Senior Financial Analyst, Accounting

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*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 scaling 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 on Deloitte’s Technology Fast 50 for 2023, 2024, and 2025 — the first company ever to achieve a three-peat at the top!
• #1 Fastest Growing Company in Canada for 2024 by Globe & Mail
• Top-ranked mobile apps and credit cards
• Team of 500+ people
• 1M+ customers
• 10K+ retail partners

The Role

We 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 month-end close and financial reporting processes while also providing deep financial analysis to support decision-making. This role bridges traditional accounting with forward-looking 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 cross-functional partners in Product, Growth, and Operations. This is an exciting opportunity for a detail-oriented professional who thrives in a fast-paced, high-growth environment and brings a strong financial acumen and a passion for the FinTech space to contribute significantly to our strategic decision-making and continued success.

What you'll be doing:

Accounting & Reporting

• Support month-end, quarter-end, and year-end 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 sub-ledgers (loan originations, interest accruals, charge-offs, recoveries).
• Contribute to audit support, working with external auditors and regulators.

Financial Analysis

• Analyze 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 forward-looking insights.

Process & Systems

• Assist 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 Company’s 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 Company’s financial statements.

Tax

• Support the Company’s 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.

Collaboration

• Work closely with cross-functional 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 IFRS 9 and ASPE 3856 (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 problem-solving 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 non-finance stakeholders
• Attention to Detail: Meticulous attention to detail and a high level of accuracy in all financial work
• Proactiveness: Self-starter with the ability to work independently and collaboratively in a fast-paced, 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

🚀 Total Rewards Overview

As Neo continues to grow, we’re committed to offering a competitive, market-leading rewards program that reflects the impact our team members make. In addition to salary, our program includes both short and long-term incentives, empowering employees to share directly in our momentum today and in the meaningful value we create for years to come.

• Salary: We provide a strong base salary aligned with market ranges, along with the flexibility to tailor your mix of cash and equity to match your longer term goals. Final compensation is based on your skills, experience, and scope. For exceptional talent, we’re prepared to go above and beyond.
• Equity Ownership: At Neo, you don’t just work here, you own a piece of what we’re building. As a full-time team member, you share directly in the upside of one of Canada’s fastest-growing companies. When we win, you win — with real ownership and meaningful long-term wealth-building potential tied to our success.
• Short Term Incentive Plans (STIP): Our performance-based bonus program is tied directly to company KPIs. When we execute and deliver results, you’re rewarded with payouts that scale based on both company performance and your individual impact.

What does life as an Owner at Neo Include?

🇨🇦 You will redefine the financial landscape with top talent in Canada to help everyday Canadians win, and grow quickly while doing it

📈 Ownership structure that enables you to share in our path to victory

🏅Earn BIG with our short term incentive plans (STIP)

👥 Collaborating with the brightest minds to build something meaningful, united by a shared commitment to innovation, curiosity, and excellence

❤️‍🩹 Flexible health benefits & life insurance

🌴 21 Days PTO + stat holidays, and personal leave

💪 Health & personal spending accounts

🤑 A wide variety of discounts through our partner network

🏠 Access to early use of products and discounts on fixed-term Neo mortgages

👶 Parental top-up & equity vesting during long term leave

🎉 Neo night events

🧠 Company wide huddles, and education

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 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. If this resonates with you, keep reading.

We trust, respect, and support each other. This means honest conversations, constructive input, and empowering each other to move fast and think big. 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, where ideas move quickly and teams build momentum together. As we continue to scale and evolve, we’re looking for builders, innovators, and problem solvers 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.

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; however, all final hiring decisions are made by humans and are not based exclusively on automated processing. If you require further information regarding our data processing practices, please contact us.

We are hiring for an open, vacant position.