Director, Credit Risk

**_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**

We’re looking for a Director, Credit Risk and Collections to work with the leadership team to continue building and scaling the business through our next phases of growth.

**What you’ll be doing**
- Oversee the strategy and execution of Neo’s one or more of Neo’s consumer credit risk functions in order to effectively enable sound strategies to manage risk and profitability.
- Identify opportunities to grow our lending businesses, including growth and optimization of existing products, new card launches, and new lending product development.
- Work closely with Credit Risk and Collections internal counterparties (Products, Tech, Growth, Finance) to ensure that policies and strategies are aligned with Neo’s corporate goals
- Develop and oversee the creation of credit risk and lending models, tools, systems, and processes to enable effective and scalable decision-making throughout the company, providing critical risk information and insights to all relevant stakeholders (Board, investors, CEO, senior management team, etc.)
- Identify and ensure the development & maintenance of the required operational reporting to ensure tracking of the performance of our credit risk and collections strategies relative to internal targets and external benchmarks
- Manage relationships with credit risk counterparts at Neo’s third party funders, cultivating trust and strong working relationships needed for Neo to achieve its growth objectives
- Develop and maintain a strong interaction with 2nd and 3rd lines of defense in complying with Neo’s risk appetite.
- Grow Neo's capabilities in industry leading risk management practices by staying up to date on emerging trends and technologies and adopting them where appropriate
- Work with the management team to develop and execute corporate strategy and business plans to ensure that the company attains its short and long-term growth objectives
- Provide a risk lens and thought leadership on strategic opportunities to grow and scale the business that balances Neo’s growth objectives with its risk tolerance
- Manage all credit risk and loss mitigation strategies and operations for the company, ensuring effective end to end lifecycle management of our customers
- Lead the development and oversight of strategic initiatives that enhance credit risk management performance
- Manage and support cross functional initiatives, including large scale implementations, to ensure projects have adequate credit risk representation and leadership
- Evaluate, improve and help build cross-company processes that are efficient and scalable; assist with crafting and realizing company policies and procedures that institutionalize proper controls
- Collaboration with key stakeholders across the organization to integrate foundational risk practices
- Represent Neo and its interest across industry consortiums and working groups

**Who we are looking for**
- A minimum of 7 years of extensive senior leadership experience in leading and developing consumer credit risk functions at a fast-growing organization, preferably within the tech space
- Extensive knowledge of and experience with consumer credit risk management and loss mitigation
- Excellent communication skills; ability to develop concise summaries of complex analyses and data appropriate for various levels of consumption ranging from board members to team members across the company
- Commercial orientation with P&L understanding of Consumer lending pr