About Clutch

We’re on a mission to reinvent how people buy, sell, and own cars. Are you game?

Clutch is Canada’s largest buyer and seller of cars, offering a digital-first, hassle-free experience. Customers can browse thousands of cars online, have their chosen vehicle delivered right to their door, and enjoy peace of mind with our 10-Day Money-Back Guarantee.

Looking to sell? We buy over $3 million worth of cars every day, providing a firm, AI-generated offer every 15 seconds—and when you sell to us, you get paid instantly, now that’s Clutch.

Recognized four years running on The Globe & Mail’s list of Canada’s Top Growing Companies—and with back-to-back spots on Deloitte’s Technology Fast 50™ and Fast 500™—we’re seeking curious, hard-working, and driven individuals to join our growing team.

Founded in 2017 and headquartered in Toronto, Clutch currently operates in Ontario, New Brunswick, Nova Scotia, and Prince Edward Island. Our world-class investors include Altos Ventures, Canaan, FJ Labs, BrandProject, and Upper90. To learn more, visit clutch.ca.

Consumer Financing at Clutch:

Clutch is on a journey to create a truly seamless car buying and ownership experience—and financing is a critical part of delivering that end-to-end journey. We’re building consumer financing capability from the ground up to offer customers a simpler, more transparent way to finance their vehicle, while supporting Clutch’s growth with a scalable, disciplined lending platform. In this role, you’ll help shape our lending strategy, risk framework, and operations as we bring this business to life.

About the role:

We are seeking an experienced and entrepreneurial Head of Consumer Financing to lead and scale Clutch’s consumer financing business. This role will be responsible for building our lending operations, developing credit strategies, and driving portfolio performance. You will play a critical role in shaping the future of auto financing in Canada by developing lending strategies that optimize loan performance, strengthen customer relationships, and drive sustainable growth.

This is a unique opportunity for a builder—someone who thrives in fast-paced environments and wants to create something new from the ground up.

What You’ll Do:

Lending Strategy & Originations: Lead the development and execution of lending strategies that drive origination volume, funding efficiency, and credit quality. Define and optimize underwriting criteria, pricing strategies, and approval processes to balance growth with risk management.

Credit Risk & Portfolio Management: Develop and implement credit policies that align with our risk appetite while maximizing portfolio performance. Monitor portfolio analytics to identify trends, manage delinquency and loss rates, and make data-driven recommendations to improve outcomes.

Operations & Process Development: Build and scale lending operations, including loan origination, underwriting, servicing, and collections processes. Identify opportunities to automate and improve efficiency across the lending lifecycle.

Funding & Capital Partnerships (Warehouse / Forward Flow): Build and manage relationships with banks, credit funds, and capital partners. Lead diligence and lender reporting, negotiate facility terms (advance rates, eligibility, pricing, covenants/reserves), and ensure ongoing compliance.

Compliance & Regulatory: Ensure all lending activities comply with applicable federal and provincial regulations. Stay current on regulatory changes and implement necessary updates to policies and procedures.

Cross-Functional Collaboration: Partner with Product, Engineering, Sales, and Customer Experience teams to integrate financing seamlessly into the Clutch customer journey. Work closely with senior leadership to align lending strategy with broader business objectives.

Team Leadership: Build, mentor, and develop a high-performing lending team. Foster a culture of accountability, collaboration, and continuous improvement.

What We’re Looking For:

• Bachelor’s degree in Business, Finance, Economics, or a related field; MBA or advanced degree is a plus.
• 10+ years of experience in a leadership role, with 5+ years in auto finance, consumer lending, or captive finance.
• Strong understanding of credit risk management, underwriting, and portfolio analytics. Experience developing credit policies and managing loan portfolios through various economic cycles.
• Proven track record of building or scaling lending operations, ideally in a startup or high-growth environment.
• Experience securing and managing debt funding for consumer/auto loan portfolios (e.g., warehouse lines, forward flow, securitization), including lender negotiations, covenant management, and performance reporting is an asset.
• Deep knowledge of Canadian lending regulations and compliance requirements.
• Strong analytical skills with experience using data to drive decision-making. Proficiency in financial modeling and lending analytics.
• Excellent communication and stakeholder management skills, with the ability to influence across all levels of the organization.
• Entrepreneurial mindset with a bias for action—comfortable operating in ambiguity and building from scratch.
• Experience with non-prime or near-prime auto lending is a significant asset.
• Nice to have: Experience securing and managing debt funding for consumer/auto loan portfolios (e.g., warehouse lines, forward flow, securitization), including lender negotiations, covenant compliance, and performance reporting.

