Data Analyst (Intermediate/Senior), Credit

ABOUT KOHO We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians. At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust. KOHO is entering its next chapter - leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in. ABOUT THE ROLE At KOHO, our Data Analysts work within a centralized data team, partnering closely with Product Managers, designers, and engineers to drive product decisions. You'll be joining a collaborative team that invests in mentorship, peer review, and shared learning. In this role, you'll be the product analyst for our Credit domain. You'll build the pipelines, dashboards, and analyses that shape how we grow our credit products and help users build credit responsibly. You'll partner closely with the Credit Risk team, product managers, and data science partners. WHAT YOU'LL DO - Serve as the analytics partner for credit products: build the pipelines and dashboards that power decision making across the full product lifecycle, from feature launch and rollout monitoring through mature product analytics - Design and own dbt models with a focus on performance, scalability, and the nuances of credit data - Build dashboards that go beyond reporting to answer critical product and portfolio questions - Support experimentation across the credit portfolio - Partner with stakeholders to shape requirements, prioritize the highest impact work, and connect analysis back to business outcomes - Proactively identify trends and opportunities, thinking beyond the immediate request - Contribute to team culture: code reviews, peer feedback, and evolving our shared best practices WHAT YOU'LL BRING - Around 3 years of experience in a data or analytics role - Strong SQL and hands-on dbt experience — these are the foundation of this role - Familiar with Git workflows: branching, clear commits, constructive PR reviews - A clear communicator who adapts the message to the audience - Curious about the business behind the data, and interested in how your work connects to product decisions - You integrate AI tools into your daily workflow BONUS IF YOU HAVE - Credit, lending, or consumer finance data experience - A/B testing and experimentation frameworks - Fintech or consumer product background - Redshift and dbt certifications The budgeted salary range for this role is $85,000 - 130,000 CAD / year. At KOHO, we are dedicated to providing pay transparency to all candidates. Compensation at KOHO is determined through various factors including but not limited to: comparable salary market data within Canada, technical skill assessment, a holistic view of previous work history, and internal pay equity with other KOHO team members. Description de poste en français ANALYSTE DE DONNÉES (INTERMÉDIAIRE/SÉNIOR) – CRÉDIT À PROPOS DU RÔLE Chez KOHO, nos analystes de données travaillent au sein d'une équipe de données centralisée, en étroite collaboration avec les gestionnaires de produits, les concepteurs et les ingénieurs pour orienter les décisions produit. Vous rejoindrez une équipe collaborative qui investit dans le mentorat, la révision par les pairs et l'apprentissage collectif. Dans ce rôle, vous serez l'analyste produit du domaine Crédit. Vous construirez les pipelines, tab…