Credit Risk Analyst - Portfolio Management

ATLANTICUS•Atlanta, GA

1d•Onsite

About The Position

The Risk Analyst, Portfolio Management, will support portfolio management strategy and key initiatives across the consumer credit risk lifecycle. This role is responsible for evaluating portfolio performance, identifying emerging credit trends, recommending strategic actions to senior leadership, and supporting initiatives that drive profitable growth and disciplined risk management. Key areas of focus include account management and/or acquisitions, pricing, credit bureau attributes, P&L drivers, portfolio scoring, and collections. This position reports directly to the Vice President.

Requirements

Bachelor’s degree in Finance, Business, Mathematics, Statistics, Economics, or a related field.
0-4 years of relevant consumer credit risk experience within US consumer lending.
Experience with US consumer credit cards is strongly preferred.
Cross-functional experience in areas such as portfolio management, acquisitions, loss forecasting, marketing, pricing, and profitability analytics is a plus.
Solid working knowledge of SAS, SQL, Python, or similar programming tools.
Strong analytical, interpretive, and problem-solving skills, with the ability to develop practical solutions to complex business challenges.
Some understanding of P&L dynamics and key profitability drivers within consumer lending.
Excellent written and verbal communication skills, with the ability to translate complex analysis into clear, actionable business insights.
Demonstrated ability to collaborate effectively with business partners across marketing, operations, technology, finance, and risk functions.

Responsibilities

Support end-to-end credit portfolio management strategies, including credit line increases and decreases, second-account acquisitions and account management, usage programs, over-limit authorization strategies, high-risk account management, retention, reissue, and related portfolio initiatives.
Monitor portfolio performance through ongoing review of asset quality reporting, delinquency, and loss trends.
Develop and present periodic credit risk updates, portfolio performance reviews, and strategic recommendations to senior leadership.
Design, develop, and evaluate new portfolio tests, strategies, and performance management initiatives.
Support the development, implementation, and ongoing monitoring of portfolio risk management models.
Partner cross-functionally with marketing, operations, technology, finance, and other business teams to ensure portfolio strategies align with broader organizational goals.