Senior Analyst, Credit Risk

Senior Analyst, Credit Risk

Join Neo Financial – a rapidly scaling fintech company on a mission to build a more rewarding financial future for all Canadians. Since its founding in 2019, Neo has gained incredible traction and is one of the fastest‑growing fintech companies in Canada.

• #1 on Deloitte’s Technology Fast 50 for 2023, 2024, and 2025 – the first company ever to achieve a three‑peat at the top!
• #1 Fastest Growing Company in Canada for 2024 by Globe & Mail
• Top‑ranked mobile apps and credit cards
• Team of 500+ people
• 1M+ customers
• 10K+ retail partners

We are seeking a Senior Analyst, Credit Risk to join our Adjudications team. In this pivotal, data‑driven role, you will design, implement, and optimize our customer acquisition strategies, helping Neo grow its customer base.

• Strategy Development & Implementation
  • Lead the design, maintenance, and implementation of core credit adjudication strategies, policies, and processes for customer acquisition.
  • Define all underwriting criteria for lending products, including knock‑out rules, minimum credit scores, Debt‑to‑Income (DTI) ratio thresholds, and income requirements.
  • Develop initial credit line assignment strategies and oversee logic within automated decisioning systems (in‑house or vendor platforms) to ensure accurate, real‑time approve/decline decisions.
• Advanced Analytics & Portfolio Monitoring
  • Utilize advanced data analytics and machine learning to analyze risk profiles, identify emerging trends, and quantify exposure across the credit lifecycle.
  • Conduct vintage analysis (e.g., comparing Q1 2025 to Q1 2024 performance) by monitoring key delinquency rates, including First Payment Default (FPD), 30+ & 60+ DPD, and Charge Off rates.
  • Maintain all operational reporting to track performance of strategies against internal forecasts, ensuring no consistent breaches in credit risk KPIs.
  • Develop insightful analysis to actively monitor portfolio performance and drive actionable outcomes.
• Operational Execution & Collaboration
  • Serve as the key liaison with the Credit Operations team, ensuring seamless execution and monitoring of all new strategies.
  • Oversee exception and manual review processes, setting clear guidelines for applications that fall outside automated decisioning.
  • Collaborate with cross‑functional teams (Product, Engineering, Finance, Growth) to embed foundational credit risk controls into new products and features.
  • Stay updated on industry regulations and best practices, applying this knowledge to proactive risk management planning and policy development.

• Experience:
  
  3+ years of progressive experience in credit risk strategy, portfolio management, or collections strategy, preferably within a high‑growth lending, Fintech, or Financial Services environment.
• Technical Expertise:
  Proven ability to use advanced data analysis tools (SQL, Python/R, or similar) to extract, manipulate, and analyze large datasets.
• Risk Knowledge:
  Deep understanding of the credit lifecycle, various credit losses typologies, and familiarity with consumer credit data, scores, and attributes.
• Execution Focus:
  Demonstrated experience in translating analytical findings into clear, executable rules for automated decisioning systems.
• Communication:
  Exceptional stakeholder management and collaboration skills, with the ability to clearly articulate complex risk findings to non‑technical partners.

• Seniority level:
  Mid‑Senior level
• Employment type:
  
  Full‑time
• Job function:
  Finance and Sales

The people who thrive at Neo are resourceful, growth‑oriented, and driven to win. We hold ourselves to high standards because we’re on a mission that matters: to build a more rewarding financial future for all Canadians. As individuals and as a team, we constantly challenge ourselves and each other to raise the bar and deliver exceptional experiences for our customers.

Our commitment to customer success drives everything we do, from building world‑class products to providing exceptional support at every step. You’ll be surrounded by people who push you to be your best and who work hard, holding themselves accountable for delivering on commitments.

We prioritize growth, creativity, and ownership. All team members earn meaningful equity through stock options. Working at Neo means taking ownership of your work and driving results, knowing your contributions directly impact the company’s success.

We believe in equal opportunity and are committed to creating an inclusive climate where everyone can thrive.

Customers trust us with their finances, so successful candidates for this position will be required to undergo a security screening, including a criminal records check and a credit check.

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