You work well with sales. You can explain a decline or a smaller limit without losing the relationship.

- You figure out what work needs doing instead of waiting for the next case in the queue.

Bonus points

- SQL, especially in Snowflake

- Experience spreading statements in Heron or a similar tool

- Familiarity with S&P or Moody's financial statement models and business credit bureaus

- Experience as a risk partner embedded with a sales team

The Interview Process

- Stage 1: A 45-minute Google Meet video call with a member of our Talent team

- Stage 2: A 30-minute Google Meet video call with the Hiring Manager

- Stage 3: A 45-minute Live Session with the Hiring Team

- Stage 4: A 45-minute Google Meet video call with a member of our leadership team

Our Compensation Approach

We believe Relayers should feel rewarded for the impact they have on our mission and growth. Compensation follows impact. As impact increases, compensation grows, and we do not limit compensation changes to a once-a-year review cycle.

The annual salary range for this role is $72,900 CAD to $89,100 CAD.

For candidates who demonstrate full readiness for the defined scope of the role, the typical starting salary is $81,000 CAD. Offers below this point reflect candidates we believe can grow into the full scope of the role with support and development. Offers above this point reflect impact that meaningfully exceeds the role’s defined expectations or an expanded scope from day one.

We encourage you to have a conversation with your recruiter and ask questions about compensation throughout the hiring process. For more information on our compensation philosophy and perks and benefits, visit our Candidate Hub https://www.notion.so/Candidate-Hub-1c7da8b7f88580a893f7d7c7852b064e?pvs=21.

Why Relay Might Be the Perfect Fit For You

- You push relentlessly for reinvention: You're always asking "how can this be better?" -- in your work, in your craft, in yourself. Comfort is a signal to push harder, not coast. You'd rather build something better than defend something familiar.

- You crave autonomy: We trust our team with big challenges and the freedom to solve them. If you’re someone who takes initiative, is comfortable taking risks, and seeks input when needed, you’ll find the freedom here empowering.

- You own your work: You take pride in your work, follow through on commitments, and feel a deep sense of responsibility for outcomes, not just tasks.

- You build with AI, not just use it: You're actively embedding AI into how you work, pushing what's possible, and bringing your team along with you.

- You care about impact, not noise: You care deeply about the substance of your work. You measure success by results, not recognition, and you let your work speak for itself.

- You’re energized by complexity and ambiguity: You enjoy tackling problems that don’t come with a playbook. You’re comfortable building from scratch, iterating as you go, and collaborating to shape the best path forward.

- You seek out feedback: You see directness as respect, not criticism. You actively seek input, sit with hard truths, and use feedback as fuel for improvement.

- Small businesses are why we're here: Relay exists to help them thrive -- and that mission has to resonate with you.

Join Us

We're looking for people who are relentless, curious, and care deeply about the work. You're encouraged to apply even if your experience doesn't perfectly match the job description -- your perspective and drive matter more. We welcome diverse backgrounds and people who think critically, challenge the status quo, and want to help small businesses thrive.

If you require accommodations at any stage of the hiring process, please reach out to your Talent Partner.

Disclaimer: For compliance reasons, all offers of employment at Relay are conditional upon a successful background check and employment verification through Certn.

Important Notice: Relay’s recruitment team only contacts candidates and corresponds from official corporate email addresses ending in @relayfi.com. We will never ask for sensitive personal data (such as bank account details, credit card numbers, or social security/insurance numbers) during the initial application or interview stages.

From $25, paid onceGet the CV for this job

What happens when you press

One press. We do the rest.

  1. A CV for this posting

    Written against Relay's own wording, from every piece of relevant proof in your profile.

  2. 25 readers review it

    Recruiter, hiring manager, skeptic and more read every draft, round after round. You get the best round.

    The review screen in CV Rocket: how each CV was read, round by round.

  3. We apply on Relay's form

    Our application engine gets through the hardest forms there are. Where a question needs you, AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

    An application in CV Rocket: every answer filled in on the employer's form.

  4. Every reply, sorted

    Relay's answer lands in your private mailbox, and we classify it on arrival: interview, question, rejection.

    The CV Rocket inbox: each employer reply classified as an interview, an action or a rejection.

  5. Reply with AI

    AI helps you write the email, checks it and sends it. We show you whether the recruiter read it.

  6. The interview in your calendar

    Full integration with your calendar. The invitation goes straight in.

    An interview invitation in the CV Rocket inbox, added to the candidate's calendar.
Get the CV for this job

From $25 per CV, paid once. No subscription.

Why it works

3×

more interviews than doing it yourself with ChatGPT.

ChatGPT writes a CV and never learns what happened to it. We see every reply. For each CV we know:

  • How it was written, and how the review scored it
  • When we applied, and how long after the posting went up
  • Which posting, which company, which city
  • Who got the interview, and who heard nothing

That is how we know which CVs get called.

Get the CV for this job

From $25 per CV, paid once. No subscription.

The numbers game

More applications. More interviews.

Every application goes out with its own CV, written for that posting and paid once. Send enough of them and the law of large numbers finds you the job.

Get the CV for this job
By hand5–10
With CV Rocket100
applications a day

Nearby

Live postings like this one

Same employer first, then the same role elsewhere.

Before you press

Straight answers

Get the CV for this job

From $25 per CV, paid once. No subscription.

What if my background isn't good enough?

We make the most of the background you have. The CV uses every piece of relevant proof your profile holds, and one of the 25 readers reads your whole profile and flags what the CV left out.

Do you really apply for me?

Yes, on the employer's own form, the hardest ones included. Where a question needs you, you answer it right there and AI suggests the best answer. Don't want us applying from our IP addresses? Use our Chrome extension: we apply straight from your own browser.

Is it a subscription?

No. You pay once per CV, from $25. Every application goes out with its own CV, written for that posting.

One job. One CV.
Paid once.

Pick the posting you want. We write for it, apply for you and catch the reply.

Get the CV for this job

From $25 per CV, paid once. No subscription.