Operations Manager, Consumer Financing

We’re on a mission to reinvent how people buy, sell, and own cars. Are you game?

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.

Looking to sell? We buy over $1 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.

Recognized four years running on The Globe & Mail’s list of Canada’s Top Growing Companies—and with back-to-back spots on Deloitte’s Technology Fast 50™ and Fast 500™—we’re 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, Brand Project, and Upper
90. To learn more, visit  .

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.

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.

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.

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

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

• 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.
• 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.

• 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.

• 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.

• Bachelor’s degree in Business, Finance,…