KOHO

• Own and lead incident response readiness across KOHO. • Plan and execute adversarial simulations: scope engagements, operate within defined rules of engagement, conduct offensive operations, and deliver findings that drive measurable security improvements. • Expand incident response readiness across KOHO and build response playbooks for marketing, data, legal, people & culture, risk, etc. • Conduct table top exercises with c-level to test risk acceptance and limitations. • Document lessons learned, operational improvements, and playbook updates. Execute all improvements. • Lead incident response/DFIR during a cybersecurity incident. • Conduct post incident documentation to determine contributing factors and lessons learned. • Design and deploy internal deception assets to detect lateral movement, insider threats, and unauthorized access across KOHO's environment. • Build external-facing deception capabilities, including fake credentials, canary tokens embedded in customer-facing surfaces, and decoy infrastructure seeded in breach databases and other attacker-accessible surfaces. • Instrument deception assets to generate actionable threat intelligence and feed findings back into detection logic, playbooks, and the broader threat model. • Build the triage and response workflow for deception-triggered alerts into existing SOC operations, from signal to investigation to lessons learned.

• 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

• Designing and building scalable backend services in Go, working with PostgreSQL and DynamoDB • Implementing event-driven architectures with RabbitMQ and owning production systems end-to-end • Building exceptional user experiences across mobile app (Angular/Ionic) and web app (React) • Owning the full implementation of features from database schema design and API development to implementing UI changes • Bringing new patterns and tools to the team across both frontend and backend

• Own and continuously refine KOHO's credit strategies across all lending products, including approval criteria, credit limits, pricing, and policy exceptions • Analyze existing customer segmentation and credit performance data to identify underserved or mispriced segments • Develop and test new segmentation strategies that expand access to credit for creditworthy Canadians while maintaining sound portfolio quality • Partner with Product, Engineering, Data and second line Credit Risk teams to develop documented rationale and address key risks while implementing policy changes and new decisioning logic • Synthesize portfolio performance data — delinquency, loss rates, vintage curves, revenue & utilization — into clear strategic insights and recommendations for leadership • Identify emerging risk trends or shifts in borrower behaviour early, and propose mitigating actions • Monitor macroeconomic signals, regulatory developments, and competitive dynamics that could affect KOHO's lending strategy • Define the risk framework for new lending initiatives and product expansions • Build and maintain financial models to assess the risk-return trade-offs of different segmentation strategies, credit policy changes, and new product structures • Quantify the expected P&L impact (NII & charge-offs) of strategic credit decisions • Develop scenario and sensitivity analyses to stress-test assumptions under different economic conditions • Support the annual planning process with bottom-up credit P&L forecasts by product and segment • Develop a deep understanding of the risk characteristics of KOHO's borrower base — income stability, payment behaviour, debt load, credit bureau attributes — and how these interact with product design • Build and monitor risk scorecards and early warning indicators to detect portfolio deterioration • Evaluate external data sources and alternative data signals that could improve credit decisioning • Contribute to credit risk reporting for the leadership team and, as relevant, the Board

• Own the monitoring and analysis of KOHO's delinquency and loss trends across all lending products — roll rates, cure rates, vintage performance, and charge-off trajectories • Build and maintain dashboards and reporting frameworks that give leadership real-time visibility into portfolio health and collections performance • Identify early warning signals of credit deterioration and propose proactive intervention strategies • Define and track the KPIs that matter: right-party contact rate, promise-to-pay rate, promise-to-pay kept rate, gross collections rate by delinquency stage, cost-per-dollar-collected, and post-charge-off recovery rates • Design and continuously optimize KOHO's contact strategy across the full delinquency lifecycle • Develop customer segmentation models to tailor treatment strategies based on delinquency stage, customer risk profile, payment behaviour history, and responsiveness • Partner with Product and Engineering to build or enhance in-app and digital nudges that encourage repayment before accounts reach critical delinquency stages • Ensure all contact strategies comply with applicable regulations • Design payment arrangement programs — including hardship plans, instalment options, fee suppression, and settlement / partial forgiveness offers • Lead the strategy of KOHO's third-party collections partners (BPOs) • Develop the strategy for post-charge-off debt recovery, including internal recovery, third-party debt placement, and debt sale decisions • Collaborate with Credit Strategy on the policy framework for re-qualifying defaulted customers for new credit products

• Work with Product Managers to develop and refine product strategy and vision • Prepare wireframes, user flows, process flows, customer journeys, and other artifacts • Work within an iterative design process: rapid prototyping, user experience research, testing hypotheses • Collaborate with engineers, providing design direction and understanding technical requirements • Influence product aspects from copywriting to lifecycle marketing • Evangelize Design-centric product development process and mentor other designers

• Lead high-impact research across multiple product areas • Support product strategy and roadmap decisions • Define strong research questions and determine the right methods • Use a range of methods such as in-depth interviews and usability studies • Synthesize findings into clear narratives, actionable insights, frameworks, and recommendations • Collaborate closely with designers, product managers, engineers, data partners, and product marketers • Build the foundations of a scalable research practice • Improve research operations and participant recruitment • Mentor designers, product managers, and other cross-functional partners • Explore how AI-powered tools can accelerate research workflows

• Define and champion KOHO's multichannel creative vision across campaigns, product storytelling, content, events, and social and be accountable for business outcomes • Concept and create key pieces yourself when the work demands it, you are a "player/coach" • Lead and develop a multidisciplinary creative team, including art directors, designers, copywriters, and producers • Set the creative standard for all work, providing clear direction and feedback across both art direction and copy • Work with product marketing to translate briefs into powerful creative ideas • Oversee photo and video shoots alongside the Studios team and freelance production crews • Brief and manage freelance talent and agency partners during campaign surges • Help establish creative processes, review cadences, and quality standards as the department scales • Present concepts and creative work to senior stakeholders with clarity and conviction • Build the systems, processes, and review structures that enable high-quality creative output at scale • Oversee external agencies, freelancers, production partners, and photo/video shoots as needed • Set art direction and copy direction for campaigns, brand, web, product, video, events, and social

• Own the end-to-end execution of A/B tests across organic, paid, and affiliate landing pages • Manage App Store and Play Store presence to maximize click-to-install performance • Analyze and tune referral loops for user advocacy and growth • Collaborate with Organic Manager to align testing with organic strategies • Be the primary storyteller for optimization data, translating results into actionable insights

• Supporting the execution and operations of KOHO’s affiliate and partnerships channel, helping launch campaigns across email, content placements, landing pages, and programmatic partners. • Building and managing tracking links, UTMs, and referral codes, ensuring campaigns are live, accurate, and properly tracked. • Supporting onboarding and setup of new partners across networks and direct integrations, maintaining partner documentation, offers, and placements, and acting as a point of contact for partner coordination and day-to-day requests. • Monitoring performance across conversions, CAC, LTV, and partner-level metrics, supporting reporting and troubleshooting, and contributing to testing and optimization to improve overall channel efficiency.