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Senior Director, Credit Risk

Neo Financial· Credit Risk
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Calgary, AB, Toronto, ONFull-timePosted 3w ago

About the role

Lead the strategic oversight and execution of Neo’s Existing Customer Management (ECM) and Collections Strategies functions, balancing growth with prudent risk governance, and guiding a team of risk strategists and analysts through advanced analytics, scorecards, automated decisioning, and testing frameworks.

Responsibilities

  • Own Existing Customer Risk: Develop, maintain, and execute strategies across credit line management (CLM), overlimit rules, cash advances, and collections/recoveries.
  • Manage Decision Engines: Oversee real-time decisioning engines (automated rules, custom logic, and third-party tools) that make real-time approve/decline decisions for existing cardholders and borrowers.
  • Lead Test-and-Learn Agendas: Design, execute, and monitor A/B tests and champion/challenger strategies to optimize portfolio yield and minimize credit losses.
  • Bureau Management: Serve as the primary leader for partner relationships with major credit bureaus (e.g., TransUnion, Equifax) regarding credit risk strategies, data feeds, and technical integrations.
  • Acquisition & Behavioural Scorecards: Partner with the Data Analytics team to build, validate, implement, and track custom credit risk scorecards.
  • Credit Loss & Stress Testing: Support Credit Risk Portfolio Management in refining credit loss models, provisioning forecasts, and scenario-based stress testing.
  • Dashboarding & Insights: Create and maintain monthly executive dashboard books tracking delinquency metrics (roll rates, 30+, 90+), utilization at charge-off, cure rates, and recovery yields.
  • Operations Partnership: Work directly with the Credit Operations team to share strategy updates, monitor delinquent population trends, and oversee execution across collection buckets and FinSol programs.
  • Cross-Functional Change Catalyst: Lead large-scale credit risk implementations across product, engineering, and compliance, integrating core risk practices into all new product initiatives.
  • Governance & Risk Controls: Ensure 100% compliance across all risk controls, regulatory requirements, and committee meetings, maintaining a clear audit trail for all testing and policy changes.

Qualifications

  • 8+ years of progressive credit risk experience, with at least 3+ years in a senior leadership role overseeing ECM, credit line strategies, or collections analytics within retail banking, fintech, or consumer lending.
  • Deep hands-on experience with automated decisioning engines, loss forecasting models, credit bureau data, and scorecard implementation.
  • Expertise running A/B testing frameworks, evaluating roll rates (30+, 90+), and managing risk-adjusted interest margins across diverse credit products.
  • Solid understanding of credit policies, governance standards, and Canadian regulatory frameworks.
  • Ability to build, mentor, and elevate analytical teams, fostering technical rigor, accountability, and continuous improvement.
  • Change resilience to adapt strategies during economic shifts or disruptions while maintaining momentum.
  • Executive influence to represent risk function in front of C-suite, board committees, and external regulators.
  • Technology vision for next-generation analytical software, ML tools, and decision systems.

Skills

Required:Existing Customer Risk managementDecision engines and real-time approvalsA/B testing and test-and-learnCredit bureau data and integrations

Benefits

  • Equity Ownership (Where Eligible): Ownership participation tied to long-term success.
  • Salary with base plus potential mix of cash and equity based on skills and scope.
  • Flexible health benefits & life insurance.
  • 21 Days PTO + statutory holidays, and personal leave.
  • Health & personal spending accounts.
  • Discounts through partner network.
  • Early access to products and discounts on Neo mortgages.
  • Parental top-up & equity vesting during long-term leave.
  • Neo night events.
  • Company-wide huddles and education.
Last updated Sep 30, 2026. Interested? Apply on the company site.

About Neo Financial

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