Senior Analyst, Credit Risk

The role

You will design, implement, and optimize customer acquisition strategies. You will use advanced analytics and machine learning to influence credit decisioning and monitor portfolio performance.

What you will do

• Lead the design, maintenance, and implementation of core credit adjudication strategies, policies, and processes.
• Define underwriting criteria for lending products including knock-out rules, minimum credit scores, DTI ratio thresholds, and income requirements.
• Develop initial credit line assignment strategies and oversee logic within automated decisioning systems.
• Utilize advanced data analytics and machine learning to analyze risk profiles and quantify exposure.
• Conduct vintage analysis by monitoring key delinquency rates.
• Maintain operational reporting to track performance against internal forecasts.
• Serve as the key liaison with the Credit Operations team.
• Oversee exception and manual review processes.
• Collaborate with cross-functional teams to embed credit risk controls into new products.
• Stay updated on industry regulations and best practices.

Required qualifications

• 3+ years of progressive experience in credit risk strategy, portfolio management, or collections strategy.
• 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, various credit losses typologies, and familiarity with consumer credit data, scores, and attributes.
• Experience in translating analytical findings into clear, executable rules for automated decisioning systems.
• Exceptional stakeholder management and collaboration skills.

Nice to have

• Experience within a high-growth lending, Fintech, or Financial Services environment.

Benefits

• Equity ownership for eligible roles
• Short term incentive plans (STIP)
• Flexible health benefits & life insurance
• 21 Days PTO + stat holidays, and personal leave
• Health & personal spending accounts
• A wide variety of discounts through our partner network
• Access to early use of products and discounts on fixed-term Neo mortgages
• Parental top-up & equity vesting during long term leave
• Neo night events
• Company wide huddles, and education

Before you apply

• Successful candidates will be required to undergo a security screening, including a criminal records check and a credit check.

About the company

Neo is a rapidly scaling fintech company and one of the fastest-growing companies in Canada. It aims to build a more rewarding financial future for all Canadians.