Lead Data Scientist - Credit & Risk

About this role

King Street East, Toronto, Ontario, Canada, M5A 1L3

full-time . May 29, 2026

Description

At Chexy, we're reshaping the way money moves - making payments smarter, faster, and more rewarding. We started by being the first in Canada to let people pay their biggest and most painful bills with credit cards and earn rewards on money they had to spend anyway. Now, we're on a much bigger mission: to build a super app that acts as your co-pilot for all your money - helping you get more value from every dollar you spend.

Backed by Khosla Ventures and processing $2B+ in annual payment volume, we're a high-growth fintech at the forefront of payments innovation. We are looking for hungry, ambitious people to help us scale.

### About the role

This is the most important technical hire we'll make this year, and one of the rare data science roles where you get to build an entire discipline from zero.

We're launching a line of flex payment products for your largest bills. These products are the foundation of something much larger: they're how Chexy builds the underwriting and credit muscle that will eventually power our full financial ecosystem. There is no playbook here yet. You'll write it.

You'll own credit and underwriting end to end: the models, the policy, the risk appetite, the decisioning logic, and the data infrastructure that feeds all of it. And you'll do it sitting on top of a dataset almost no one else in Canada has: how hundreds of thousands of Canadians actually pay their largest recurring bills, month after month. That's underwriting signal our competitors can't buy.

You won't be handed a risk framework and asked to maintain it. You'll build the credit brain of the company, which means hands on the data, hands on the models and then head up the function as it grows. If you want a role where the decisions you make show up directly in approval rates, loss curves, and a product roadmap that runs all the way to a credit card, thi...