Portfolio Analyst II, Strategic Finance

Kapitus•New York, NY

1d•Hybrid

About The Position

The Strategic Finance team partners with business leaders to drive portfolio insights, budgeting and forecasting, competitor intelligence, and broader strategic initiatives. You will analyze portfolio performance, evaluate economic and credit trends, build analytical models, and drive high-impact analyses on portfolio performance that redefine the company’s traditional approach to portfolio management. This work will inform lending strategy, pricing, portfolio optimization, and provide enhanced reporting to Executive Management, the Board of Directors, and external parties.

Requirements

Bachelor's degree in Finance, Economics, Mathematics or equivalent combination of education and job experience
5 years of professional experience in financial analysis, credit risk management, portfolio management and/or data analytics at financial services companies
Strong experience in financial analysis and modeling with demonstrated ability to complete quantitative and qualitative analyses and build/maintain sophisticated financial models
High degree of competence with data management & manipulation as well as financial & cashflow modeling
High-level strategic thinking and problem solving with the ability to collaborate and work cross-functionally with a diverse, global team
Excellent verbal and written communication skills with great attention to detail, a high degree of organization and a strong sense of accountability
Must have strong Microsoft Excel and PowerPoint skills. Experience with using programming languages (R/Python, for example) to manage and analyze data with a strong desire to further develop these skills required
This is a hybrid position with the expectation of reporting to the NY office on a regular basis (2 to 3 days a week, on average)

Responsibilities

Using quantitative models and business logic, you will help define standard reporting for management and leverage portfolio analytics to generate insights on portfolio performance, borrower behavior, and inform changes to our repayment expectations
Monitor macroeconomic and credit conditions (industry dynamics, consumer strength, macro-indicators) and translate them into actionable portfolio recommendations
Work as part of the Strategic Finance team to drive and improve short- and long-term financial forecasting as well as coordinate scenario analyses under varying economic environments
Monitor delinquency migration, charge-offs, recoveries, and loss trends to help identify emerging risks and portfolio inflection points
Conduct competitor and market intelligence, assessing shifts in industry dynamics, assessing pricing, loss, and product strategy across competitors to influence portfolio and strategic decisions
Perform statistical analysis to develop portfolio insights and outlook, and integrate with firmwide modeling assumptions
Leverage proprietary data that supports a data-driven approach to portfolio management, partnering with engineering and data teams to develop and refine proprietary models and tools
Advance insight into the drivers of unit economics to inform optimal pricing, yield and margin targets based on relative risk/reward
Work closely with the FP&A, Treasury, Accounting and Risk Management teams to provide real-time performance feedback (variance analyses), set financial goals, inform decision-making and improve reporting
Inspire and contribute to a motivating work environment through thought-leadership, respectful challenge and healthy debate
Execute and deliver presentations to the Board of Directors, Executive Management and external parties
Additional responsibilities as requested by management

Benefits

Competitive Base Salary Range of $62,800-$100,800 Kapitus is providing this as a good faith salary range to comply with applicable law. The applicant’s final salary will depend on a number of factors including the applicant’s geographic location, skills, and experience.
Annual Incentive Compensation Eligibility – Up to 10% annually
Health Insurance: We offer comprehensive medical, dental, and employer-paid vision plans through UnitedHealthcare (UHC), with various coverage levels available to meet the needs of our employees and their families.
100% Company Paid Insurances: Kapitus fully covers the cost of basic short-term and long-term disability insurance, as well as vision insurance, ensuring our employees have comprehensive protection without any personal expense.
Voluntary Insurance: Supplemental life insurance as well as enhanced short- and long-term disability coverage are available through Mutual of Omaha, providing additional security for our employees. Additionally, Colonial Accident and Hospitalization insurances are also available, offering further protection against unforeseen events.
Paid Maternity and Parental Leave: Beyond state-mandated leave policies, Kapitus provides company-paid maternity and parental leave, supporting our employees during important family milestones.
LifeBalance Program: Enhance your lifestyle with our LifeBalance membership, which offers discounts on outdoor activities, the arts, health, and fitness. Additional benefits include:
Pet and car insurance discounts.
Financial services such as LegalShield.
Relaxation and stress management tools, including a fully covered annual subscription to The Calm App.
Plum Benefits Discount Program: Access exclusive discounts on shows, travel, car rentals, and more, enriching your personal and family life.
Tuition Reimbursement: Pursue further education with up to $5,000 annually in tuition reimbursement, plus opportunities to attend relevant conferences and career development events.
Transit Reimbursement: We also offer transit reimbursement for all work-related travel, supporting your involvement in career and personal development activities.
Paid Time Off and Sick Time
Retirement Benefits: Our 401K plan is managed through Fidelity, featuring a 25% match on employee contributions, helping you plan for a secure financial future.