Job Title

Join us to build a more rewarding financial future for all CanadiansAt Neo, were on a mission to build a more rewarding financial future for all Canadians. Life at a rapidly scaling tech startup isnt for everyone. Its complex, fastpaced, highpressure, but also incredibly fulfilling. Since its founding in 2019, Neo has gained incredible traction and is one of the fastestgrowing fintech companies in Canada.#1 on Deloittes Technology Fast 50 for 2023, 2024, and 2025 the first company ever to achieve a threepeat at the top!#1 Fastest Growing Company in Canada for 2024 by Globe & MailTop-ranked mobile apps and credit cardsTeam of 500+ people1M+ customers10K+ retail partnersThe RoleWe are seeking a highly motivated and analytical Senior Financial Analyst, Accounting to join our Finance team. Reporting to the Manager, Accounting, this role will support the monthend close and financial reporting processes while also providing deep financial analysis to support decisionmaking. This role bridges traditional accounting with forwardlooking analysis, ensuring the integrity of financial data and delivering insights on key areas such as business line performance, credit losses, and operational efficiency. The Senior Financial Analyst will work closely with both the Accounting and FP&A teams, as well as crossfunctional partners in Product, Growth, and Operations. This is an exciting opportunity for a detailoriented professional who thrives in a fastpaced, highgrowth environment and brings a strong financial acumen and a passion for the FinTech space to contribute significantly to our strategic decisionmaking and continued success.What you'll be doing:Accounting & ReportingSupport monthend, quarterend, and yearend close activities, including journal entries, reconciliations, and variance analysis.Assist with preparation of financial statements under ASPE, ensuring accuracy and compliance.Maintain and reconcile loan accounting subledgers (loan originations, interest accruals, chargeoffs, recoveries).Contribute to audit support, working with external auditors and regulators.Financial AnalysisAnalyze loan portfolio performance, including credit losses, delinquency trends, and net interest margin.Support the calculation and monitoring of expected credit losses.Provide insights on revenue, expense, and profitability drivers to management.Partner with FP&A to deliver variance analysis, scenario modeling, and forwardlooking insights.Process & SystemsAssist in implementing automation and process improvements in accounting workflows.Support system integrations between ERP and reporting tools.Help document and maintain accounting policies and procedures, especially as new products or lending features are introduced.Assist with establishing internal controls and process narratives around the Companys financial reporting and accounting functions. This includes advising on the design of information technology general controls (ITGCs) and information technology application controls (ITACs) applicable to the Companys financial statements.TaxSupport the Companys tax compliance function, including assisting with the preparation of tax working papers for corporate income tax and sales tax filings.Communicate directly with external tax consultants, as well as the Canadian Revenue Agency (CRA), on tax matters related to the Company.CollaborationWork closely with crossfunctional teams (Product, Growth, Operations) to ensure new initiatives are accurately reflected in accounting and reporting.Serve as a bridge between Accounting and FP&A, ensuring consistency of data and assumptions.Provide ad hoc analysis and reporting for senior management.Who we are looking for:Designation: CPA designation (or in final stages) preferred.Education: A university degree in Business, Finance or Accounting.Experience: 3-5 years of work experience in an analytical role, with preference given towards prior experience in Big 4.Technical Skills: Strong knowledge of ASPE / IFRS, particularly IFRS9 and ASPE3856 (Financial Instruments).Financial Modeling: Advanced Excel (e.g., pivot tables, VLOOKUPs, sumifs) and financial modeling skills; experience with BI/reporting tools an asset.Analytical Skills: Strong analytical and problemsolving skills with the ability to interpret complex data and translate it into actionable insights.Communication: Excellent written and verbal communication skills, with the ability to present complex financial information clearly and concisely to nonfinance stakeholders.Attention to Detail: Meticulous attention to detail and a high level of accuracy in all financial work.Proactiveness: Selfstarter with the ability to work independently and collaboratively in a fastpaced, dynamic environment.FinTech Interest: A genuine interest in the FinTech industry and an understanding of its unique financial drivers and challenges.Bonus points if you have:Experience with SQL or other data querying languages.Familiarity with the financial services industry.Experience in a company that has gone through a significant growth phase.