Neo
Fintech
SeniorAnalyst,CreditRisk
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“Senior Analyst, Credit Risk at Neo. Skills: Credit Risk, Data Analytics, Strategy Development. Lead design, maintenance, implementation of credit adjudication strategies. Define underwriting criteria for lending products”
What You'll Achieve.
Drive revenue while maintaining robust risk management; Ensure accurate, real-time approve/decline decisions; Ensure no consistent breaches in credit risk KPIs; Drive actionable outcomes; Ensure seamless execution and monitoring of all new strategies; Embed foundational credit risk controls into new products and features; Proactive risk management planning and policy development; Build a more rewarding financial future for all Canadians; Deliver exceptional experiences for our customers; Make decisions that move the business forward
Industry & Context.
Translating complex data insights into actionable strategies; Problem solvers who thrive on challenge
Security screening, including a criminal records check and a credit check
What They're Looking For.
Must Have
3+ years of progressive experience in credit risk strategy, portfolio management, or collections strategy, Proven ability to use advanced data analysis tools (SQL, Python/R, or similar) to extract, manipulate, and analyze large datasets, Deep understanding of the credit lifecycle, Familiarity with consumer credit data, scores, and attributes, Demonstrated experience in translating analytical findings into clear, executable rules for automated decisioning systems, Security screening, including a criminal records check and a credit check
Nice to Have
Experience preferably within a high-growth lending, Fintech, or Financial Services environment, Familiarity with various credit losses typologies
What You'll Do.
implementation of credit adjudication strategies
Define underwriting criteria for lending products
Develop initial credit line assignment strategies
Utilize data analytics and machine learning to analyze risk profiles
Conduct vintage analysis and monitor delinquency rates
Maintain operational reporting to track strategy performance
Develop analysis to monitor portfolio performance
Serve as liaison with Credit Operations team
Oversee exception and manual review processes
Collaborate with cross-functional teams to embed credit risk controls
Stay updated on industry regulations and best practices
How You'll Work.
Team & Collaboration
Collaborate with cross-functional teams (Product, Engineering, Finance, Growth); Serve as the key liaison with the Credit Operations team; Collaborate with the brightest minds
Communication Scope
Exceptional stakeholder management; Ability to clearly articulate complex risk findings to non-technical partners
Full 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 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 https://www.newswire.ca/news-releases/neo-financial-achieves-first-ever-three-peat-win-as-number-one-on-deloitte-s-technology-fast-50-list-889692540.html — the first company ever to achieve a three-peat at the top! - #1 Fastest Growing Company in Canada for 2024 by Globe & Mail https://www.businesswire.com/news/home/20240927952651/en/Neo-Financial-Ranks-No.-1-on-The-Globe-and-Mail%E2%80%99s-2024-List-of-Canada%E2%80%99s-Top-Growing-Companies - Top-ranked mobile apps and credit cards - Team of 500+ people - 1M+ customers - 10K+ retail partners PLEASE NOTE: We are actively recruiting for this position and building a pipeline of top-tier talent. While we may not have an immediate start date, we are looking for exceptional candidates to join our team for future hiring needs as we continue to scale. THE ROLE: As a Senior Credit Risk Analyst at Neo, you will play a pivotal, data-driven role, 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 co
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