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Neo Financial is Canada's fastest-growing fintech company (ranked #1 on Deloitte's Technology Fast 50 for three consecutive years, 2023–2025) with 500+ employees, 1M+ customers, and 10K+ retail partners. The company is building a more rewarding financial future for Canadians through innovative mobile apps, credit cards, and lending products.
As Senior Director, Credit Risk, you will report directly to the Chief Credit Risk Officer and lead the strategic oversight and execution of Existing Customer Management (ECM) and Collections Strategies functions. You will balance business growth objectives with prudent risk governance, ensuring credit policies, portfolio management methods, and collections strategies remain resilient and responsive to macroeconomic conditions.
Key Responsibilities:
Strategy & Portfolio Management: Own existing customer risk across credit line management, overlimit rules, cash advances, and collections/recoveries. Manage real-time decisioning engines (automated rules, custom logic, third-party tools) that make approve/decline decisions for cardholders and borrowers. Lead test-and-learn agendas, designing and executing A/B tests and champion/challenger strategies to optimize portfolio yield and minimize credit losses. Serve as primary leader for credit bureau partner relationships (TransUnion, Equifax) regarding risk strategies, data feeds, and technical integrations.
Analytics, Modeling & Loss Forecasting: Partner with Data Analytics to build, validate, implement, and track custom credit risk scorecards. Support Credit Risk Portfolio Management in refining credit loss models, provisioning forecasts, and scenario-based stress testing. Create and maintain monthly executive dashboards tracking delinquency metrics (roll rates, 30+, 90+), utilization at charge-off, cure rates, and recovery yields.
Leadership & Cross-Functional Operations: Lead a team of high-performing risk strategists and analysts, driving continuous improvement through advanced analytics and testing frameworks. Work directly with Credit Operations to monitor delinquent population trends and oversee execution across collection buckets and Financial Solutions programs. Lead large-scale credit risk implementations across product, engineering, and compliance. Ensure 100% compliance across all risk controls, regulatory requirements, and committee meetings.
Requirements:
- 8+ years of progressive credit risk experience, with at least 3+ years in a senior leadership role overseeing ECM, credit line strategies, or collections analytics within retail banking, fintech, or consumer lending
- Deep hands-on experience with automated decisioning engines, loss forecasting models, credit bureau data, and scorecard implementation
- Expertise running A/B testing frameworks, evaluating roll rates (30+, 90+), and managing risk-adjusted interest margins across diverse credit products
- Solid understanding of credit policies, governance standards, and Canadian regulatory frameworks
- Demonstrated ability to build, mentor, and elevate analytical teams, fostering a culture of technical rigor, accountability, and continuous improvement
- Ability to adapt functional strategies quickly during economic shifts or operational disruptions while maintaining team momentum
- Confident representation of the risk function in front of C-suite executives, board committees, and external regulatory partners
- Active interest in discovering and implementing next-generation analytical software, machine learning tools, and decision systems
