Dir, Risk Management – Portfolio Analytics

Job Title: Dir Risk Management Portfolio Analytics

Reports To: SVP Risk Collections Strategy Analysis

FLSA Status: Exempt

Department: Risk

JOB SUMMARY: Responsible for leading portfolio analytics portfolio performance monitoring and enterprise loss forecasting to support strategic decision-making. Analyzes portfolio performance credit trends and portfolio health to inform senior leadership and capital markets activities including performance reporting and due diligence. Provides advanced analytics forecasts dashboards and executive-level insights related to loan performance collections and portfolio strategy.

ESSENTIAL JOB FUNCTIONS:

Loss Forecasting

• Own short-term and long-term loss forecasting for collections and the broader loan portfolio including delinquency forecasts expected loss projections and roll-rate models.
• Analyze variances and drivers of loss performance providing explanations and recommended mitigation strategies.
• Build and update vintage-level performance forecasts expected lifetime loss curves and stress-scenario modeling.

Capital Markets & Investor Reporting

• Support capital markets activities including performance reporting/analysis for credit facilities warehouse lines forward flow partners and securitization structures.
• Lead data preparation analytics and presentations for lender audits investor due diligence and periodic covenant reporting.
• Collaborate with and provide analytical support to Finance Treasury and Capital Markets teams related to collateral reporting deal triggers eligibility tests and risk disclosures.
• Provide analysis and insight to external financing partners (banks audit firms investors) related to loan performance loss expectations and portfolio strategy.

Cross-Functional Leadership & Execution

• Develop internal presentations for Executive Leadership summarizing portfolio trends loss expectations and credit insights.
• Collaborate with Engineering and Product to implement automation and data-driven technology solutions.
• Leverage MySQL Tableau and other BI tools to deliver fast accurate data-driven insights.

MINIMUM QUALIFICATIONS: To perform this job successfully an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the minimum knowledge skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

• Bachelors degree in a quantitative field (Mathematics Statistics Economics Finance Data Science etc.) preferred.
• 10 years of experience in consumer lending analytics credit risk or portfolio risk management.
• 5 years of experience in loss forecasting
• Expertise working with large complex datasets and transforming them into actionable insights.

COMPETENCIES:

• Customer Service: Exceptional attitude and a passion for providing outstanding service to internal customers.
• Strategic Analytics & Risk Insight: Applies advanced analytics to assess portfolio performance credit trends and loss drivers to support enterprise decision-making.
• Loss Forecasting & Financial Acumen: Expertise in loss forecasting methodologies portfolio risk management and consumer credit performance.
• Attention to Detail: Diligently attends to details and pursues quality in accomplishing tasks.
• Communications: Exhibits good listening and comprehension. Expresses ideas and thoughts in verbal and written form. Strong presentation skills.
• Analytical Skills: Proven capacity to extract and manipulate large datasets in an efficient manner.
• Teamwork: Exceptional skills in collaborative teamwork attention to detail and strong interpersonal skills.
• Organizational Skills: Capable of creating maintaining and analyzing various datasets multitasking and overseeing and delivering various simultaneous projects with differing requirements.
• Problem Solving: Strong decision making and problem-solving skills and a can-do approach to issues.

SUPERVISORY RESPONSIBILITY
Yes - Direct supervision of assigned analysts and staff within the Risk department.

PHYSICAL DEMANDS

While performing the duties of this job the employee is regularly required to stand walk reach and sit for a minimum of 8 hours with or without reasonable accommodation. The employee is required to use hands to finger handle or feel objects and/or tools. The employee is required to talk or hear with or without reasonable accommodation and must sometimes lift and move up to 10 pounds.

WORK ENVIRONMENT
While performing the logistics duties of this job the employee is frequently exposed to moderate noises such as computers printers and other light traffic noise in an office setting.

This role is in-office. Remote work may be performed from a pre-approved location as arranged and scheduled by team management and approved by department leadership.

OTHER DUTIES

Please note this job description is not designed to cover or contain a comprehensive listing of activities duties or responsibilities that are required of the employee for this job. Duties responsibilities and activities may change or be supplemented at any time with or without notice.