Operations Manager, Consumer Financing

About this role

<p><strong>About Clutch</strong></p> <p>We’re on a mission to reinvent how people buy, sell, and own cars. Are you game?</p> <p>Clutch is Canada’s largest buyer and seller of cars, offering a digital-first, hassle-free experience. Customers can browse thousands of cars online, have their chosen vehicle delivered right to their door, and enjoy peace of mind with our 10-Day Money-Back Guarantee.</p> <p>Looking to sell? We buy over $3 million worth of cars every day, providing a firm, AI-generated offer every 15 seconds—and when you sell to us, you get paid instantly, now that’s Clutch.</p> <p>Recognized four years running on <em>The Globe & Mail’s</em> list of Canada’s Top Growing Companies—and with back-to-back spots on Deloitte’s <em>Technology Fast 50™</em> and <em>Fast 500™</em>—we’re seeking curious, hard-working, and driven individuals to join our growing team.</p> <p>Founded in 2017 and headquartered in Toronto, Clutch currently operates in Ontario, New Brunswick, Nova Scotia, and Prince Edward Island. Our world-class investors include Altos Ventures, Canaan, FJ Labs, BrandProject, and Upper90. To learn more, visit <a href="https://www.clutch.ca/">clutch.ca</a>.</p> <p><strong>Consumer Financing at Clutch:</strong></p> <p>Clutch is on a journey to create a truly seamless car buying and ownership experience—and financing is a critical part of delivering that end-to-end journey. We’re building consumer financing capability from the ground up to offer customers a simpler, more transparent way to finance their vehicle, while supporting Clutch’s growth with a scalable, disciplined lending platform. In this role, you’ll help shape our lending strategy, risk framework, and operations as we bring this business to life.</p> <p><strong>About the role:</strong></p> <p>We’re hiring an Operations Manager, Consumer Financing to help build and scale the operating engine behind Clutch’s lending program. This is a high-ownership, hands-on generalist role for someone who can run key processes, solve messy problems, and improve the system as we grow.</p> <p>You’ll work closely with the Director of Consumer Financing and partner cross-functionally with Sales, Product, Data and Finance to help to build and scale Clutch’s consumer financing business. You’ll own day-to-day execution across core workflows, drive continuous improvement, and help build the playbooks and tooling needed to scale.</p> <p>This is an opportunity for someone who thrives in fast-paced environments, enjoys ambiguity, and wants to build something meaningful from the ground up.</p> <p><strong>What You’ll Do:</strong></p> <p><strong>Own day-to-day financing operations</strong></p> <ul> <li>Build and run and continuously improve workflows across the financing lifecycle (origination, documentation, underwriting support, funding, servicing coordination, and collections support).</li> <li>Own operational cadence, dDeal tracking, escalations, exception handling, and internal SLAs to keep deals moving.</li> <li>Ensure operational quality through checklists, controls, and strong documentation standards.</li> </ul> <p><strong>Build scalable processes and tooling</strong></p> <ul> <li>Identify bottlenecks and failure points; design and implement process improvements to increase speed and reduce error rates.</li> <li>Develop SOPs, playbooks, templates, and QA processes that create consistency and enable scaling.</li> <li>Translate operational needs into clear requirements for Product/Engineering; support testing, rollouts, and adoption.</li> </ul> <p><strong>Use data to drive performance</strong></p> <ul> <li>Monitor core operating metrics (turnaround times, approval/funding rates, exception rates, doc quality, customer friction points).</li> <li>Build lightweight dashboards and reporting to identify trends and drive prioritization.</li> <li>Run root-cause analysis on issues and implement fixes that stick.</li> </ul> <p><strong>Coordinate cross-functionally and with partners</strong></p> <ul> <li>Partner with Sales and Finance to resolve customer issues quickly and create smoother handoffs.</li> <li>Support operational relationship management with external vendors/partners (e.g., verification tools, service providers, lending partners), including reporting and documentation requests.</li> <li>Help keep internal stakeholders aligned through clear updates, escalations, and process clarity.</li> </ul> <p><strong>Support compliance and controls</strong></p> <ul> <li>Help ensure lending operations are executed in line with internal policies and applicable regulatory requirements.</li> <li>Maintain audit-ready documentation and operational controls as the program evolves.</li> </ul> <p><strong>What We’re Looking For:</strong></p> <ul> <li>Bachelor’s degree in Business, Finance, Economics, or a related field</li> <li>3–5 years of experience in operations, business operations, fintech/lending ops, payments ops, or other process-heavy execution roles, exposure to credit/lending is a significant asset.</li> <li>Proven ability to thrive in a high-ownership environment—you take initiative, move fast, and drive outcomes with limited oversight.</li> <li>Strong operational judgment: you can balance speed, customer experience, and risk/quality.</li> <li>Analytical skills:…