This role is based in Toronto and requires on-site presence—remote candidates will not be considered.

Why You’ll Love It at Clutch:

Be part of a disruptive, tech-driven company that is transforming the automotive industry—one of the largest and fastest growing B2C startups in Canada.

A unique opportunity to build a captive lending business from the ground up, with direct impact on strategy and operations.

Freedom to innovate and ownership of your role—work on meaningful and challenging projects that have a direct impact on the business.

Collaborate with a talented and passionate team in a dynamic, fast-paced environment.

Competitive pay and equity incentives.

Comprehensive health and dental benefits.

Opportunities for growth and development in a rapidly scaling company.

Why You’ll Love This Role:

Shape the future of auto financing in Canada by building something new from scratch.

Work on complex strategic challenges with direct exposure to the executive team.

High visibility role with significant autonomy and accountability.

How to Join Us:

Clutch is an inclusive workspace. We value diversity and are dedicated to ensuring all individuals find success. If you’re eager to shape the future of car buying, selling, and financing with Clutch, send your resume to talent@clutch.ca.

About Clutch

We’re on a mission to reinvent how people buy, sell, and own cars. Are you game?

Clutch is Canada’s largest buyer and seller of cars, offering a digital-first, hassle-free experience. Customers can browse thousands of cars online, have their chosen vehicle delivered right to their door, and enjoy peace of mind with our 10-Day Money-Back Guarantee.

Looking to sell? We buy over $3 million worth of cars every day, providing a firm, AI-generated offer every 15 seconds—and when you sell to us, you get paid instantly, now that’s Clutch.

Recognized four years running on The Globe & Mail’s list of Canada’s Top Growing Companies—and with back-to-back spots on Deloitte’s Technology Fast 50™ and Fast 500™—we’re seeking curious, hard-working, and driven individuals to join our growing team.

Founded in 2017 and headquartered in Toronto, Clutch currently operates in Ontario, New Brunswick, Nova Scotia, and Prince Edward Island. Our world-class investors include Altos Ventures, Canaan, FJ Labs, BrandProject, and Upper90. To learn more, visit clutch.ca.

Consumer Financing at Clutch:

Clutch is on a journey to create a truly seamless car buying and ownership experience—and financing is a critical part of delivering that end-to-end journey. We’re building consumer financing capability from the ground up to offer customers a simpler, more transparent way to finance their vehicle, while supporting Clutch’s growth with a scalable, disciplined lending platform. In this role, you’ll help shape our lending strategy, risk framework, and operations as we bring this business to life.

About the role:

We’re hiring a Senior Manager, Credit & Risk to build and lead the credit strategy and risk framework for Clutch’s consumer financing program. You’ll own how we assess risk, make credit decisions, price appropriately, and manage portfolio performance over time. This is a builder role for someone who’s comfortable operating with ambiguity, rolling up their sleeves, and designing scalable credit systems that get better as volume grows.

You’ll partner closely with the Director of Consumer Financing and work cross-functionally with Product, Engineering, Operations, Sales, and Customer Experience to embed risk decisioning into the customer journey—while building the monitoring, controls, and feedback loops needed to manage performance responsibly.

What You’ll Do:

Credit strategy & underwriting

• Design and evolve underwriting policies that balance growth, approval rates, and portfolio performance across prime/near-prime (and beyond, as applicable).
• Own credit decisioning logic, exception frameworks, and manual review processes; continuously tighten them as we learn.
• Partner with Product/Engineering to implement auto adjudication credit policies into customer flows with continuous feedback loop

Pricing & risk-adjusted economics

• Develop and refine risk-based pricing strategies that reflect loss expectations, funding constraints, and unit economics.
• Monitor approval mix and margin performance; recommend changes to pricing, terms, and eligibility to hit portfolio targets.

Portfolio monitoring & performance management

• Build the portfolio analytics framework: early warning indicators, delinquency tracking, vintage/cohort analysis, roll rates, losses, and recoveries.
• Diagnose drivers of performance (channel, vehicle attributes, customer attributes, process factors) and recommend changes to improve outcomes.
• Lead initiatives to manage delinquencies and losses in partnership with servicing/collections and operations.

