Come Build a Better Financial Future for all Canadians

At Neo, we're building a more rewarding financial experience for all Canadians.

Life at a rapidly expanding tech startup is demanding, exhilarating, and not for everyone.

From world-class creative minds to brilliant engineers, it's high-performing people that make Neo a workplace with passion and purpose.

Since being founded in 2019, Neo has built incredible traction and is one of the fastest growing fintechs in Canada.

• Fastest growing company in Canada 3 times from 2022-2025
• Top-ranked mobile apps and credit cards
• Canada's top-rated credit card
• Team of 700+ people
• 1M+ customers in 3 years
• 11K+ retail partners

The Honest Version of This Job

Neo has over a million customers. What happens after they sign up is one of the most important and least understood parts of the business.

Cohort performance, retention curves, LTV trajectories, the behaviors that predict long-term value versus early churn — this analysis exists in fragments. Nobody owns it in a coherent way. The decisions about what to build next, what to offer whom, and where to invest in the customer relationship are being made without the analytical foundation they deserve.

This role builds that foundation. You'll be the person who understands Neo's customers better than anyone else in the company, and you'll make sure that understanding actually shapes what the business does.

What You're Walking Into

The lifecycle analytics function is nascent. You're building it from scratch, which means high ambiguity and high impact. You'll report to the CMO and work closely with product, marketing, and finance teams who all have a stake in what you find.

Neo's data infrastructure is strong. Snowflake is the foundation and the raw material is there. What's missing is the analytical layer that turns customer behavior data into a clear picture of what drives value and what drives churn.

You won't manage a team. The insights you surface will directly inform the decisions of a much larger group. The accountability is real in both directions.

What This Job Actually Requires

You think in cohorts. You look at a customer base and immediately want to know how different acquisition vintages are behaving, where the curves diverge, and what the data says about why. This isn't a skill you're developing. It's how you naturally see the problem.

You're obsessed with LTV, not just acquisition. A lot of companies optimize hard for getting customers in the door and have a thin understanding of what happens next. You're the correction to that. You care deeply about whether the customers Neo is acquiring are the right customers, and you have the analytical tools to answer that question rigorously.

You connect data to decisions. The analysis is only valuable if it changes what the team does. You follow insights through to action — into product conversations, into lifecycle marketing strategy, into retention initiatives. You're not satisfied with a finding that sits in a slide.

You've worked in a consumer business with real transaction and behavior data. The complexity of lifecycle analytics in a financial services context — multiple products, different engagement patterns, regulatory constraints on data use — is specific. You've worked somewhere with comparable complexity and you know how to navigate it.

What We're Not Looking For

Someone who treats LTV as a formula to fill in rather than a question to investigate. The numbers matter less than the understanding behind them.

Someone who operates in a silo. Lifecycle analytics at Neo sits at the intersection of marketing, product, and finance. If you prefer to work independently and hand over outputs, the role will underperform. The job requires pulling people into the findings and building shared understanding.

Someone without consumer behavior data experience. Academic or purely financial modeling backgrounds don't map well here. We need someone who has worked with real behavioral data at scale and understands its messiness.

The Compensation Reality

A competitive base salary. A cash-based STIP tied to company performance and individual impact. Meaningful equity with long-term upside tied directly to Neo's growth.

The Basics

• 7+ years in lifecycle, retention, or customer analytics with hands-on data work
• Strong proficiency in SQL; experience with Snowflake is a plus
• Experience with cohort analysis and LTV modeling in a consumer business
• B2C or consumer tech background
• Based in Canada; we work in-person

About Neo

Neo Financial was founded in 2019 with a straightforward idea: Canadians deserve better. Better products, better rates, better tools for building credit and growing wealth. We've built a team of 700+ people, partnered with 10,000+ retailers, and grown to serve over one million Canadians. We're just getting started.

We believe in equal opportunity and are committed to creating an inclusive environment where everyone can thrive. Successful candidates will be required to undergo a security screening, including a criminal records check and a credit check.

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