Portfolio Risk Analytics Lead
F
FlexFintech / Banking
Remote / USAFull-TimeLead
Salary$150,000 - $250,000 a year
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Job Details
- Experience
- 7–15 years
- Required Skills
- PythonSQLData AnalysisR
Requirements
- 7–15 years of hands-on credit card risk analytics experience across consumer and small business segments.
- Direct exposure to both a bank or bank-issued program and a fintech lender is strongly preferred.
- Deep subject matter expertise in credit card metrics: vintage curves, roll rates, loss forecasting, and utilization dynamics.
- Analytically self-sufficient: proficient in SQL and Python or R.
- Comfortable working with large and messy datasets and building from raw data.
- Understanding of SMB credit demands: cash flow seasonality and the limitations of bureau data for thin-file entities.
- High quantitative aptitude with the ability to identify anomalies early.
- Ability to operate at a senior level, bring a clear point of view, and challenge assumptions.
Responsibilities
- Own end-to-end portfolio risk analytics for the credit card book, covering the full lifecycle from pre-acquisition through charge-off.
- Build and maintain early warning frameworks to surface emerging credit deterioration before it appears in lagging indicators.
- Synthesize data across financial, behavioral, and macro sources to construct a coherent view of portfolio health.
- Design analytical narratives and present findings to credit committees and senior leadership.
- Develop credit risk segmentation to enable precise limit management, pricing, and loss reserve calibration.
- Partner with Underwriting, Engineering, Product, and Finance to embed portfolio risk visibility into upstream decisions.
- Contribute to stress testing and scenario analysis to estimate exposure and loss under adverse conditions.
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