Senior Portfolio Risk Analyst, Flex

• The ideal candidate will be comfortable working with varied datasets to derive insights for both credit underwriting and ongoing portfolio management
• 5+ years of experience in a data analytics or credit analytics role, preferably within fintech, credit cards, or SMB lending
• Fluency in SQL / SAS and comfort with Python or R for exploratory data analysis and automation
• Strong understanding of credit underwriting principles and SMB financial analysis
• Experience interpreting business financials (P&L, balance sheet, tax returns) and cash flow data from banking sources
• Familiarity with credit bureau data and commercial credit reports
• Ability to communicate findings clearly and influence cross-functional stakeholders

Desirable

• We are seeking an energetic and intellectually curious Analytics professional with domain expertise in credit analytics and a strong grasp of financial data interpretation
• This role will play a critical part in improving credit decisions, monitoring customer behavior, and informing risk management and product strategy
• Analyze new applicant data to support automated and manual credit decisioning
• Work with data extracted from business financial statements, tax documents, and banking integrations (e.g., Quickbooks, Netsuite, Plaid, etc)
• Leverage insights from adjacent product usage (e.g., business banking, payments platforms) to evaluate risk profiles
• Build dashboards or tools to surface real-time indicators for underwriting and fraud detection
• Monitor account-level behavior post-origination, including spend and payment patterns, credit utilization, and engagement
• Identify signs of weakening creditworthiness using internal data and third-party credit reports (e.g., Experian, D&B)
• Track and analyze delinquency trends and payment consistency to refine risk models and collections strategies
• Develop behavioral segments and performance cohorts for proactive account management
• Support P&L analysis of the unsecured credit card product, including interchange income, interest revenue, rewards cost, and charge-off rates
• Build models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns
• Assist in identifying drivers of loss and opportunities for margin improvement