Senior Credit Risk Analyst, Collections

About Neo Neo is on a mission to build a more rewarding financial future for all Canadians. Since its founding in 2019, Neo has become one of the fastest‑growing fintech companies in Canada. Fastest Growing Company in Canada 2024 by Globe & Mail Deloitte Fast 50 Winner 2023 and 2024 LinkedIn Top Startup in Canada 2022 and 2023 Top‑ranked mobile apps and credit cards 700+ employees 1 M+ customers 10 k+ retail partners Senior Credit Risk Analyst – Collections As a Senior Credit Risk Analyst, Collections, you will be a key contributor to our credit and collections strategies, helping manage our high‑growth portfolio. Your role focuses on using advanced analytics to optimize risk management and improve the customer experience. Responsibilities Strategy Development & Implementation: Design, test and implement innovative collections strategies, leveraging credit risk and collections models. Performance Monitoring & Reporting: Track performance of collections strategies, benchmark against targets, and provide concise, insight‑driven summaries. Risk Management & Controls: Implement and maintain risk‑management practices throughout testing, identifying potential issues and mitigating risks. Advanced Analytics: Conduct deep‑dive analyses using data analytics and machine learning to uncover hidden risks and opportunities. Operational Execution: Liaise with Credit Operations to ensure seamless execution of new strategies. Collaboration & Mentorship: Collaborate with Product, Engineering, Finance to embed credit risk controls in new products. Learning & Development: Continuously improve analytical skills and understand credit loss typologies. Stakeholder Collaboration: Work with internal teams to improve credit risk and collections policies. Insight Generation: Monitor portfolio performance, identify trends, and provide actionable recommendations. Additional Activities: • Develop collections strategies for early delinquent, late delinquency, and charge‑off accounts. • Understand policies, regulations, and governance impacts. • Define and implement financial remediation tools. • Manage decisioning systems and real‑time eligibility logic. • Assess credit quality and report emerging risks. • Create and share delinquency metrics and risk benchmarks. Qualifications 5+ years of experience as a Business Analyst, preferably in financial services or fintech. Strong SQL proficiency; Python knowledge a plus. Experience with BI and data visualization tools such as Looker, Tableau, or PowerBI. Exceptional analytical and problem‑solving skills. Proactive, curious mindset with strong diagnostic ability. Excellent communication and collaboration skills with both technical and non‑technical stakeholders. Foundational understanding of delinquency reasons and commitment to staying updated on industry best practices. Working at Neo Neo thrives on growth, ownership, and customer success. We value honesty, constructive input, and continuous support. Staff work across Calgary, Winnipeg, Toronto, and around the globe, driving results that directly impact customer experience. Equity is offered to all team members. You will collaborate cross‑functionally to innovate and maintain a high‑pressure, fast‑paced environment where your contributions matter. Apply With Us We are an equal‑opportunity employer. All candidates, including minorities, persons with disabilities, and veterans, are encouraged to apply. Candidates for this position will be required to undergo security screening, including a criminal records check and a credit check. By proceeding with your application you agree to our Candidate Privacy Notice which guides how we process your personal information. #J-18808-Ljbffr