Senior Financial Analyst, Accounting

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.

• 1M+ customers
• 10K+ retail partners
• Top-ranked mobile apps and credit cards
• Team of 700+ people

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.

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 IT general controls (ITGCs) and IT 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

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. We primarily collaborate in person across our Calgary, Winnipeg, and Toronto offices. 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.

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