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Added 5 months ago
C
Software Engineer – Cloud & Python
Citi
Remote, Canada
- Full-time
- Remote
…product development teams. This expansion focuses on leveraging Python for analytics, hosting new data platforms, and building robust monitoring and observability capabilities. We are…
Added 5 months ago
C++ Developer
Glint Tech Solutions LLC
Toronto, Ontario
Glint Tech Solutions is hiring a C++ Developer for Toronto, Canada!
Added 2 months ago
V
Specialist, Data Quality Developer
Vale
Toronto, ON
- Full-time
…United Kingdom, and Japan. We invite you to use your skills with us and contribute to something meaningful and…
Added 2 months ago
V
Specialist, Data Custodian
Vale
Toronto, ON
- Full-time
…United Kingdom, and Japan. We invite you to use your skills with us and contribute to something meaningful and…
Added 5 months ago
M
Director, Data Science
Mastercard
Toronto, Ontario
- Full-time
Proficiency in Python, ML frameworks (Scikit-learn, PyTorch, TensorFlow), SQL, Spark, and Azure ML/Snowflake.
Added 5 months ago
B
Senior Software Developer - Cloud Platform
BlueCat
Toronto, ON
- Full-time
You’ll work primarily with fully asynchronous modern Python and Golang coroutines, but we are strong believers in using the right tool for the job, making use of other languages where it…
Added 5 months ago
Senior Python Developer
Glint Tech Solutions LLC
Toronto, Ontario
We are seeking a hands-on, self-directed Senior Python Developer to support delivery within the Total Fund Management Portfolio Management Technology team. This role demands high autonomy,…
Added 5 months ago
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AI Application QA Specialist
Fortinet
Burnaby, British Columbia
- Full-time
Familiarity with AI‑assisted workflows (LLMs, prompt engineering, evaluation pipelines) and common data tools (for example, SQL, Excel, or notebooks).
Added 5 months ago
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Software Developer
ShyftLabs
Toronto, Ontario
- Full-time
We at ShyftLabs are seeking a highly motivated and curious Software Developer to join our growing engineering team. This role is ideal for young professionals who are excited to learn,…
Added 5 months ago
Full Stack Developer
First West
Langley (District), BC · Langley, BC
The Full Stack Developer designs, develops, and maintains scalable web applications and robust APIs that support Tru Cooperative Bank’s digital ecosystem. This role requires proficiency in…
Added 5 months ago
IN
Senior Data Engineer
IKO North America
Mississauga, Ontario
- Full-time
…building materials. IKO is a Canadian owned and operated business with production facilities worldwide and has many years of unparalleled success in the roofing materials industry. Quality,…
Added 5 months ago
ML
Enterprise Application Developer
McMillan LLP
Toronto, Ontario
- Full-time
The Enterprise Application Developer is responsible for defining, designing, developing, integrating, testing, documenting and deploying solutions for assigned projects and tasks. The…
Added 5 months ago
NF
Senior Analyst, Credit Risk (Future Opportunities)
Neo Financial
Calgary, Alberta · Toronto, Ontario
- $70,000 to $110,000 CAD / year
- Full-time
Technical Expertise: Proven ability to use advanced data analysis tools (SQL, Python/R, or similar) to extract, manipulate, and analyze large datasets.
Added 5 months ago
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Senior Data Engineer
NimbleRx
Toronto, Ontario
- Full-time
Deep Python (PySpark) and SQL fluency, including tuning Spark jobs at scale
Added 5 months ago
Senior Data Platform Engineer
Helcim Inc
Calgary, Alberta
Technology Stack: We use BigQuery, dbt, Airflow, and Airbyte as our data warehousing technologies and SQL + Python as our programming languages
Added 2 months ago
Technical Analyst (Equities)
Scotiabank
Toronto, ON
Intermediate proficiency in Python, with the ability to independently run, modify, and troubleshoot scripts or test setups
Added 5 months ago
TG
Senior Analyst, Quantitative Model Validation (Model Vetting)
TMX Group
Toronto, Ontario · Montreal, Quebec
- $100,000 to $130,000 CAD / year
- Full-time
…Management framework and an essential piece to ensure compliance with Regulatory Requirements around independent validation of risk models and…
Added 5 months ago
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Specialist, Geological database
Vale
Toronto, Ontario
- Full-time
Proficiency with relational database concepts and query practices (e.g., SQL fundamentals, data validation logic, troubleshooting data issues).
Added 5 months ago
AF
Automation, Controls & IIoT Engineer
Armstrong Fluid Technology
Toronto, Ontario
- Full-time
Knowledge of Industrial IoT platforms, data acquisition systems, analytics, SQL, Python, Power BI, or similar tools.
Added 2 months ago
Software Engineer (Java)
Scotiabank
Toronto, Ontario
5 + years Database development with Oracle, Sybase, PL/SQL etc.
Added 5 months ago
PC
SAP AI Solution Architect
Parkland Corporation
Calgary, Alberta
- Full-time
Proficiency in Python, JavaScript, SQL, and working with APIs and data formats (JSON, YAML).
Added 5 months ago
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Senior Software Developer
Stantec
Edmonton, AB
- Full-time
We are seeking a seasoned Senior Full Stack Developer to join our engineering team. This role is designed for a technical powerhouse who excels in building modern web applications,…
Added 5 months ago
Développeur de Logiciels / Software Developer
Tower Research Capital
Montreal, Quebec
Solide expérience avec les systèmes de base de données tels que SQL, NoSQL et vector
Added 4 months ago
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Senior Specialist, Data Modeler (Microsoft
Vale
Toronto, Ontario
- Full-time
You bring strong technical proficiency in SQL Server, Azure Data Factory, Databricks, and ETL frameworks, with proven experience building end-to-end pipelines, scalable data models, and…
Added 5 months ago
S
Senior Site Reliability Engineer
SimCorp
Toronto, Ontario
- Full-time
Support build, application maintenance, and scaling of incubated products (e.g., Qlik, Tosca, BI, SQL Developer, Python/Java solutions)

