Senior Analyst, Credit Risk (Future Opportunities)

Neo Financial•Toronto, ON

2d•Onsite

About The Position

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.

Requirements

3+ years of progressive experience in credit risk strategy, portfolio management, or collections strategy, preferably within a high-growth lending, Fintech, or Financial Services environment.
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, various credit losses typologies, and familiarity with consumer credit data, scores, and attributes.
Demonstrated experience in translating analytical findings into clear, executable rules for automated decisioning systems.
Exceptional stakeholder management and collaboration skills, with the ability to clearly articulate complex risk findings to non-technical partners.

Responsibilities

Lead the design, maintenance, and implementation of core credit adjudication strategies, policies, and processes for customer acquisition.
Define all underwriting criteria for lending products, including knock-out rules, minimum credit scores, Debt-to-Income (DTI) ratio thresholds, and income requirements.
Develop initial credit line assignment strategies and oversee logic within automated decisioning systems (in-house or vendor platforms) to ensure accurate, real-time approve/decline decisions.
Utilize advanced data analytics and machine learning to analyze risk profiles, identify emerging trends, and quantify exposure across the credit lifecycle.
Conduct vintage analysis (e.g., comparing Q1 2025 to Q1 2024 performance) by monitoring key delinquency rates, including First Payment Default (FPD), 30+ & 60+ DPD, and Charge Off rates.
Maintain all operational reporting to track performance of strategies against internal forecasts, ensuring no consistent breaches in credit risk KPIs.
Develop insightful analysis to actively monitor portfolio performance and drive actionable outcomes.
Serve as the key liaison with the Credit Operations team, ensuring seamless execution and monitoring of all new strategies.
Oversee exception and manual review processes, setting clear guidelines for applications that fall outside automated decisioning.
Collaborate with cross-functional teams (Product, Engineering, Finance, Growth) to embed foundational credit risk controls into new products and features.
Stay updated on industry regulations and best practices, applying this knowledge to proactive risk management planning and policy development.