Senior Analyst, Credit Risk

Overview

Join us to build a more rewarding financial future for all Canadians

At Neo, we’re on a mission to build a more rewarding financial future for all Canadians. Life at a rapidly scaling tech startup isn’t for everyone. It’s complex, fast-paced, high-pressure, but also incredibly fulfilling. 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

At Neo, we’re on a mission to build a more rewarding financial future for all Canadians. Life at a rapidly expanding tech startup isn’t for everyone. It’s complex, fast-paced, high-pressure, but also incredibly fulfilling. Since its founding in 2019, Neo has gained incredible traction and is one of the fastest-growing fintech companies in Canada.

• 1 Fastest Growing Company in Canada for 2024 by Globe & Mail
• Deloitte’s Fast 50 in Canada Winner for 2023 and 2024
• Linked In’s Top Startup in Canada for 2022 and 2023
• Top-ranked mobile apps and credit cards
• Team of 700+ 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 be the expert responsible for designing, implementing, and optimizing our customer acquisitions strategies, helping Neo grow its customer base.

By leveraging advanced analytics, including machine learning and deep portfolio performance analysis, you will directly influence credit decisioning. This role requires a proactive, experienced analyst who is passionate about translating complex data insights into actionable strategies that drive revenue while maintaining robust risk management and regulatory compliance.

What you'll be doing:

• 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 pro-active 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…