Neo Financial

Senior Analyst, Credit Risk (Future Opportunities)

Calgary, AB, Canada
Toronto, ON, Canada

$70,000 to $110,000 CAD / year · Full-time

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Job details

Pay: $70,000 to $110,000 CAD / year
Job type: Full-time
Posting language: English
Posted: May 28, 2026

Original job description

Join us to build a more rewarding financial future for all Canadians

At Neo, we’re on a mission to build a more rewarding financial future for all Canadians. Life at a rapidly scaling tech startup isn’t for everyone. It’s complex, fast-paced, high-pressure, but also incredibly fulfilling. Since its founding in 2019, Neo has gained incredible traction and is one of the fastest-growing fintech companies in Canada.

#1 on Deloitte’s Technology Fast 50 for 2023, 2024, and 2025 - the first company ever to achieve a three-peat at the top!
#1 Fastest Growing Company in Canada for 2024 by Globe & Mail
Top-ranked mobile apps and credit cards
Team of 500+ people
1M+ customers
10K+ retail partners

PLEASE NOTE: We are actively recruiting for this position and building a pipeline of top-tier talent. While we may not have an immediate start date, we are looking for exceptional candidates to join our team for future hiring needs as we continue to scale.

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 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 (DTI) ratio thresholds, and income requirements.
- Develop initial credit line assignment strategies and oversee logic within automated decisioning systems (in-house or vendor platforms) to ensure accurate, real-time approve/decline decisions.
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.
- Conduct vintage analysis (e.g., comparing Q1 2025 to Q1 2024 performance) by monitoring key delinquency rates, including First Payment Default (FPD), 30+ & 60+ DPD, and Charge Off rates.
- Maintain all operational reporting to track performance of strategies against internal forecasts, ensuring no consistent breaches in credit risk KPIs.
- Develop insightful analysis to actively monitor portfolio performance and drive actionable outcomes.
Operational Execution & Collaboration
- Serve as the key liaison with the 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 (Product, Engineering, Finance, Growth) 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.

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

As Neo continues to grow, we’re committed to offering a competitive, market-leading rewards program that reflects the impact our team members make. In addition to salary, our program includes equity - empowering employees to share directly in our momentum today and in the meaningful value we create for years to come.

