Senior Analyst, Credit Risk

Neo Financial; Toronto; On-site; CAD 80,000 - 120,000; Full time

Job summary

Neo Financial is seeking an experienced Senior Analyst, Credit Risk to enhance credit strategies and performance. This role focuses on optimizing credit decisioning through data-driven insights and analytics within a fast-paced fintech environment. Join a team that values professional integrity, teamwork, and ownership as you contribute to improving the financial experience for Canadians.

Benefits

Equity through stock options

Rapid career progression

Inclusive environment

Qualifications

• 4+ years of proven analytics experience, preferably in Credit Risk.
• Data-driven with ability to interpret numbers.

Responsibilities

• Lead portfolio management strategies to achieve lending objectives.
• Maintain operational reporting for credit risk performance.
• Analyze risk profiles using data analytics and machine learning.

Skills

SQL

R

Python

Data Interpretation

Communication

Analytical Thinking

Job description

Join to apply for the Senior Analyst, Credit Risk role at Neo Financial

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 our Credit Risk team to enable a high-growth portfolio, optimizing credit decisioning across the customer lifecycle, including 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 contribute 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 portfolio objectives; ensuring credit risk models effectively manage revenue and risk throughout the customer lifecycle
• Maintain operational reporting to track the performance of credit risk and collections strategies against targets and benchmarks
• Develop insights to monitor performance and identify trends for strategic decisions
• Collaborate with Credit Risk and Collections teams to identify opportunities for policy and strategy improvements
• Analyze risk profiles across the credit lifecycle using data analytics and machine learning to identify exposures and opportunities
• Perform advanced analytics to achieve statistically significant results and actionable outcomes
• Work with stakeholders across the organization to integrate risk management practices

Who We Are Looking For

• 4+ years of proven analytics experience, preferably in Credit Risk
• Advanced knowledge of SQL, R, and Python
• Data-driven with the ability to interpret numbers and provide insights
• Strong communication skills, adaptable to different audiences
• Self-organized with the ability to operate independently and prioritize effectively
• Highly focused and driven to achieve business objectives
• Collaborative approach with stakeholders
• Experience in fast-paced environments with competing priorities and iteration

Working At Neo

Joining Neo means betting on yourself and discovering your full potential. We challenge ourselves and each other to do our best work, offering rapid career progression and continuous learning. We seek resourceful, relentless change-makers who love challenges and thrive in uncertainty. Our team members earn equity through stock options, sharing in Neo’s growth. We focus on results over hierarchy and titles, emphasizing responsibility and mission achievement.

Check out these videos from our employees to learn more about working at Neo.

Apply With Us

We are committed to equal opportunity and creating an inclusive environment. Successful candidates will undergo security screening, including criminal records and credit checks.