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Senior Analyst, Credit Risk

Neo Financial· Credit Risk
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Calgary, AB, Toronto, ONCA$70k - CA$110kFull-timePosted 4mo ago

About the role

Senior Credit Risk Analyst responsible for designing, implementing, and optimizing credit decisioning and risk strategies using advanced analytics and machine learning to balance growth with risk and regulatory compliance.

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 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 by monitoring delinquency and loss metrics (e.g., First Payment Default, 30+ & 60+ DPD, Charge Off rates).
  • Maintain operational reporting to track performance of strategies against internal forecasts and KPIs.
  • Develop insightful analyses to monitor portfolio performance and drive actionable outcomes.
  • Serve as the key liaison with the Credit Operations team to ensure seamless execution of new strategies.
  • Oversee exception and manual review processes, setting guidelines for applications outside automated decisioning.
  • Collaborate with Product, Engineering, Finance, Growth to embed credit risk controls into new products and features.
  • Stay updated on industry regulations and best practices to inform risk management planning and policy development.

Qualifications

  • 3+ years of progressive experience in credit risk strategy, portfolio management, or collections strategy in 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, credit losses typologies, and familiarity with consumer credit data, scores, and attributes.
  • Experience translating analytical findings into executable rules for automated decisioning systems.
  • Exceptional stakeholder management and collaboration skills with the ability to communicate complex risk findings to non-technical partners.

Skills

Required:SQLPython/R

Benefits

  • Equity ownership (where eligible)
  • Flexible base salary with potential mix of cash and equity
  • Health benefits and life insurance
  • Parental top-up & equity vesting during long-term leave
  • 21 days PTO + holidays and personal leave
  • Employee discounts and mortgage perks
  • STIP-like incentives and other rewards described in company materials
Last updated Sep 30, 2026. Interested? Apply on the company site.

About Neo Financial

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