Data Scientist

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 expanding 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 Fastest Growing Company in Canada for 2024 by Globe & Mail 
• Deloitte’s Fast 50 in Canada Winner for 2023 and 2024
• LinkedIn’s Top Startup in Canada for 2022 and 2023
• Top-ranked mobile apps and credit cards
• Team of 700+ people
• 1M+ customers 
• 10K+ retail partners

The Role

Neo Financial seeks a motivated Intermediate Data Scientist with a focus in credit risk modeling to join our dynamic and high-performing Data Science team. In this role, you will contribute directly to Neo's mission of building a better financial future for all Canadians by applying data science principles within a rapidly scaling fintech environment. This position offers a significant opportunity for professional growth, allowing you to develop your technical skills and gain practical experience by tackling complex business challenges. You will collaborate closely with experienced professionals, contributing to impactful projects while embodying Neo's core values of Teamwork, Ownership, and Professional Integrity.

What you'll be doing:

• Monitor existing credit risk models for performance deterioration
• Redevelop existing credit risk models with more recent data and business changes or performance deterioration
• Ensure any updated model still fits business usage and assist in analysis of downstream impact
• Develop new ML models based on credit risk’s business needs
• Documentation of updated or newly developed models for business audience
• Enhancing model explainability and business trust
• Establishing rigorous model validation frameworks (e.g., OOT validation, temporal splits, cross-validation) to ensure high model quality and generalization
• Partnering with business teams to ensure models are solving real business problems and delivering commercial value

Who we are looking for:

• An intermediate-level Data Scientist with a focus in credit risk modeling with 2+ years relevant experience, who has proven success developing ML models for financial fraud and/or losses, with an emphasis on reducing credit loss
• Technical expertise with Python (including pandas, scikit-learn), and tree-based/ML modeling (Random forest, XGBoost)
• Strong ML validation testing, such as OOT testing, and robust backtesting.
• Ability to explain, present and document models in a business friendly way
• A pragmatic, business-first mindset — someone who can move fast, prioritize delivering value in days/weeks (not months), and thrive in an ambiguous, fast-paced environment
• Experience with Git and Sagemaker is a plus

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 do our best work for our customers. Our commitment to customer success drives everything we do, from building intuitive 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 continuous support. 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. As we evolve rapidly, we’re looking for change-makers who thrive on challenge—people who would rather blaze a trail through uncertainty than follow a well-paved path.

All team members have a stake in Neo’s success and earn meaningful equity through stock options. This ownership mindset is at the heart of everything we do — when Neo grows, we all grow. If you’ve heard that Neo employees work hard, it’s true. We hold ourselves accountable for delivering on our commitments to our customers, partners, and each other. Working at Neo means taking ownership of your work and driving results, knowing that your contributions directly impact the company’s success. 

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.