Portfolio Analytics Manager

Essential Job Duties

• Analyze loan product performance, identifying trends related to delinquency, charge-offs, and overall portfolio health.
• Evaluate portfolio segmentation (e.g., loan types, geographies, credit scores) to identify areas of strength and risk, providing data insights for lending strategy adjustments.
• Collaborate with Finance to ensure accurate forecasting of charge-offs and CECL calculations to support the Allowance for Loan Loss.
• Conduct and communicate standard and ad hoc stress testing scenarios to determine portfolio vulnerabilities and resilience to various economic scenarios.
• Develop and maintain key risk metrics, including delinquency ratios, net charge-off ratios, and early-stage delinquency trends.
• Establish thresholds for key risk indicators and provide breach monitoring and escalation procedures for corrective action.
• Build dashboards to monitor risk factors and present these insights to management and key stakeholders, enabling real-time decisions.
• Support remediation efforts by partnering with relevant risk leaders to provide portfolio risk mitigation strategies.
• Present portfolio performance insights and recommendations to relevant committees, including Credit Portfolio Analysis Meeting.
• Benchmark Sunward’s portfolio performance against peers and competitors to identify performance gaps and propose actionable underwriting adjustments.
• Monitor borrower and portfolio trends in response to changes in economic conditions, including interest rate movements, unemployment trends, and housing market dynamics.
• Provide data-driven insights to support the review of underwriting guidelines, credit risk policies, and loan pricing strategies.
• Aid in the design and development of dashboards for risk management and reporting, including interactive tools for loan portfolio visualization.
• Enhance scenario analysis and market forecasting tools to optimize business strategies and capital planning.
• Monitor portfolio concentration risk (e.g., geographic concentration, borrower segments) and recommend adjustments to mitigate exposure.

Collaboration, Reporting And Project Management

• Partner with business users to interpret data findings, providing risk insights and suggesting potential adjustments to business strategies.
• Assist in identifying and testing robust data and modeling solutions for stress testing and credit analytics.
• Build and maintain a forecasting framework for portfolio performance metrics.
• Manage project onboarding for new vendors that support technology efficiencies for Special Assets.
• Perform other duties as assigned.
• Directly and indirectly supports cross-functional teams of business unit leaders, analysts, internal stakeholders, and external partners (vendors) to facilitate the on-time.

Required Skills/Abilities

• Strong proficiency in Microsoft Office applications, particularly Word and Excel.
• Advanced analytical, quantitative, and problem-solving skills.
• Proven ability to analyze loan portfolio performance and communicate risks effectively.

Required Knowledge

• Strong knowledge of regulatory requirements, including FDCPA, FCRA, SCRA, and others.
• Familiarity with loan underwriting, collections, and financial statement analysis.
• Solid understanding of asset recovery and liquidation including applicable regulatory reporting requirements.
• Strong knowledge of consumer lending, and related collection practices.
• Financial acumen with experience in budgeting, forecasting, and P&L management.
• Familiar with Allowance for Loan Loss calculation under Current Expected Credit Loss (“CECL”) standard.
• Knowledge of statistical methods (e.g. correlation, regression).
• Knowledge of data visualization tools like Tableau or PowerBI, Oracle Business Intelligence, or similar tools.

Education And Experience

• Minimum six years’ combined experience in financial portfolio analysis, consumer and commercial loan underwriting requirements, collections, or a closely related field.
• Minimum bachelor’s degree in business administration, finance, accounting, data science or related field, or more than six years of related experience.

Physical Requirements

• Frequent periods of sitting at a desk and working on a computer.
• Must be able to lift 20 pounds at times.

Salary Description

$83,524.00 - $104,405.00