Senior Analyst, Credit Risk

Neo Financial; Toronto; On-site; CAD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a Senior Analyst in Credit Risk to join their dynamic team. This role involves optimizing credit decisioning and managing risk across the customer lifecycle. The ideal candidate will leverage their analytics expertise to drive strategic business decisions and enhance credit risk models. This innovative firm offers a fast-paced environment that fosters growth and collaboration, providing opportunities for career advancement and skill development. If you're passionate about transforming financial services and thrive in a challenging atmosphere, this is the perfect opportunity for you.

Benefits

Equity through stock options

Career progression opportunities

Collaborative work environment

Continuous learning opportunities

Qualifications

• 4+ years analytics experience, preferably in Credit Risk.
• Advanced knowledge of SQL, R, and Python required.

Responsibilities

• Lead development of credit risk management strategies.
• Analyze risk profiles using data analytics and machine learning.
• Collaborate with stakeholders to integrate risk practices.

Skills

Data Analytics

Credit Risk Analysis

SQL

Python

R

Communication Skills

Problem Solving

Education

Bachelor's Degree in Finance, Economics, or related field

Job description

Come Build a Better Financial Future for all Canadians

At Neo, we’re building a more rewarding financial experience for all Canadians.

Life at a rapidly expanding tech startup is demanding, exhilarating, and not for everyone.

From world-class creative minds to brilliant engineers, it's high-performing people that make Neo a workplace with passion and purpose.

Since being founded in 2019, Neo has built incredible traction and is one of the fastest growing fintechs in Canada.

• LinkedIn’s Top Startup in Canada for 2022 and 2023
• Top-ranked mobile apps and credit cards
• Canada’s top-rated credit card
• Team of 700+ people
• 1M+ customers in 3 years

High Performance at Neo

We recruit, hire, and build our company culture around these attributes:

Teamwork: We trust, respect, encourage, and show up for each other — through good times and hard. We’re on this mission not just for ourselves, but also for the people we work with — and ultimately, for our customers.

Ownership: We all have a stake in Neo’s success — so we go out of our way to do what needs to get done. We hold ourselves accountable to deliver on our commitments — to our customers, to our partners, and to our team. When we fall short, we find a way to do better in the future.

Professional Integrity: We’re asking millions of Canadians to trust us with their hard-earned money — so we hold ourselves (and each other) to the highest standards of integrity.

The Role

Neo is looking for an experienced and data driven individual with knowledge of credit and collections strategies to join our team as a full-time Senior Analyst, Credit Risk in our Calgary headquarters. In this role, you’ll work closely with the rest of our Credit Risk team to enable a high growth portfolio, optimizing credit decisioning across the customer lifecycle across adjudication, account management, and collections. By leveraging your industry experience and advanced analytics, you’ll make an immediate impact via strategic and tactical credit risk levers. You’ll be contributing to our innovative, strategic, and high-performance team with a mission to improve the financial experience for all Canadians.

What you'll be doing:

• Lead development and implementation of key portfolio management strategies to achieve Neo’s lending portfolios business objectives; ensuring Neo’s credit risk models are effectively managing both revenue generation and risk management through the customer lifecycle.
• Maintain the required operational reporting to ensure tracking of the performance of our credit risk and collections strategies relative to internal targets and external benchmarks.
• Develop insights to actively monitor performance, and identify trends to enable strategic business decisions.
• Interact with Credit Risk and Collections internal counterparties (Products, Tech, Growth, Finance) to identify opportunities in improvements/changes on policies and strategies.
• Analyze risk profiles across the credit lifecycle, leveraging data analytics and machine learning to best identify exposure/opportunities.
• Perform advanced analytics and leverage best practices to achieve statistically significant results leading to actionable outcomes.
• Collaborate with key stakeholders across the organization to integrate foundational risk practices.

Who we are looking for:

• You have 4+ years proven analytics experience, driving optimal business decisions; preferably in the Credit Risk domain.
• You bring advanced knowledge of SQL, R and Python.
• You are data-driven; eager to understand the numbers and provide meaningful insights.
• You have strong written and verbal communication skills with the ability to adapt communication to different audiences.
• You’re self-organized with the ability to operate independently and prioritize effectively.
• You’re a self-starter who is highly focused and driven to achieve business objectives.
• You take an extremely collaborative approach and with the ability to engage purposely with stakeholders.
• You have experience in a fast-paced environment where competing priorities, uncertain outcomes and iteration is the norm.

Working at Neo:

Joining Neo means betting on yourself and discovering your full potential. As individuals and as a team, we continually challenge ourselves and each other to do our best work. We’re making change happen at a rapid pace — providing endless opportunities to sharpen your skills, expand your knowledge, and find new solutions to complex problems. That means rapid career progression and constant learning opportunities.

The people who thrive at Neo are resourceful, relentless, and want to win. We hold ourselves to high standards, because we’re on a mission that matters — to transform financial services for the better. If that’s what you’re looking for, read on.

We trust, respect, and show up for each other. That means truthful conversations, frequent feedback, and working with people who push you to be your best. We’re evolving quickly as an organization, we work together in person, and the pace of progress isn’t for everyone. That’s why we’re looking for change-makers who love a challenge — who would rather blaze a trail through uncertainty than travel a well-paved road.

Our team members earn meaningful equity in the company through stock options — so Neo’s growth benefits everyone who helps make it happen. That also means taking on more responsibility than you may have had at your last job. We don’t get hung up on job titles or hierarchy — we’re focused on doing what it takes to accomplish our mission.

Apply with us:

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.