Senior Manager, Credit Risk

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 THE ROLE Neo is looking for a data-driven leader to serve as the Senior Manager, Credit Risk. In this role, you will help establish the strategic direction of the Credit Risk function to meet ambitious business goals. You will be responsible for designing and executing robust strategies for various elements of the credit risk journey. By leveraging advanced data analytics and mentoring a team of technical experts, you will ensure our lending portfolio remains healthy, reducing credit losses while aligning with Neo’s risk appetite and growth ambitions. WHAT YOU’LL BE DOING Strategy & Policy Development - Lead Credit Strategy development: Oversee the design and execution of strategies across the full credit lifecycle, - Innovate Risk Approaches: Work with internal and external providers of data and scores to develop innovative approaches to credit risk that deliver on Neo’s goals. - Scale Decisioning Systems: Manage the logic and rules within automated systems to make real-time decisions. - Drive Growth: Identify opportunities to grow and optimize existing products, support new card launches, and provide a risk lens for new lending product development. Team Leadership & Development - Build High-Performing Teams: Direct, evaluate, and coach a team of collections strategy analysts and technical experts. - Foster Capabilities: Develop the team’s analytical skills to actively monitor portfolio performance and identify emerging trends. - Promote Culture: Champion a culture of continuous improvement and act as a change catalyst for new ideas within the organization. Portfolio Management & Analytics - Advanced Modeling: Lead projects to build, validate, and implement custom credit risk scorecards in conjunction with Data Analytics. - Reporting Excellence: Provide timely and insightful reporting and analytics on your area of responsibility.. - Forecasting Support: Assist in developing portfolio growth, credit loss and provisioning forecasting models, including stress testing and scenario analysis. Cross-Functional Collaboration - Internal Alignment: Work closely with Product, Tech, Growth, and Finance teams to ensure risk policies align with corporate growth objectives. - External Relations: Manage relationships with credit risk counterparts at third-party funders to cultivate trust and operational success. Risk Management & Controls - Ensure Compliance: Establish strong controls to ensure zero breaches in area practices and maintain alignment with regulatory requirements. - Test & Learn: Organize and oversee detailed test plans to evaluate the impact of new strategies on the cost of credit. WHO WE ARE LOOKING FOR - Experience: A minimum of 7 years of senior leadership experience in consumer credit risk, preferably within a fast-growing tech environment. - Technical Expertise: In-depth knowledge of collections strategies, statistical modeling, and machine learning techniques. - Strategic Mindset: An entrepreneurial leader comfor