Portfolio Risk Analyst

Watercress Financial Group LLC

Job Description

Description:

The consumer credit Portfolio Risk Analyst is responsible for the ongoing credit performance, risk management and delinquency monitoring of the company’s home improvement loan portfolio. This role contributes heavily to the end-to-end monitoring, analysis, and optimization of loan performance, ensuring that repayment, delinquency, cure rates, and charge-offs remain within the company’s risk appetite and financial targets.

The Portfolio Risk Analyst is a member of the analytical credit risk team focused on development, testing and implementation of new or enhanced strategies to improve future loan portfolio performance.

Watercress Financial is a home improvement lender originating across the United States. Candidates should be comfortable working in a highly entrepreneurial company where smart ideas, fast analysis, and thinking ahead are high-value personal traits.

RESPONSIBILITIES

Create and maintain monitoring reporting for consumer loan portfolio performance
Provide analysis and back-testing to minimize delinquency and charge off, while optimizing loan approval, look-to-book rates, and repayment rates.
Detect emerging credit risk trends in the economy, market or portfolio, and provide strategic recommendation to reduce credit risk or optimize profitability
Provide transparent, defensible reporting to executive leadership and risk committees
Create, maintain and enhance: loan loss forecasting, prepayment models, roll rate analysis, transition rate analysis.

QUALIFICATIONS

4yr degree Finance, Accounting, Engineering, Actuarial, Com-Sci or other analytical field (Associates Degree with commensurate experience also considered)
Two or more years in a consumer lending portfolio management, FP&A, risk, data analysis/modeling or similar role
Confident working independently , detailed oriented
Strong working knowledge of: credit bureau data, consumer loan portfolio, loan repayment and delinquency behavior

KNOWLEDGE AND SKILLS

Experience with consumer loan capital markets, FP&A, loan securitization
MS Excel, Microsoft Power stack (PowerBI, PowerQuery, PowerPivot, PowerAutomate) and SQL
MLL, boosted/ensemble and/or chat models

Requirements:

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Vacancy posted a month ago

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