Director of Credit/Risk
Net new
Overview
We are seeking a Director of Credit & Risk to lead our credit risk strategy, underwriting governance, and portfolio risk management across our commercial factoring and lending operations.
In this role, you will oversee credit decisioning, manage portfolio risk, and develop credit policies that support sustainable business growth while maintaining strong risk controls.
You will also lead and mentor a team of credit professionals and partner closely with Sales, Operations, and Finance teams to ensure balanced, data-driven credit decisions.
About REV Capital:
Cashflow restrictions are a universal challenge for B2B business owners. At REV Capital, the leading North American provider of full-service factoring, we help our clients bridge that gap and grow sustainably.
How does invoice factoring work?
A business sells its unpaid invoices to a third-party company (known as a ‘factor’) at a discounted rate, receiving up to 98% of their invoice value immediately. The factor then handles collections and underwriting, so the business owner no longer needs to worry about net terms or chasing payments from their customers.
The result? Business owners can reinvest time and cashflow into their operations, helping them grow, stay competitive, and become industry leaders.
Want to learn more about the value of factoring? Here’s a practical breakdown by Loren, our CEO.
Our team at REV is passionate about helping others. We embrace diversity and inclusivity, offering a flexible environment where professional and personal growth happens – just like with the hundreds of clients we support daily.
Ready to make an impact? Let’s explore the difference you can make on our team!
Key Responsibilities
Credit Risk Leadership
- Define and lead the overall credit risk strategy and underwriting framework
- Develop and enhance credit policies, risk appetite guidelines, and decisioning standards
- Ensure alignment between risk management and business growth objectives
Credit Underwriting & Portfolio Management
- Oversee credit evaluation for commercial B2B clients and factoring transactions
- Review and approve high-value or complex credit applications
- Monitor portfolio performance, exposure, and delinquency trends
- Identify early warning signals and recommend risk mitigation actions
Financial & Risk Analysis
- Analyze financial statements, cash flows, credit reports, and customer risk profiles
- Evaluate collateral, debtor quality, and concentration risk
- Support loss forecasting and portfolio risk assessment
Leadership & Stakeholder Management
- Lead, mentor, and develop a team of credit and underwriting professionals
- Partner with Sales, Operations, and Finance to support credit decisions
- Present credit risk insights and portfolio performance updates to senior leadership
Governance & Controls
- Ensure compliance with internal credit policies and risk frameworks
- Support audit, regulatory, and governance requirements
- Continuously improve credit processes and operational efficiency
Qualifications
- 12+ years of experience in Credit Risk, Commercial Lending, or Financial Services
- Strong experience in commercial credit underwriting and portfolio risk management
- Experience in factoring, asset-based lending, or B2B lending preferred
- Strong financial analysis skills (cash flow, financial statements, credit evaluation)
- Leadership experience managing credit or risk teams
- Excellent communication and stakeholder management skill.
Compensation & Benefits
- Salary Range: CAD $120,000 – $140,000 annually, based on experience and qualifications
- Flexible work schedule
- Growth and development opportunities
- Team outings and social events
- Comprehensive extended health, dental, and vision benefits plan
At REV Capital, we do not use AI for our hiring selection or recruitment process.
Feel free to use AI tools to prepare, research, or practice for your interview (we see you, Chat GPT fans !). But when it comes to the conversation, we want to meet the real you—no AI substitutes needed. Bring your authentic, unfiltered self, and we promise we’ll do the same.
And don’t worry—real people are behind every step of our hiring process. Every application is personally reviewed, and you’ll always interact with humans throughout interviews. No bots, just genuine connections over here!
Let your journey at REV Capital begin!