Salary: We provide a strong base salary aligned with market ranges, along with the flexibility to tailor your mix of cash and equity to match your longer term goals. Final compensation is based on your skills, experience, and scope. For exceptional talent, we’re prepared to go above and beyond.
Equity Ownership (Where Eligible): At Neo, you don’t just work here, you own a piece of what we’re building. As a full-time team member, you share directly in the upside of one of Canada’s fastest-growing companies. When we win, you win - with real ownership and meaningful long-term wealth-building potential tied to our success.

What does life as an Owner at Neo Include?

🇨🇦 You will redefine the financial landscape with top talent in Canada to help everyday Canadians win, and grow quickly while doing it

📈 For eligible roles, ownership structure that enables you to share in our path to victory

🏅Earn BIG with our short term incentive plans (STIP)

👥 Collaborating with the brightest minds to build something meaningful, united by a shared commitment to innovation, curiosity, and excellence

❤️‍🩹 Flexible health benefits & life insurance

🌴 21 Days PTO + stat holidays, and personal leave

💪 Health & personal spending accounts

🤑 A wide variety of discounts through our partner network

🏠 Access to early use of products and discounts on fixed-term Neo mortgages

👶 Parental top-up & equity vesting during long term leave

🎉 Neo night events

🧠 Company wide huddles, and education

Working at Neo:

The people who thrive at Neo are resourceful, growth-oriented, and driven to win. We hold ourselves to high standards because we’re on a mission that matters: to build a more rewarding financial future for all Canadians. As individuals and as a team, we constantly challenge ourselves and each other to raise the bar and deliver exceptional experiences for our customers. Our commitment to customer success drives everything we do, from building world-class products to providing exceptional support at every step of their journey. If this resonates with you, keep reading.

We trust, respect, and support each other. This means honest conversations, constructive input, and empowering each other to move fast and think big. You’ll be surrounded by people who push you to be your best. We primarily collaborate in person across our Calgary, Winnipeg, and Toronto offices, where ideas move quickly and teams build momentum together. As we continue to scale and evolve, we’re looking for builders, innovators, and problem solvers who thrive on challenge–people who would rather blaze a trail through uncertainty than follow a well-paved path.

At Neo, ownership is part of how we think and operate. For select roles, equity participation reinforces that mindset by giving employees a direct stake in the company’s long-term success. Regardless of role, every team member is expected to think like an owner and make decisions that move the business forward.

Apply with us:

We believe in equal opportunity and are committed to creating an inclusive climate where everyone can thrive. Customers trust us with their finances, so successful candidates for this position will be required to undergo a security screening, including a criminal records check and a credit check.

By continuing with your application, you agree to the Candidate Privacy Notice, which guides how we process your personal information for the purpose of your application.

Neo Financial leverages artificial intelligence (AI) to reinforce our candidate evaluation process, including the initial assessment of applications and screening of candidates. These tools support our recruitment team; however, all final hiring decisions are made by humans and are not based exclusively on automated processing. If you require further information regarding our data processing practices, please contact us.

We are hiring for an open, vacant position.

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More about this job

Responsibilities

Design and optimize customer acquisition strategies and credit adjudication policies to drive growth while managing risk. Monitor portfolio performance using advanced analytics and machine learning to ensure regulatory compliance and KPI adherence.

Requirements

Requires 3+ years of experience in credit risk or portfolio management within fintech or financial services. Must be proficient in SQL, Python, or R and possess a deep understanding of the consumer credit lifecycle.

Skills

Credit Risk Strategy
Portfolio Management
SQL
Python
R
Machine Learning
Vintage Analysis
Credit Adjudication
Underwriting
Data Analysis
Stakeholder Management
Regulatory Compliance
Risk Modeling
Credit Lifecycle Management
Automated Decisioning Systems
Financial Analytics

Benefits

Equity Ownership
Short Term Incentive Plans (STIP)
Flexible Health Benefits
Life Insurance
21 Days PTO
Stat Holidays
Personal Leave
Health Spending Account
Personal Spending Account
Partner Network Discounts
Neo Mortgage Discounts
Parental Top-up

Visa sponsorship

Not detected in the job text

Keywords

Credit Risk
Fintech
Machine Learning
SQL
Python
R
Vintage Analysis
First Payment Default
DPD
Charge Off Rates
Debt-to-Income
Underwriting
Credit Scoring
Portfolio Monitoring
Credit Lifecycle
Risk Management
Regulatory Compliance
Automated Decisioning
Financial Services
Data Analytics

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