Data Scientist

Neo Financial; Calgary; On-site; CAD 80,000 - 100,000; Full time

Job summary

Join a leading fintech company as an Intermediate Data Scientist focused on credit risk modeling. Collaborate with a dynamic team to enhance existing models and develop new machine learning solutions. This role offers significant growth opportunities in a fast-paced environment.

Benefits

Equity through stock options

Qualifications

• 2+ years of experience in credit risk modeling.
• Proven success in developing ML models for financial fraud or losses.

Responsibilities

• Monitor existing credit risk models for performance issues.
• Develop new ML models based on credit risk business needs.
• Document models for a business audience.

Skills

Python

Machine Learning

Credit Risk Modeling

Data Analysis

Tools

Git

Sagemaker

Job description

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 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
• LinkedIn’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

The Role

Neo Financial is seeking a motivated Intermediate Data Scientist with a focus on credit risk modeling to join our dynamic Data Science team. You will contribute to Neo's mission by applying data science principles within a rapidly scaling fintech environment, offering significant opportunities for professional growth. Collaborating closely with experienced professionals, you will work on impactful projects aligned with Neo's core values of Teamwork, Ownership, and Professional Integrity.

What You'll Be Doing

1. Monitor existing credit risk models for performance issues.
2. Redevelop models with recent data and business changes.
3. Ensure models fit business needs and analyze downstream impacts.
4. Develop new ML models based on credit risk business needs.
5. Document models for a business audience.
6. Enhance model explainability and build business trust.
7. Establish rigorous validation frameworks (e.g., OOT validation, temporal splits, cross-validation).
8. Partner with business teams to ensure models solve real problems and deliver value.

Who We Are Looking For

1. An intermediate-level Data Scientist with 2+ years of relevant experience in credit risk modeling, proven success in developing ML models for financial fraud or losses, with an emphasis on reducing credit loss.
2. Technical expertise in Python (including pandas, scikit-learn), and tree-based/ML modeling (e.g., Random Forest, XGBoost).
3. Strong ML validation skills, such as OOT testing and backtesting.
4. Ability to explain, present, and document models in a business-friendly way.
5. A pragmatic, business-first mindset — able to move quickly, prioritize value delivery, and thrive in a fast-paced environment.
6. Experience with Git and Sagemaker is a plus.

Working at Neo

We value resourcefulness, growth orientation, and a drive to succeed. Our high standards are driven by our mission to improve Canadians' financial futures. We foster a culture of challenge, collaboration, and ownership, with offices in Calgary, Winnipeg, and Toronto. Ownership is central to our culture, with meaningful equity through stock options. We hold ourselves accountable and expect results, with contributions directly impacting our success.

Apply With Us

We are committed to diversity, inclusion, and equal opportunity. Successful candidates will undergo security screening, including criminal and credit checks. By applying, you agree to our Candidate Privacy Notice regarding personal data processing.