Director, Credit Risk Modelling

4 weeks ago

Calgary, Canada Neo Financial Full time

**_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**:
**What you'll be doing**:

- Plan, execute and report model validations; assess the quality of model data, and monitor the model performance
- Own the creation of risk strategies to effectively manage the lending portfolio and ensuring alignment with Neo’s business objectives
- Connect the dots between technical issues and risk contexts by demonstrating a deep understanding of the risk landscape and the ability to effectively manage conflicts while providing valuable insights.
- Develop and enhance credit risk policies and strategies using data analytics and statistical modeling
- Develop team’s capabilities to actively monitor performance and identify trends to enable strategic business decisions
- Provide leadership on the analysis risk profiles across the credit lifecycle, leveraging advanced analytics and machine learning to best identify exposure/opportunities
- Manage and support cross functional initiatives to ensure projects have adequate credit risk representation
- Drive continuous improvement to ensure credit risk strategies are effective and aligned
- Investigate and implement credit risk management tools and technologies that will both enhance and enable the team’s analytical capabilities
- Lead the development of business cases to enhance credit risk management performance
- Collaborate with key stakeholders across the organization to integrate foundational risk practices

**Who we're looking for**:

- You have 8+ years experience within credit risk management and a proven track record of developing and deploying credit risk models to drive critical business value
- You bring advanced knowledge of SQL, R and Python, and Solid knowledge of common practices in credit risk modeling, including expected loss (PD, LGD, EAD) methodologies
- You have experience building and deploying consumer retail credit models to enable adjudication, account management and collections strategies.
- You bring 5+ years of experience in leading risk management teams
- You have a post-Secondary education in a quantitative field preferred (Statistics, Mathematics, Economics, Business Administration, Computer Science, etc)
- You think strategically with the ability to see the big picture may be affected by risk strategies
- You have strong verbal and written communication skills with the ability to adapt communication to different audiences including senior management
- You proactively seek to improve processes, raising quality and productivity through efficiencies or by implementing best-in-class solutions
- You are data-driven; eager to understand the numbers and provide meaningful insights
- You take a collaborative approach and with the ability to engage purposely with stakeholders
- You have experience in a fast-paced environment where competing priorities, uncertain outcomes and iteration is the norm

**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 servic

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