Wealthsimple is on a mission to help everyone achieve financial freedom, no matter who they are or how much they have. Using smart technology, Wealthsimple takes financial services that are often confusing, opaque and expensive and makes them simple, transparent, and low-cost. We're the company behind some of Canada's leading digital financial products, and are growing faster than ever.

Our team is reimagining what it means to manage your money. Smart, high-performing team members will challenge you to learn and grow every day. We value great work and great ideas — not ego. We're looking for talented people who love a fast-paced environment, and want to ship often and make an impact with groundbreaking ideas.

We’re a remote-first team and output is more important than face time, so where you choose to work is up to you — as long as you have internet access, you can work from anywhere in Canada. Be a part of our Canadian success story and help shape the financial future of millions — join us! Read our Culture Manual and learn more about how we work.

At Wealthsimple, we are building products for a diverse world and we need a diverse team to do that successfully. We strongly encourage applications from everyone regardless of race, religion, colour, national origin, gender, sexual orientation, age, marital status, or disability status. Wealthsimple provides an accessible candidate experience. If you need any accommodations or adjustments throughout the interview process and beyond, please let us know.

Strong credit risk management will be a critical component of enabling innovative and responsible credit offerings across Wealthsimple’s products. As a newly formed team, the Credit Data Science team will own the full lifecycle of our approach to credit from machine learning risk models, credit policy and extensible frameworks for lending decisions all while building a feedback loop to continuously improve our understanding of risk. We achieve these goals by:

• Building a high quality and scalable state-of-the-art data warehouse that powers all decision making

• Leveraging machine learning and algorithms to help Wealthsimple build smarter financial products

• Using decision science to understand the cause and effect of our business decisions

In this role, you will have the opportunity to:

• Lead a team data scientists as we build a best-in-class credit risk modelling team
• Help architect the next stage of Wealthsimple’s systems, supporting millions of clients.
• Deploy new machine learning models, business rules and analytical solutions to optimize credit policies
• Collaborate with other business units to ensure products are built cohesively with credit risk management at the forefront across the platform
• Get the best out of the team by leveraging their diverse educational backgrounds.
• Set organizational standards and influence our data science and engineering culture.
• Work where you are (while our Canadian offices are located in Toronto, we are a remote-first workforce and you can join from anywhere in Canada!)

Skills we're looking for:

• Experience leading Data Science teams and a proven dedication to helping your team and others grow.
• Excellent Python & SQL skills, first hand experience working with popular Python libraries such as Pandas, scikit-learn, numpy and Jupyter
• Strong understanding of statistics: both frequentist and Bayesian approaches.
• Strong understanding of fundamental machine-learning algorithms: regression and decision trees.

We're looking for someone who:

• Is able to articulate their stance in a manner that effectively communicates why a solution could be the best way forward
• Adjusts quickly to changing priorities and effectively manages complexity and change
• Can coach people in their current roles to improve performance and prepare them for future roles
• Has exceptional communication skills and is able to communicate effectively to both technical and non-technical teams
• Plans, organizes, schedules, and budgets in an efficient, productive manner
• Is eager to teach and learn from your team. We value making each other successful!
• Is a lifelong learner. You’re constantly seeking and welcoming feedback to continue improving yourself and your craft