Senior Director, Credit Risk/Lending

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 We’re looking for a Sr. Director, Credit Risk to work with the leadership team to continue building and scaling the business through our next phases of growth. WHAT YOU’LL BE DOING - Oversee the strategy and execution of Neo’s one or more of Neo’s consumer credit risk functions in order to effectively enable sound strategies to manage risk and profitability. - Identify opportunities to grow our lending businesses, including growth and optimization of existing products, new card launches, and new lending product development. - Work closely with Credit Risk and Collections internal counterparties (Products, Tech, Growth, Finance) to ensure that policies and strategies are aligned with Neo’s corporate goals - Develop and oversee the creation of credit risk and lending models, tools, systems, and processes to enable effective and scalable decision-making throughout the company, providing critical risk information and insights to all relevant stakeholders (Board, investors, CEO, senior management team, etc.) - Identify and ensure the development & maintenance of the required operational reporting to ensure tracking of the performance of our credit risk and collections strategies relative to internal targets and external benchmarks - Manage relationships with credit risk counterparts at Neo’s third party funders, cultivating trust and strong working relationships needed for Neo to achieve its growth objectives - Develop and maintain a strong interaction with 2nd and 3rd lines of defense in complying with Neo’s risk appetite. - Grow Neo's capabilities in industry leading risk management practices by staying up to date on emerging trends and technologies and adopting them where appropriate - Work with the management team to develop and execute corporate strategy and business plans to ensure that the company attains its short and long-term growth objectives - Provide a risk lens and thought leadership on strategic opportunities to grow and scale the business that balances Neo’s growth objectives with its risk tolerance - Manage all credit risk and loss mitigation strategies and operations for the company, ensuring effective end to end lifecycle management of our customers - Lead the development and oversight of strategic initiatives that enhance credit risk management performance - Manage and support cross functional initiatives, including large scale implementations, to ensure projects have adequate credit risk representation and leadership - Evaluate, improve and help build cross-company processes that are efficient and scalable; assist with crafting and realizing company policies and procedures that institutionalize proper controls - Collaboration with key stakeholders across the organization to integrate foundational risk practices - Represent Neo and its interest across industry consortiums and working group WHO WE ARE LOOKING FOR - A minimum of 7 years of extensive senior leadership experience in leading and developing co