Data, models, and experimentation

• Build scorecarding approaches, segmentation, and predictive models as the program matures.
• Run experiments to improve conversion and credit outcomes (policy tests, alternative data, verification changes), with clear measurement and guardrails.

Risk governance, controls, and compliance support

• Help define the risk appetite, policy governance, and control environment for a regulated lending program.
• Support audit-ready documentation and ensure policies and practices align with applicable Canadian regulations and internal controls.
• Be the “risk voice” in product and operational decision-making—bringing clarity, tradeoffs, and recommendations.

What We’re Looking For:

• 6–10+ years of experience in credit risk, underwriting, portfolio management, or analytics within consumer lending.
• Strong understanding of credit policy development, risk-based decisioning, and portfolio performance management through delinquency/loss cycles.
• Demonstrated ability to translate analytics into real-world policy and operational changes.
• Strong quantitative and analytical skills; comfortable working with large datasets and building/using performance monitoring (including leveraging AI).
• High-ownership operator who thrives in ambiguity—with a bias for action and the ability to build structure, processes, and decision frameworks where none exist.
• Nice to have
• Experience with non-prime or near-prime auto lending.
• Experience with fraud/identity risk, income verification, or alternative data strategies.
• Familiarity with funding constraints (warehouse eligibility, covenants, concentration limits) and how they shape credit policy.
• Experience in Canadian regulatory environments relevant to lending and credit reporting.

This role is based in Toronto and requires on-site presence—remote candidates will not be considered.

Why You’ll Love It at Clutch:

Be part of a disruptive, tech-driven company that is transforming the automotive industry—one of the largest and fastest growing B2C startups in Canada.

A unique opportunity to build a captive lending business from the ground up, with direct impact on strategy and operations.

Freedom to innovate and ownership of your role—work on meaningful and challenging projects that have a direct impact on the business.

Collaborate with a talented and passionate team in a dynamic, fast-paced environment.

Competitive pay and equity incentives.

Comprehensive health and dental benefits.

Opportunities for growth and development in a rapidly scaling company.

Why You’ll Love This Role:

You’ll love this role if you like being a builder—taking a 0→1 financing program and helping turn it into a scalable, repeatable operating machine. You’ll help establish the operating foundation from the ground up, with high ownership to run key workflows end-to-end and drive improvements that directly impact customer experience and unit economics. You’ll also tackle complex, cross-functional problems at the intersection of Product, Risk, Operations, and Customer Experience—while growing quickly through outsized scope, steep learning, and the chance to take on more responsibility as the business scales.

Compensation & Benefits

• Salary range: $130,000 - $170,000 annually
  
  
• Equity incentives
  
  
• Comprehensive healthcare, dental, vision, life insurance, and dependent coverage starting from day 1

How to Join Us:

Clutch is committed to fostering an inclusive workplace where all individuals have an opportunity to succeed. If you require accommodation at any stage of the interview process, please email talent@clutch.ca.

About Clutch

We’re on a mission to reinvent how people buy, sell, and own cars. Are you game?

Clutch is Canada’s largest buyer and seller of cars, offering a digital-first, hassle-free experience. Customers can browse thousands of cars online, have their chosen vehicle delivered right to their door, and enjoy peace of mind with our 10-Day Money-Back Guarantee.

Looking to sell? We buy over $3 million worth of cars every day, providing a firm, AI-generated offer every 15 seconds—and when you sell to us, you get paid instantly, now that’s Clutch.

Recognized four years running on The Globe & Mail’s list of Canada’s Top Growing Companies—and with back-to-back spots on Deloitte’s Technology Fast 50™ and Fast 500™—we’re seeking curious, hard-working, and driven individuals to join our growing team.

Founded in 2017 and headquartered in Toronto, Clutch currently operates in Ontario, New Brunswick, Nova Scotia, and Prince Edward Island. Our world-class investors include Altos Ventures, Canaan, FJ Labs, BrandProject, and Upper90. To learn more, visit clutch.ca.

Consumer Financing at Clutch:

Clutch is on a journey to create a truly seamless car buying and ownership experience—and financing is a critical part of delivering that end-to-end journey. We’re building consumer financing capability from the ground up to offer customers a simpler, more transparent way to finance their vehicle, while supporting Clutch’s growth with a scalable, disciplined lending platform. In this role, you’ll help shape our lending strategy, risk framework, and operations as we bring this business to life.

About the role:

We’re hiring an Operations Manager, Consumer Financing to help build and scale the operating engine behind Clutch’s lending program. This is a high-ownership, hands-on generalist role for someone who can run key processes, solve messy problems, and improve the system as we grow.

