Senior Financial Portfolio Analyst – Servicing

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🔥 2 minutes ago

🇺🇸 United States – Remote

💵 $85.4k - $128k / year

⏰ Full Time

🟠 Senior

💸 Financial Planning and Analysis (FP&A)

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Figure

WebsiteLinkedInAll Job Openings

501 - 1000 employees

💸 Finance

💳 Fintech

🏦 Banking

Finance • Fintech • Banking

Figure is transforming the trillion-dollar financial services industry using blockchain technology. Founded in 2018 by technology entrepreneur Mike Cagney, Figure has established itself as a groundbreaking player in the fintech space with a focus on home equity products, consumer lending, and asset management. Leveraging the Provenance Blockchain, Figure delivers innovative solutions for loan origination, equity management, and financial transactions, aiming to provide speed, efficiency, and savings for both consumers and institutions. It stands out as one of the few unicorns in the financial technology sector.

📋 Description

• Maintain and enhance servicing profit-and-loss models, including revenue streams, ancillary fees, sub-servicing costs, advances, late fees, recoveries, and corporate allocations. • Support mortgage servicing rights (MSR) valuation by modeling discount rates, CPR/prepayment speeds, delinquency curves, and cost-to-service assumptions. • Build dashboards tracking static pool performance, delinquency migration, modification outcomes, foreclosure metrics, and collection effectiveness. • Forecast servicing revenue based on portfolio balance, runoff, payoffs, and interest-rate conditions; develop models for default expenses, foreclosure timelines, claim recoveries, and REO performance. • Provide financial performance analysis, risk assessment, and compliance monitoring for servicing portfolios. • Model escrow balances, interest earnings, advance recoverability, and servicing cost allocations by investor. • Contribute financial insights to operational efficiency initiatives. • Prepare monthly business review decks, variance analysis, margin analytics, and operational KPIs for senior leadership. • Support cross-functional teams including Servicing Operations, Capital Markets, Collections/Default, Investor Reporting, and Asset Management.

🎯 Requirements

• Bachelor’s degree in Finance, Accounting, Statistics, Business, or related field. • 4–7 years of mortgage FP&A, servicing analytics, or portfolio-analysis experience. • Strong understanding of MSR economics, delinquency modeling, advance mechanics, and servicing cost structures. • Experience with servicing systems such as MSP, Sagent, and LoanServ. • Experience with SQL, Snowflake, Tableau, and Power BI. • Ability to work independently and manage complex workloads with strict deadlines. • Adhere to all company security policies and data handling procedures. • Complete mandatory security awareness training within required timeframes. • Promptly report any suspected security incidents or suspicious activity to the Security team. • Must verify identity and eligibility to work in the United States. • Figure will not sponsor work visas for this position. • Master’s degree (MBA or related) preferred. • CPA or similar financial certification preferred.

🏖️ Benefits

• 25% annual bonus target, paid quarterly • Company equity in the form of RSUs • Comprehensive medical, dental, and vision coverage, with 100% employer-paid premiums for employees and their dependents on select plans • Company HSA, FSA, Dependent Care FSA, 401(k), and commuter benefits • Employer-paid life and disability insurance • 11 observed holidays and PTO plan • Up to 12 weeks of paid family leave • Continuing education reimbursement