Portfolio Risk Analyst - Data Scientist

4 days ago

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Helping to provide capital in an efficient and transparent manner to every small and medium-sized business in America.

SaaS • LaaS • Automation • Software Development • FinTech

201 - 500

Description

• Collect, analyze, and interpret risk data to identify trends and patterns impacting the lending portfolio. • Develop and maintain portfolio management models and tools to evaluate creditworthiness of small business loan applicants. • Monitor and report on key risk indicators, providing actionable insights to senior management. • Prepare detailed risk reports and presentations for internal stakeholders, highlighting potential risks and recommended mitigation strategies. • Conduct loss forecasting analysis for the internal portfolio and provide support in interactions with internal finance, collections, capital markets teams, and external investors. • Perform cash flow and prepayment analysis to calculate net present value and other time value metrics. • Interact with multiple parts of the business, and various stakeholders to provide expert insight on portfolio risk assessment. • Work with credit strategy and customer analytics teams to simulate portfolio performance with proposed strategies. • Support ad-hoc risk analysis and projects as required.

Requirements

• Strong analytical background with data-driven decisioning mindset. • A bachelor’s degree in Mathematics, Statistics, Finance or a related field. • A master’s degree or professional certification (e.g., CFA, FRM) is a plus. • 1+ years of experience in risk management, data analysis, or a similar role is preferred, particularly within the financial services or lending industry. • Experienced in credit risk analysis or model development, ideally from a financial company utilizing cutting-edge technology. • Strong analytical skills with proficiency in data analysis tools and software (SQL, Python and R). • Knowledgeable about risk management principles and practices, particularly in the context of lending. • Real team player with the ability to collaborate effectively, even in a remote work environment. • Equipped with strong communication skills, capable of engaging with multiple stakeholders across the business.