Come Build a Better Financial Future for all Canadians 

At Neo, we’re building a more rewarding financial experience for all Canadians.  

Life at a rapidly expanding tech startup is demanding, exhilarating, and not for everyone.

From world-class creative minds to brilliant engineers, it's high-performing people that make Neo a workplace with passion and purpose.

Since being founded in 2019, Neo has built incredible traction and is one of the fastest growing fintechs in Canada. 

• LinkedIn’s Top Startup in Canada for 2022 and 2023
• Top-ranked mobile apps and credit cards
• Canada’s top-rated credit card
• Team of 700+ people
• 1M+ customers in 3 years 
• 11K+ retail partners

High Performance at Neo

We recruit, hire, and build our company culture around these attributes:

Teamwork: We trust, respect, encourage, and show up for each other — through good times and hard. We’re on this mission not just for ourselves, but also for the people we work with — and ultimately, for our customers.

Ownership: We all have a stake in Neo’s success — so we go out of our way to do what needs to get done. We hold ourselves accountable to deliver on our commitments — to our customers, to our partners, and to our team. When we fall short, we find a way to do better in the future.

Professional Integrity: We’re asking millions of Canadians to trust us with their hard-earned money — so we hold ourselves (and each other) to the highest standards of integrity.

The Role

As a Senior Analyst, Credit Risk, you will be the critical link between our business objectives and our technical execution, ensuring that we support Neo's growth within the established risk appetite. You will dive deep into the data that powers our lending decisions, working to optimize our risk strategies and systems, creating insights and looking for opportunities to solidly expand our portfolio. This role is perfect for a data-driven problem-solver who thrives on translating complex business needs into actionable insights and technical requirements that protect both our customers and the company.

What you'll be doing:

• Collaborate with cross-functional teams including Data Science, Engineering, Product, Operations, and other Credit Risk and Fraud functions to deliver on credit risk initiatives.
• Translate business requirements into clear, concise technical specifications and user stories for our technical teams.
• Perform in-depth data analysis using SQL to identify trends, patterns, and insights related to credit performance and risk.
• Develop and maintain documentation, including process flows, business requirements documents, and system diagrams.
• Support the development, testing, and implementation of new credit risk strategies, models, and underwriting rules.
• Monitor and report on key risk metrics through dashboards, helping the team understand performance and identify areas for improvement.

Who we are looking for:

• 2+ years of experience as a Business Analyst, preferably in the financial services or fintech industry.
• Strong proficiency in SQL for data querying, manipulation, and analysis is a must (Python knowledge is a plus) .
• Proven experience working with BI and data visualization tools (e.g., Looker, Tableau, PowerBI).
• Exceptional analytical and problem-solving skills, with a keen ability to break down complex problems into manageable components.
• Excellent communication and interpersonal skills, with the ability to effectively collaborate with both technical and non-technical stakeholders.
• A strong understanding of credit risk concepts and methodologies is a significant asset.
• Experience working in an agile development environment is a plus.

Working at Neo:

Joining Neo means betting on yourself and discovering your full potential. As individuals and as a team, we continually challenge ourselves and each other to do our best work. We’re making change happen at a rapid pace — providing endless opportunities to sharpen your skills, expand your knowledge, and find new solutions to complex problems. That means rapid career progression and constant learning opportunities. 

The people who thrive at Neo are resourceful, relentless, and want to win. We hold ourselves to high standards, because we’re on a mission that matters — to transform financial services for the better. If that’s what you’re looking for, read on.

We trust, respect, and show up for each other. That means truthful conversations, frequent feedback, and working with people who push you to be your best. We’re evolving quickly as an organization, we work together in person, and the pace of progress isn’t for everyone. That’s why we’re looking for change-makers who love a challenge — who would rather blaze a trail through uncertainty than travel a well-paved road.

Our team members earn meaningful equity in the company through stock options — so Neo’s growth benefits everyone who helps make it happen. That also means taking on more responsibility than you may have had at your last job. We don’t get hung up on job titles or hierarchy — we’re focused on doing what it takes to accomplish our mission.

Check out these videos from our employees to learn more about Working at Neo.

Apply with us:

We believe in equal opportunity, and are committed to creating an inclusive climate where everyone can thrive. Customers trust us with their finances, so successful candidates for this position will be required to undergo a security screening, including a criminal records check and a credit check.