You’ll work closely with the Director of Consumer Financing and partner cross-functionally with Sales, Product, Data and Finance to help to build and scale Clutch’s consumer financing business. You’ll own day-to-day execution across core workflows, drive continuous improvement, and help build the playbooks and tooling needed to scale.

This is an opportunity for someone who thrives in fast-paced environments, enjoys ambiguity, and wants to build something meaningful from the ground up.

What You’ll Do:

Own day-to-day financing operations

• Build and run and continuously improve workflows across the financing lifecycle (origination, documentation, underwriting support, funding, servicing coordination, and collections support).
• Own operational cadence, dDeal tracking, escalations, exception handling, and internal SLAs to keep deals moving.
• Ensure operational quality through checklists, controls, and strong documentation standards.

Build scalable processes and tooling

• Identify bottlenecks and failure points; design and implement process improvements to increase speed and reduce error rates.
• Develop SOPs, playbooks, templates, and QA processes that create consistency and enable scaling.
• Translate operational needs into clear requirements for Product/Engineering; support testing, rollouts, and adoption.

Use data to drive performance

• Monitor core operating metrics (turnaround times, approval/funding rates, exception rates, doc quality, customer friction points).
• Build lightweight dashboards and reporting to identify trends and drive prioritization.
• Run root-cause analysis on issues and implement fixes that stick.

Coordinate cross-functionally and with partners

• Partner with Sales and Finance to resolve customer issues quickly and create smoother handoffs.
• Support operational relationship management with external vendors/partners (e.g., verification tools, service providers, lending partners), including reporting and documentation requests.
• Help keep internal stakeholders aligned through clear updates, escalations, and process clarity.

Support compliance and controls

• Help ensure lending operations are executed in line with internal policies and applicable regulatory requirements.
• Maintain audit-ready documentation and operational controls as the program evolves.

What We’re Looking For:

• Bachelor’s degree in Business, Finance, Economics, or a related field
• 3–5 years of experience in operations, business operations, fintech/lending ops, payments ops, or other process-heavy execution roles, exposure to credit/lending is a significant asset.
• Proven ability to thrive in a high-ownership environment—you take initiative, move fast, and drive outcomes with limited oversight.
• Strong operational judgment: you can balance speed, customer experience, and risk/quality.
• Analytical skills: comfortable using data (often imperfect) to prioritize work and measure impact.
• Excellent organization and attention to detail—especially in documentation-heavy workflows.
• Strong communication and stakeholder management skills across business and technical teams.
• Comfort operating in ambiguity and building structure where none exists.
• Nice to have:
• Exposure to consumer lending/credit, underwriting, loan origination/servicing, or regulated financial workflows.
• Experience working with Product/Engineering to automate operational processes.
• Familiarity with KYC/identity verification, credit bureaus, or collections/servicing operations

This role is based in Toronto and requires on-site presence—remote candidates will not be considered.

Why You’ll Love It at Clutch:

Be part of a disruptive, tech-driven company that is transforming the automotive industry—one of the largest and fastest growing B2C startups in Canada.

A unique opportunity to build a captive lending business from the ground up, with direct impact on strategy and operations.

Freedom to innovate and ownership of your role—work on meaningful and challenging projects that have a direct impact on the business.

Collaborate with a talented and passionate team in a dynamic, fast-paced environment.

Competitive pay and equity incentives.

Comprehensive health and dental benefits.

Opportunities for growth and development in a rapidly scaling company.

Why You’ll Love This Role:

You’ll love this role if you like being a builder—taking a 0→1 financing program and helping turn it into a scalable, repeatable operating machine. You’ll help establish the operating foundation from the ground up, with high ownership to run key workflows end-to-end and drive improvements that directly impact customer experience and unit economics. You’ll also tackle complex, cross-functional problems at the intersection of Product, Risk, Operations, and Customer Experience—while growing quickly through outsized scope, steep learning, and the chance to take on more responsibility as the business scales.

Compensation & Benefits

• Salary range: $110,000-$130,000 annually
  
  
• Equity incentives
  
  
• Comprehensive healthcare, dental, vision, life insurance, and dependent coverage starting from day 1

How to Join Us:

Clutch is committed to fostering an inclusive workplace where all individuals have an opportunity to succeed. If you require accommodation at any stage of the interview process, please email talent@clutch.ca.