Executive building and scaling CanWise Financial’s mortgage underwriting and servicing operations. Leading compliance, technology, teams, funder relationships and operational P&L for Ratehub’s Canadian fintech.
Responsibilities
Build, launch and operate the lending operations function for CanWise Financial, Ratehub’s CMHC-approved mortgage lender
Establish and oversee the end-to-end operating model for underwriting and servicing
Develop policies, processes, workflows, controls and service standards for underwriting and servicing operations
Evaluate, select and implement technology platforms for underwriting, servicing, workflow management, reporting and operational controls
Define the organizational structure, recruit and lead underwriting, servicing and operational teams
Establish provincial licensing, mortgage administrator registration and other regulatory infrastructure across Canada
Ensure compliance with FINTRAC/AML, KYC and other applicable regulatory requirements
Lead funder and lending partner onboarding, relationships, service levels, reporting and issue resolution
Build processes for arrears, collections, workout and default management
Establish KPIs, SLAs and reporting frameworks; monitor performance and drive continuous improvement
Own the operational P&L, including operating costs, staffing, third-party expenses and productivity
Partner with Product, Technology, Finance, Risk, Compliance, Legal, Sales and Marketing teams
Scale lending infrastructure while maintaining service levels, risk management, regulatory compliance and unit economics
Provide executive reporting and recommendations on performance, financial results, risks, opportunities and strategic priorities
Requirements
15+ years of progressive experience in lending, mortgage operations, banking or financial services, with significant leadership responsibility across underwriting, servicing and/or lending operations
Experience building and scaling lending operations, ideally within a mortgage lender, financial institution, fintech or high-growth financial services environment
End-to-end ownership of an operating function from strategy and operating model design through implementation, launch and ongoing optimization
Deep understanding of mortgage underwriting and servicing, including credit policies, adjudication, funding, administration, servicing, arrears and default management
Experience with lending technology platforms, vendor evaluation, technology selection and complex platform implementations
Experience building and leading teams, including organizational design, executive hiring, workforce planning and high-performing operational organizations
Strong knowledge of the Canadian mortgage regulatory environment, including provincial licensing and mortgage administrator requirements
Experience managing FINTRAC/AML and KYC requirements within a lending or financial services environment
Experience establishing and managing funder, lender and/or institutional partner relationships, including onboarding, operational requirements and service-level agreements
Understanding of lending economics and P&L management, including costs, productivity, service levels and operational performance
Strong analytical and problem-solving capabilities using operational and financial data
Ability to operate effectively in an entrepreneurial, high-growth environment while balancing execution, risk management, governance and regulatory discipline
Excellent executive communication and stakeholder management skills across business, technology, product, finance, risk, compliance and legal functions
Strategic and hands-on leadership style
Undergraduate degree in business, finance, economics or a related discipline
Relevant professional designations or graduate-level education would be considered an asset
Experience in a fintech, PE-backed or entrepreneurial environment is considered an asset
Legally entitled to work in Canada
Benefits
Competitive compensation with a salary reflecting experience and the Canadian market
Remote-first environment with flexibility to work from anywhere in Canada
Occasional in-person team gatherings
Flexible hours and autonomy to manage your schedule
Individual training allowance for professional development
Regular remote and in-person team socials
Accommodations available upon request for candidates taking part in all aspects of the selection process
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