Portfolio Risk Analytics Lead

🕒 Maio 9

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $150.000 - $250.000 / ano

⏰ Tempo Integral

🟠 Sênior

📊 Cientista de Dados

🦅 Patrocina Visto H1B

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Flex

SiteLinkedInTodas as Vagas

11 - 50 funcionários

💰 $100.000.000 Debt Financing em 2023-09

Plataforma financeira end-to-end para empresas.

Descrição

• Own end-to-end portfolio risk analytics for Flex's credit card book • Analyze approval thresholds, bureau cutoff performance, and risk-tiered line sizing • Incorporate existing Flex relationship data into credit decisioning and line management frameworks • Monitor authorization patterns and spend velocity for credit quality • Track minimum payment rates and utilization trends • Maintain vintage curves and delinquency migration analysis • Analyze loss emergence patterns by segment and cohort • Build and maintain early warning frameworks for credit deterioration • Synthesize data from multiple sources for portfolio health • Lead periodic portfolio reviews and present findings to senior leadership • Develop credit risk segmentation for precise limit management • Partner cross-functionally with various teams to ensure risk visibility • Contribute to stress testing and scenario analysis

🎯 Requisitos

• 5–15 years of hands-on credit card risk analytics experience across consumer and small business • Subject matter expertise in credit card metrics — vintage curves, roll rates, loss forecasting, utilization dynamics, payment hierarchy • Proficient in SQL and Python or R, comfortable working with large datasets • Understands the analytical demands of SMB credit: cash flow seasonality and owner-business financial entanglement • Operates at a senior thinking level relative to peer cohort • High quantitative aptitude with strong intuition. • High-energy, end-to-end owner who thrives in dynamic environments

🏖️ Benefícios

• Equity in the company in addition to the Base Compensation.