About Us: Propel (TSX: PRL) is the fintech company building a new world of financial opportunity by facilitating access to credit for consumers underserved by traditional financial institutions. Through its AI-driven platform, Propel evaluates customers in a more comprehensive way than traditional credit scores can. Our revolutionary fintech platform has already helped consumers access over one million loans and lines of credit and over one billion dollars in credit. To build a new world of opportunity we bring together the brightest talent to help us build opportunities. We are entrepreneurs and believe in measuring success through results and growing within; talent and hard work never goes unnoticed. At Propel, we are here to change the way employees, customers and shareholders succeed together. We are a team of passionate entrepreneurs, who foster curiosity and growth in our employees. Our culture is why we have been so successful and why our employees choose Propel to build their careers. Join us as we change the way employees, customers and shareholders succeed together. About You: You thrive in a vibrant, entrepreneurial organization where your ideas are valued. You are motivated by goals, a self-starter, and enjoy wearing multiple hats in a fast-growing fintech environment. Responsibilities: Model Development & Ownership Develop, enhance, and maintain credit risk models across the lifecycle, including: Application scorecards Behavioural scorecards Affordability models Collections models PD / LGD / EAD models (where applicable) Take full ownership from opportunity identification through to deployment and performance tracking Model Performance & Monitoring Design and implement robust model monitoring frameworks, including performance tracking, stability metrics, and early warning indicators Define RAG thresholds and triggers for recalibration, redevelopment, or decommissioning Ensure ongoing model performance, stability, and business relevance Model Governance & Controls Maintain a comprehensive model inventory, ensuring clear ownership, documentation, and traceability Ensure all models meet internal governance standards and external regulatory expectations Manage model change control, approvals, and versioning with clear audit trails Ensure models are transparent, explainable, and fully auditable Validation, Audit & Compliance Support independent model validation and audit reviews, providing: Clear methodology Reproducible code Comprehensive documentation Ensure alignment with model risk management frameworks and FCA expectations IFRS 9 & Financial Modelling Partner with Finance to support IFRS 9 impairment modelling, including: PD / LGD inputs Forward-looking assumptions Overlays and scenario analysis Ensure strong controls, governance, and alignment with portfolio performance Responsible Lending & Risk Alignment Ensure all models align with risk appetite, affordability standards, and fairness principles Embed responsible lending and customer-centric outcomes into model design and decisioning Cross-Functional Collaboration Work closely with Credit Risk, Underwriting, Operations, Compliance, and Technology Translate model outputs into clear, actionable business insights and decision frameworks Support safe and controlled deployment into production environments Requirements: - Degree in Maths, Data Science, Statistics, Economics or similar. Experience in credit risk/financial services modelling including end-to-end model development and monitoring. Strong experience with logistic regression / scorecard-style models (eg feature engineering, variable selection, calibration, performance measurement) with experience in advanced ML approaches desirable. Proficiency in Python, R, SQL or other programming languages. Experience working with credit bureau data and large multi-source data. Understanding of model governance and model risk management expectations. Benefits to Joining Propel Competitive salary Westfield Health benefits Pension 25 days holidays, increasing by 1 day per year (up to 30) Growth and opportunity – we pride ourselves on promoting from within Incredible company culture Our Culture Propel brings together the brightest talent to build opportunities. We are entrepreneurs who measure success through results and growth from within; talent and hard work never go unnoticed. Our team fosters curiosity and growth. Equality, Diversity & Inclusion Our organisation is made up of brilliant people. Each of us is unique, whether in terms of our background, personal characteristics, experience, skills or motivations. And we value our people for the differences they bring to the table. These differences - this diversity is powerful. Fostering an inclusive culture helps each of us to benefit from a wider range of these different perspectives, experiences and skills. We believe that this creates a happier, more productive working environment for us all.