Operations Manager, Consumer Financing

About Clutch

Were on a mission to reinvent how people buy sell and own cars. Are you game

Clutch is Canadas 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.

Looking to sell We buy over $1 million worth of cars every day providing a firm AI-generated offer every 15 secondsand when you sell to us you get paid instantly now thats Clutch.

Recognized four years running on The Globe & Mails list of Canadas Top Growing Companiesand with back-to-back spots on Deloittes Technology Fast 50 and Fast 500were seeking curious hard-working and driven individuals to join our growing team.

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 .

Consumer Financing at Clutch:

Clutch is on a journey to create a truly seamless car buying and ownership experienceand financing is a critical part of delivering that end-to-end journey. Were building consumer financing capability from the ground up to offer customers a simpler more transparent way to finance their vehicle while supporting Clutchs growth with a scalable disciplined lending this role youll help shape our lending strategy risk framework and operations as we bring this business to life.

About the role:

Were hiring an Operations Manager Consumer Financing to help build and scale the operating engine behind Clutchs 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.

Youll work closely with the Director of Consumer Financing and partner cross-functionally with Sales Product Data and Finance to help to build and scale Clutchs consumer financing business. Youll own day-to-day execution across core workflows drive continuous improvement and help build the playbooks and tooling needed to scale.

This is an opportunity for someone who thrives in fast-paced environments enjoys ambiguity and wants to build something meaningful from the ground up.

What Youll Do:

Own day-to-day financing operations

• Build and run and continuously improve workflows across the financing lifecycle (origination documentation underwriting support funding servicing coordination and collections support).
• Own operational cadence dDeal tracking escalations exception handling and internal SLAs to keep deals moving.
• Ensure operational quality through checklists controls and strong documentation standards.

Build scalable processes and tooling

• Identify bottlenecks and failure points; design and implement process improvements to increase speed and reduce error rates.
• Develop SOPs playbooks templates and QA processes that create consistency and enable scaling.
• Translate operational needs into clear requirements for Product/Engineering; support testing rollouts and adoption.

Use data to drive performance

• Monitor core operating metrics (turnaround times approval/funding rates exception rates doc quality customer friction points).
• Build lightweight dashboards and reporting to identify trends and drive prioritization.
• Run root-cause analysis on issues and implement fixes that stick.

Coordinate cross-functionally and with partners

• Partner with Sales and Finance to resolve customer issues quickly and create smoother handoffs.
• Support operational relationship management with external vendors/partners (e.g. verification tools service providers lending partners) including reporting and documentation requests.
• Help keep internal stakeholders aligned through clear updates escalations and process clarity.

Support compliance and controls

• Help ensure lending operations are executed in line with internal policies and applicable regulatory requirements.
• Maintain audit-ready documentation and operational controls as the program evolves.

What Were Looking For:

• Bachelors degree in Business Finance Economics or a related field
• 35 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.
• Proven ability to thrive in a high-ownership environmentyou take initiative move fast and drive outcomes with limited oversight.
• Strong operational judgment: you can balance speed customer experience and risk/quality.
• Analytical skills: comfortable using data (often imperfect) to prioritize work and measure impact.
• Excellent organization and attention to detailespecially in documentation-heavy workflows.
• Strong communication and stakeholder management skills across business and technical teams.
• Comfort operating in ambiguity and building structure where none exists.
• Nice to have:
• Exposure to consumer lending/credit underwriting loan origination/servicing or regulated financial workflows.
• Experience working with Product/Engineering to automate operational processes.
• Familiarity with KYC/identity verification credit bureaus or collections/servicing operations

This role is based in Toronto and requires on-site presenceremote candidates will not be considered.

Why Youll Love It at Clutch:

Be part of a disruptive tech-driven company that is transforming the automotive industryone of the largest and fastest growing B2C startups in Canada.

A unique opportunity to build a captive lending business from the ground up with direct impact on strategy and operations.

Freedom to innovate and ownership of your rolework on meaningful and challenging projects that have a direct impact on the business.

Collaborate with a talented and passionate team in a dynamic fast-paced environment.

Competitive pay and equity incentives.

Comprehensive health and dental benefits.

Opportunities for growth and development in a rapidly scaling company.

Why Youll Love This Role:

Youll love this role if you like being a buildertaking a 01 financing program and helping turn it into a scalable repeatable operating machine. Youll help establish the operating foundation from the ground up with high ownership to run key workflows end-to-end and drive improvements that directly impact customer experience and unit economics. Youll also tackle complex cross-functional problems at the intersection of Product Risk Operations and Customer Experiencewhile growing quickly through outsized scope steep learning and the chance to take on more responsibility as the business scales.

Compensation & Benefits

• Salary range: $110000-$130000 annually
  
  
• Equity incentives
  
  
• Comprehensive healthcare dental vision life insurance and dependent coverage starting from day 1

How to Join Us:

Clutch is committed to fostering an inclusive workplace where all individuals have an opportunity to succeed. If you require accommodation at any stage of the interview process please email