Manager, Mortgage Funding

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

Reports to the Director, Quality Control & Reporting, we are looking for an exceptional, highly motivated Funding Manager to drive the daily operational execution and scaling of Neo’s mortgage business. As we continue to mature our capital model to a sophisticated whole loan sales and warehouse facility structure, this role will act as our primary operational gatekeeper.

This isn't a traditional, check-the-box mortgage funding role. You will sit at the crossroads of day-to-day loan production, external institutional capital partners, and our internal Finance and Treasury teams. You will have direct operational ownership over daily funding activities including funding requests, warehouse facility allocations, and collateral tracking—ensuring that every single mortgage file is flawlessly funded, tracked against facility limits where required, and efficiently managed from origination through to funding.

You will serve as the premier Subject Matter Expert (SME) for the entire mortgage funding process, overseeing the daily workflow, team productivity, and strict adherence to compliance and procedural guidelines. This is a high-leverage role designed for a details-obsessed operational heavyweight who loves optimizing high-volume workflows, understands the mechanics of facility draws, and thrives in a fast-paced tech-startup environment.

What you'll be doing

• Funding Gatekeeping & Closing Review: Oversee the final compliance review of executed closing packages. Complete higher-tier file approvals and review complex exception requests within delegated authority. Mitigate operational risk by ensuring all funding conditions, valid/enforceable securities, and identity verifications (IDV) are flawlessly cleared along with any other lawyer documents that are required..
• Third-Party & Solicitor Liaison: Serve as the primary operational point of escalation for external settlement agents, solicitors, Title Insurance providers (FCT), and law firms from the initial instruction stage through to final wire disbursement. Act as a point person for any Post-Fund related matters.
• Warehouse Allocation & Facility Drawdowns: Manage the daily operational mechanics of requesting draws from our warehouse lenders. Ensure every bridge or whole loan is accurately allocated to the correct credit facility based on specific investor purchase and time-hold parameters.
• Facility Limit & Covenant Monitoring: Monitor daily pipeline volume against warehouse facility concentration and liquidity limits (e.g., geographic restrictions, loan types, credit score) to ensure strict compliance before files are finalized for funding.
• Treasury Connective Tissue: Partner directly with the internal Treasury team by providing real-time morning funding forecasts.
• Finance & Accounting Partnership: Act as the main operational point-of-contact for corporate Finance to reconcile daily wire activities, warehouse drawdowns, facility fees, and loan origination fees. Support the tracking of the loan cost-basis for clean, aggregated pool delivery to secondary investors.
• Team Leadership & Scale: Direct, mentor, and coach the team of Funding Coordinators. Establish clear performance standards, support defined Service Level Agreements (SLAs), track funding metrics, and own the training/onboarding process to scale our processing throughput at tech-startup velocity.

Who we are looking for

• The Experience: A minimum of 5 years of progressive experience in mortgage funding operations, or a Closing Service provider environment within the Canadian mortgage industry. Must possess at least 2–3 years of direct leadership or team management experience. Direct, hands-on exposure to warehouse line operations, loan funding allocations, or investor pool adjustments is considered an asset.
• The Mindset: You are an operational builder who takes complete ownership and accountability for your work. You possess an eagle-eye focus that can catch a single discrepancy on a complex Closing documents, payout statement, or wire instruction.
• Technical & Operational Mastery: Deep, unshakeable knowledge of Canadian mortgage funding mechanics, and security enforcement. Highly proficient with modern Loan Origination Systems (LOS), Salesforce CRM workflows, banking wire portals, and pipeline tracking spreadsheets.
• Risk & Fraud Awareness: Maintain a highly mindful awareness of fraud, misrepresentation, and Know Your Customer (KYC/AML) risk indicators within the mortgage ecosystem, responding to and escalating concerns seamlessly with internal risk teams.
• Collaborative Force: Exceptional verbal and written communication skills. You can easily bridge the gap between fast-moving sales/underwriting teams and meticulous, risk-focused internal Finance, legal, and Treasury partners.
• Bias for Action: You don't wait for a playbook; you write it. You possess the capacity to manage multiple concurrent deadlines, handle intense volume pressure, and remain highly effective in a constantly changing environment.

🚀 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 equity — 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 (Where Eligible): 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.

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

📈 For eligible roles, 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.

At Neo, ownership is part of how we think and operate. For select roles, equity participation reinforces that mindset by giving employees a direct stake in the company’s long-term success. Regardless of role, every team member is expected to think like an owner and make decisions that move the business forward.

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.