Ebury is a global fintech firm dedicated to empowering businesses to expand internationally through tailored and forward-thinking financial solutions. Since our founding in 2009, we’ve grown to a diverse team of over 1,700 professionals across 40+ offices and 29+ markets worldwide. Joining Ebury means becoming part of a collaborative and innovative environment where your contributions are valued. You’ll play a key role in shaping the future of cross-border finance, while advancing your own career in a dynamic, high-growth industry.

Credit Risk Analyst

Ebury Toronto Office - Hybrid: 4 days in the office, 1 day working from home per week

Your Role:

We are building out our Credit Risk function here in Toronto, Ebury’s main Canadian office, and you will be one of the first analysts dedicated to one of our most important geography.

Our lending is powered by business insight. The Credit Risk team undertakes a thorough, rigorous analysis of the SME businesses looking to use our services. This includes an assessment of their markets, financials, products, activities and cash headroom modelling.

You will be expected to prepare a submission to our Credit Committee with analysis and recommendations, as well as contribute to the development of automated risk modelling and adapt our processes to local markets.

The key is to add qualitative insight to credit decisions, including granting lines, monitoring them, and pursuing collections.

Your Specific Responsibilities:

Support, and report to, the Country Head of Credit Risk;
Undertake ad hoc requests from the Head of Credit Risk and SVP of Credit Risk;
Perform detailed credit analysis of prospects and clients for the purpose of granting trade finance and currency trading products, with a focus on financials, operations, and trading cycles;
Present and defend your analysis personally at credit committee meetings to senior management, including C-Suite;
Engage closely with other teams, such as front office and operations, to ensure a smooth client experience and that decisions made within the Credit Risk team are relayed clearly;
Manage an existing portfolio of clients, monitoring their credit standing and risk v reward for Ebury;
Proactively manage your own pipeline of work;
Liaising with managers across our other geographies to add insight or assist where necessary;
Share your thoughts to improve our processes.

Your Background:

We don’t conduct our credit analysis via a tick box exercise and we believe the same should be true of the people we hire. Below is simply an example of the background we are looking for:

A background in SME credit underwriting, experience in financial analysis, or a demonstrable understanding of how to assess an entity's creditworthiness;
A clear, structured, and concise communication style with the ability to explain complex concepts in a coherent way;
A solid understanding of Canadian accounting principles;
An understanding of FX markets and associated vanilla products;
An ability to work in Excel in a professional setting.
Have a high level of proficiency in communication in both English and French.

Why Ebury?

Competitive Starting Salary with an annual discretionary bonus that truly rewards your performance from day one.
Dedicated Mentorship: Learn directly from experienced (managers of departments) who are invested in your success.
Cutting-Edge Technology: Leverage state-of-the-art tailor-made tools and systems that enable you to perform at your best.
Clear, Accelerated Career Progression: Defined pathways to leadership and specialist roles within Ebury.
Dynamic & Supportive Culture: Work in a collaborative environment where teamwork and personal growth are prioritised.
Generous Benefits Package: Access competitive benefits tailored to your location, which include health care and social benefits.
Central Toronto Office: A fantastic location with excellent transport links.

Ready to launch your career with a global FinTech? Click the ‘Apply’ Today and discover your potential at Ebury!

You can also connect with me on LinkedIn - https://www.linkedin.com/in/james-otter/

About Us

Ebury is a FinTech success story, positioned among the fastest-growing international companies in its sector.

Founded in 2009, we are headquartered in London and have more than 1700 staff with a presence in more than 29 markets worldwide. Cultural diversity is part of what makes Ebury a special place to be. From Sao Paulo to Dubai, Vancouver to Auckland, we enjoy sharing team experiences and celebrating success across the Ebury family.

Hard work pays off: in 2019, Ebury received a £350 million investment from Banco Santander and has won internationally recognised awards including Financial Times: 1000 Europe's Fastest-Growing Companies.

None of this would have been possible without our proudest achievement: our great people. Enthusiastic, innovative and collaborative teams, always ready to disrupt and revolutionise the fast-paced FinTech sector.

At Ebury, we’re committed to building a workplace where everyone feels valued, supported, and empowered to thrive. We’re proud to have active employee networks and ESG initiatives that reflect our inclusive culture, including our Women’s Network, LGBTQIA+ Network, and Veterans Network. These communities provide spaces for connection, mentorship, advocacy, and collaboration across our global teams.

We believe in inclusion. We stand against discrimination in all forms and have no tolerance for the intolerance of differences that makes us a modern and successful organisation. At Ebury, you can be whoever you want to be and still feel a sense of belonging no matter your story because we want you and your uniqueness to help write our future.

Please submit your application on the careers website directly, uploading your CV / resume in English.