Senior Director, Credit Risk/Lending

Role overview

Neo Financial is seeking a Senior Director, Credit Risk/Lending to partner with the leadership team in scaling the business through its next stage of growth. This role sits within a fast-moving fintech environment in Calgary and calls for a senior leader who can balance growth, profitability, and risk while helping shape consumer lending strategy.

The company was founded in 2019 and has grown rapidly, now serving more than 1 million customers with a team of 500+ and a network of 10,000+ retail partners. It has also been recognized among Canada’s fastest-growing technology companies and has top-ranked mobile apps and credit cards. The work environment is described as complex, high-pressure, and highly rewarding for people who enjoy building in a scaling startup.

Key responsibilities

• Direct the strategy and delivery of one or more consumer credit risk functions to support responsible growth and profitability.
• Spot opportunities to expand lending lines through product improvements, optimization of current offerings, new card launches, and fresh lending products.
• Work in close partnership with internal teams such as Products, Technology, Growth, Finance, Credit Risk, and Collections to keep policies and operating strategies aligned with company objectives.
• Create and supervise credit risk and lending models, tools, systems, and processes that support scalable decision-making across the organization.
• Prepare and maintain reporting that tracks credit risk and collections performance against internal goals and external comparisons.
• Build and manage relationships with third-party funding partners, fostering strong collaboration and trust.
• Maintain effective engagement with second- and third-line risk functions to stay within the company’s risk appetite.
• Advance Neo’s risk management maturity by monitoring industry trends, new approaches, and emerging technologies.
• Partner with leadership on corporate strategy and business plans that support both near-term and long-term growth targets.
• Provide strategic risk input on growth opportunities, ensuring the business scales in a way that remains within acceptable risk boundaries.
• Own credit risk and loss-mitigation strategy and operations across the full customer lifecycle.
• Lead strategic initiatives that improve credit risk management outcomes and support major cross-functional programs and implementations.
• Improve company processes, controls, policies, and procedures so they are efficient, scalable, and well-governed.
• Work with stakeholders across the company to embed foundational risk practices.
• Represent the company in industry groups, consortiums, and working forums.

Candidate profile

• At least 7 years of senior leadership experience building and leading consumer credit risk functions in a fast-growing business, ideally in the tech sector.
• Deep experience in consumer credit risk management and loss mitigation.
• Strong communication skills with the ability to simplify complex analysis for audiences ranging from board members to internal teams.
• Commercial mindset with understanding of P&L for consumer lending products.
• Proven ability to build, scale, and lead a risk team.
• Track record of delivering complex projects through to completion.
• Entrepreneurial mindset and comfort operating in ambiguity while making data-informed decisions.
• Strategic thinking with strong business judgment.
• High emotional intelligence and experience managing both external partner networks and internal teams.

Total rewards

Neo offers a market-competitive compensation package with flexibility in the balance between cash and equity. Final pay is based on skills, experience, and scope, and standout candidates may receive compensation above the standard range. Full-time employees may also participate in equity ownership where eligible.

• Base salary with flexibility to tailor cash and equity mix
• Equity ownership for eligible full-time team members
• Short-term incentive plans
• Flexible health benefits and life insurance
• 21 days of PTO plus statutory holidays and personal leave
• Health and personal spending accounts
• Partner discounts
• Early access to products and discounts on fixed-term Neo mortgages
• Parental top-up and equity vesting during extended leave
• Team events, company-wide huddles, and learning opportunities

Working at Neo

People who succeed at Neo are resourceful, ambitious, and driven to win. The company values high standards, customer focus, honest feedback, and a builder mindset. Teams primarily collaborate in person across the Calgary, Winnipeg, and Toronto offices.

Neo also emphasizes ownership thinking, innovation, curiosity, and excellence. Employees are expected to help move the business forward while working in a supportive, fast-paced environment.

Application and screening details

Neo is an equal-opportunity employer and is committed to an inclusive environment. Successful candidates for this position must complete security screening, which includes both a criminal records check and a credit check.

By applying, candidates agree to the Candidate Privacy Notice governing the use of personal information for recruitment purposes. Neo also uses artificial intelligence tools to support initial application review and candidate screening, but final hiring decisions are made by humans and are not based only on automated processing.

This is an open and currently vacant role.

Compensation range

The posted compensation range is CA$130K to CA$170K.

About the company

Neo Financial is one of Canada’s fastest-growing fintech companies, founded in 2019. It has achieved major recognition in technology growth rankings and continues to expand its product and partner ecosystem across Canada.