Portfolio Risk Analytics Lead

This is a fully remote position, open to applicants in United States.

📋 Description

• Take full ownership of portfolio risk analytics for Flex's credit card portfolio.

• Evaluate approval thresholds, bureau cutoff performance, and risk-tiered line sizing.

• Integrate existing Flex relationship data into credit decision-making and line management frameworks.

• Monitor authorization patterns and spending velocity to assess credit quality.

• Track minimum payment rates and utilization trends.

• Maintain vintage curves and conduct delinquency migration analysis.

• Analyze loss emergence patterns by segment and cohort.

• Develop and uphold early warning frameworks for credit deterioration.

• Synthesize data from various sources to evaluate portfolio health.

• Lead regular portfolio reviews and present insights to senior leadership.

• Create credit risk segmentation for accurate limit management.

• Collaborate cross-functionally with different teams to ensure risk visibility.

• Contribute to stress testing and scenario analysis.

⛳️ Requirements

• 5–15 years of direct experience in credit card risk analytics focusing on consumer and small business sectors.

• Expertise in credit card metrics, including vintage curves, roll rates, loss forecasting, utilization dynamics, and payment hierarchy.

• Proficient in SQL and Python or R, comfortable handling large datasets.

• Understands the analytical requirements of SMB credit, including cash flow seasonality and the financial entanglement of owners and businesses.

• Operates at a senior cognitive level in relation to peer cohort.

• Possesses a high quantitative aptitude paired with strong intuition.

• Energetic, end-to-end owner who excels in dynamic environments.

🏝️ Benefits

• Equity in the company in addition to the base compensation.