Senior Analyst, Credit Risk (Future Opportunities)
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Key skills for this role
About the Role
Neo Financial is building a pipeline for a Senior Credit Risk Analyst to design and optimize customer acquisition strategies. The role involves advanced analytics, machine learning, and portfolio performance analysis to influence credit decisioning.
Key Skills for This Role
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 ratio thresholds, and income requirements
- Develop initial credit line assignment strategies and oversee logic within automated decisioning systems
- 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 key delinquency rates, including First Payment Default, 30+ & 60+ DPD, and Charge Off rates
- Maintain all operational reporting to track performance of strategies against internal forecasts
- Serve as key liaison with Credit Operations team, ensuring seamless execution and monitoring of all new strategies
- Oversee exception and manual review processes, setting clear guidelines for applications that fall outside automated decisioning
- Collaborate with cross functional teams to embed foundational credit risk controls into new products and features
- Stay updated on industry regulations and best practices, applying this knowledge to proactive risk management planning and policy development
Requirements
- 3+ years of progressive experience in credit risk strategy, portfolio management, or collections strategy, preferably in high growth lending, Fintech, or Financial Services
- 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, various credit losses typologies, and familiarity with consumer credit data, scores, and attributes
- Demonstrated experience in translating analytical findings into clear, executable rules for automated decisioning systems
- Exceptional stakeholder management and collaboration skills, with ability to clearly articulate complex risk findings to non technical partners
Full Job Posting
The Role
- As a Senior Credit Risk Analyst at Neo, you will play a pivotal, data driven role, responsible for designing, implementing, and optimizing our customer acquisitions strategies, helping Neo grow its customer base.
- By leveraging advanced analytics, including machine learning and deep portfolio performance analysis, you will directly influence credit decisioning.
- This role requires a proactive, experienced analyst who is passionate about translating complex data insights into actionable strategies that drive revenue while maintaining robust risk management and regulatory compliance.
What You'll Be Doing
- Strategy Development & Implementation: Lead design, maintenance, and implementation of core credit adjudication strategies, policies, and processes for customer acquisition.
- Advanced Analytics & Portfolio Monitoring: Utilize advanced data analytics and machine learning to analyze risk profiles, identify emerging trends, and quantify exposure across the credit lifecycle.
- Operational Execution & Collaboration: Serve as key liaison with Credit Operations team; oversee exception and manual review processes; collaborate with cross functional teams.
Who We Are Looking For
- Experience: 3+ years of progressive experience in credit risk strategy, portfolio management, or collections strategy, preferably within a high growth lending, Fintech, or Financial Services environment.
- Technical Expertise: Proven ability to use advanced data analysis tools (SQL, Python/R, or similar) to extract, manipulate, and analyze large datasets.
- Risk Knowledge: Deep understanding of the credit lifecycle, various credit losses typologies, and familiarity with consumer credit data, scores, and attributes.
- Execution Focus: Demonstrated experience in translating analytical findings into clear, executable rules for automated decisioning systems.
- Communication: Exceptional stakeholder management and collaboration skills, with the ability to clearly articulate complex risk findings to non technical partners.
Total Rewards
- Salary: We provide a strong base salary aligned with market ranges, along with the flexibility to tailor your mix of cash and equity.
- Equity Ownership (Where Eligible): At Neo, you don’t just work here, you own a piece of what we’re building.
- Compensation Range: CACAD 70K CACAD 110K.
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