Manager, Credit Card Funding and Reporting

Build something people love Wealthsimple's mission is to help everyone achieve financial freedom – by making financial services simple, transparent, and low-cost. We're Canada's largest fintech, trusted by over 3 million clients with more than $100 billion in assets. We move fast, we own our work, and we care deeply about the people using our products. If that sounds like you, keep reading. We're proud of what we've built — and we're just getting started. Read our Culture Manual and learn more about how we work . Wealthsimple operates a flexible work model. As a core part of our collaborative culture, you may be required to attend your primary office, our Toronto head office, or other locations for important business needs, including Retreats, Takeovers, Go Days, Build Days, team meetings, and other company events. Travel required for these purposes will be covered in accordance with our travel and expense policy. About the Role As the Manager, Credit Card Funding and Reporting, you will report directly to the Senior Manager, Money Movement Transformation and Treasury Reporting on the Treasury team. We are seeking a highly skilled and ownership-driven individual to join our growing Cash & Collateral Management team at Wealthsimple. As our credit portfolio scales and new products launch, we need an experienced individual who can build controls, forecasting models, and uplevel frameworks, manage a growing team, and ensure flawless execution with zero compliance misses. Thriving in a fast-paced, high-autonomy environment, you'll have a unique opportunity to shape how Wealthsimple's functions at scale—partnering closely with various partners across the company. In this role, you will: Own structured credit facility operations end-to-end—execute daily funding decisions, manage compliance, enable or optimize funding levers and develop business requirements as the portfolio grows Build and maintain forecasting models and sensitivity analyses across payment cycles, utilization rates, and funding projections—translating outputs into real-time funding decisions and product economics insights that inform the business Lead credit reporting and analytics and own variance analysis, limit and exposure monitoring, and reporting infrastructure; partner with Product and Engineering to resolve discrepancies and drive automation Develop and maintain operational checklists, runbooks, and go/no-go frameworks to enable feature or product launches and ensure flawless execution with zero compliance misses Build audit-ready controls and governance for WSP features from scratch—design control environments and compliance frameworks, maintain audit readiness, and partner with Controllership and Risk on regulatory requirements Manage and build team cross-training and documentation to eliminate single points of failure and develop team capability in credit operations and Treasury Skills you'll bring: 7+ years in Treasury, Credit Operations, or Payments with at least 2-3 years in a leadership or senior individual contributor role owning structured credit facility operations, and payment products. —ideally having helped build a credit product (specifically Securitization and ABS) Strong forecasting, sensitivity analysis, and cash management expertise—you understand how funding costs, utilization rates, and payment cycles affect product economics and can model scenarios that drive operational decisions Experience with limit and exposure management—setting and monitoring credit thresholds and utilization bands as a portfolio scales 2+ years managing direct reports with a track record of building operational infrastructure, launch readiness frameworks, and scalable controls—not just maintaining existing processes Proficient in Excel/Google Sheets with SQL knowledge or experience partnering with data teams to build reporting infrastructure; familiarity with Treasury management systems (Kyriba) or payment platforms is a huge asset. Why Wealthsimple? Top-tier health benefits and life insurance Long-term group savings with employer match, through Wealthsimple for Business 20 vacation days, 4 wellness days, and unlimited sick and mental health days per year ✈️ 90 days away: work outside Canada for up to 90 days per year Employee resource groups, including Rainbow (2SLGBTQ), Women of WS, and Black at WS We are a hybrid team with over 1,500 employees across North America. The people are one of the best parts of working here: you'll collaborate with incredibly talented, curious, and driven teammates who are deeply committed to doing great work. ICYMI Technology & Innovation at Wealthsimple: We move quickly and build thoughtfully. That means we're always looking for better ways to work — whether that's new tools, AI, or rethinking how we approach a problem. We don't expect you to have all the answers, but we do expect curiosity and a willingness to evolve alongside the products we're building. Inclusion Statement: We're building products for a diverse world, and we need a diverse team to do it well. We strongly encourage applications from everyone, regardless of race, religion, colour, national origin, gender, sexual orientation, age, marital status, or disability status. Accessibility Statement: We're committed to an accessible hiring experience. If you need any accommodations throughout the interview process, please let us know — we'll work with you to make sure you have what you need. We also welcome any feedback on how we can better accommodate candidates with accessibility needs. AI in Hiring: We may use artificial intelligence (AI) tools to support parts of our hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our team but don't replace human judgment – all final hiring decisions are made by people. If you have questions about how your data is used, reach out to us.