Manager, Credit Card Funding and Reporting

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 https://www.wealthsimple.com/en-ca/culture and learn more about how we work https://www.wealthsimple.com/en-ca/careers. 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 ... (truncated, view full listing at source)