Portfolio Risk Analyst
Portfolio Risk Analyst
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Job Description
ABOUT HELCIM
Helcim was founded with a mission at heart: to be the worlds most loved payment system. We believe that by offering small businesses in North America a decidedly human payment solution where it is easier to sign up and use while being transparent and affordable we can empower them to grow and prosper. Simply put helping small businesses thrive is at the very core of our business model and we think thats a great way to do business.
From the very start we knew that we wanted to be different from every payment processor out there. We want the merchants we serve to feel supported and see us as a trusted partner rather than simply just another cost of doing business. We are relentless in our pursuit to provide a radically transparent and honest payments solution that flat out saves business owners money all while treating them like human beings.
THE POSITION
Helcim is searching for a Portfolio Risk Analyst to shape how we holistically monitor analyze and manage segments of merchants across our portfolios. You will be responsible for developing the analytical frameworks monitoring processes and strategic insights needed to balance risk and reward ensure portfolio health and support sustainable business growth in a dynamic market.
HERE ARE THE THINGS YOULL OWN DAY TO DAY
- Analyze data or utilize internal tools to monitor for trends or anomalous behavior to uncover underlying risk drivers and performance variations across segments of the merchant portfolio.
- Develop and implement a comprehensive portfolio monitoring framework tracking key credit risk (delinquency loss rates approvals) and fraud risk (attempt/success rates chargebacks false positives) metrics.
- Establish processes to identify measure and monitor portfolio concentrations against risk appetite thresholds.
- Analyze external factors including macroeconomic trends industry developments and regulatory changes integrating insights into portfolio risk assessments.
- Collaborate closely with Operations (Credit Fraud) and Technical teams (Data Science Engineering Product) teams to share insights gather feedback refine and refine the implementation of risk strategies / practices.
- Develop and deliver clear concise reporting on portfolio health risks and strategic recommendations to leadership and key stakeholders.
A SUCCESSFUL CANDIDATE HAS
- 5 years of experience in either portfolio risk management credit risk fraud risk or a similar applied analytics role within financial services fintech or quantitative field.
- Experience with SMB clients or data is an asset.
- Bachelors degree in a quantitative field such as Finance Economics Statistics Business or Engineering.
- Strong curiosity and problemsolving skills with the ability to operate independently navigate ambiguity and take ownership.
- Strong analytical and quantitative skills with proficiency in our analytics stack (SQL Python) or other related languages
- Experience with Metabase or other business intelligence applications
- Demonstrated ability to engage with crossfunctional teams and nontechnical stakeholders
HELCIM CULTURE IS;
Being builders: We build things ourselves and we build them well. We use technology and our creativity to overcome challenges that would seem beyond the capability of a company our size. We improve what is already there invent our way out of problems and we never stop dreaming of better.
Choosing the harder path: We believe that the right decisions are usually the harder ones so we embrace the challenge and endure when others quit. We choose what is difficult because it is more rewarding in the longterm and makes us resilient so that we not only survive but thrive.
Creating trust: We earn trust by striving to be our best selves every day and by lifting those around us. We recognize that trust is hard to earn easy to lose and is tested continuously over time so we make trust our way of life.
Contributing to a company of many: We are stronger because of our collective passion diversity and fellowship. We believe only great teams can accomplish great things and we ask the very best of each other. Together we create our own future.
WORKING AT HELCIM
Joining Helcim means joining a fastgrowing company where we have found coming together makes us a strong company. We have a drive to achieve big things which creates amazing opportunities for everyone willing to work hard and contribute to that growth opportunities for faster career growth for more learning more impact and accelerated experience all while surrounding yourself with incredible people working on interesting problems and delivering great results.
Here are some of the reasons we attract such great people:
The Way of the Helcim: At Helcim we build a team of engaged caring and intelligent people. In return we provide an environment where you can be excited to come to work each day and tackle these challenges with an amazing team. Learn more about Helcims unique culture and environment in our culture book The Way of the Helcim.
Health and dental benefits: Through our Group Benefits youll get access to dental benefits extended healthcare benefits for drugs vision paramedical coverage (e.g. massage therapists dieticians mental health professionals) counseling health service navigation life insurance critical illness and disability insurance and more. All of these benefits come into effect on Day 1 of employment!
Dedicated Health Spending Account (HSA): An additional budget available for you to spend on healthrelated expenses (e.g. eyeglasses therapy).
Maternity and Parental Leave: To help launch our team members into this phase of family life we have some additional benefits in place including salary top for the birthing parents and a bonding break for nonbirthing parents.
Stock Options: Stock options enable our team to purchase Helcim shares at a future date at a specified price. Every team member not just people leaders and executives receive equity (aka ownership in the company).
Vacation Time: All team members get paid vacation time and a company break in December so they can recharge when they need it.
Flexible work location: Work and life happens at different times and places. This is why our team enjoys the flexibility of hybrid work and flexibility around hours of work so we can all do our best work. Our hybrid work schedule offers flexibility to work from home on Tuesdays and Thursdays. Furthermore our core hours give team members flexibility to manage other parts of their lives.
Training: Helcim will cover 50% of the applicable training costs of up to $500 per year.
LOGISTICS
Job type: Fulltime
Hiring manager: Michael Nar
Location: Hybrid In Office Mondays Wednesdays Fridays
Candidates must be eligible to work in Canada and be located in Calgary for this position.
Required Experience:
Senior IC
Employment Type
Full-Time
