Job Description

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 of 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 defence 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 products
A business leader with strong experience building and scaling a risk team
Experience overseeing complex projects through completion
Entrepreneurial DNA - comfortable building a business from the ground up, making decisions in the face of ambiguity (but make data-driven decisions when possible) and dealing with major challenges along the way with poise
Strategic thinker with a strong ‘business sense’
Excellent EQ - managing relationships with a large external network of partners, as well as building and managing an internal team
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 services for the better. If that’s what you’re looking for, read on.
We trust, respect, and show up for each other. That means truthful conversations, frequent feedback, and working with people who push you to be your best. We’re evolving quickly as an organization, we work together in person, and the pace of progress isn’t for everyone. That’s why we’re looking for change-makers who love a challenge — who would rather blaze a trail through uncertainty than travel a well-paved road.
Our team members earn meaningful equity in the company through stock options — so Neo’s growth benefits everyone who helps make it happen. That also means taking on more responsibility than you may have had at your last job. We don’t get hung up on job titles or hierarchy — we’re focused on doing what it takes to accomplish our mission.
Check out these videos from our employees to learn more about Working at Neo.
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.

Job Tags

Temporary work,

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Director of Credit Risk and Collections Job at Neo Financial, Toronto, ON

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