Credit Risk Monitoring Specialist

Top-ranked mobile apps and credit cards

• 1M+ customers
• We are seeking a Senior Analyst, Credit Risk to join our Adjudications team. In this pivotal, data-driven role, you will be the expert 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.
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.
Serve as the key liaison with the Credit Operations team, ensuring seamless execution and monitoring of all new strategies.
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 pro-active risk management planning and policy development.

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.
Communication: Exceptional stakeholder management and collaboration skills, with the ability to clearly articulate complex risk findings to non-technical partners.
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. All team members have a stake in Neo’s success and earn meaningful equity through stock options. We hold ourselves accountable for delivering on our commitments to our customers, partners, and each other. 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; If you require further information regarding our data processing practices, please contact us.