Senior Portfolio Risk and Strategy Analyst
About The Position
The Senior Portfolio Risk and Strategy Analyst partners with an assigned Line of Business, other Risk/Compliance/Audit (RCA) professionals, and RCA Managers to create, implement, maintain, review, or oversee an effective risk management framework, depending on the function. The role participates in projects and activities that support compliance with applicable federal, state, and local laws and regulations; identifies gaps and informs solutions to minimize losses arising from inadequate internal processes, systems, or human errors; identifies, responds to, and escalates risks as appropriate; and serves as a functional liaison between the Line of Business and the Lines of Defense. The analyst leads Champion/Challenger testing across Lending Services business lines, including Consumer, Mortgage, and Commercial, within Collections, Recovery, Repossession, and Loss Mitigation. The role works with cross-functional business partners to turn test results and performance insights into strategy enhancements, implementation recommendations, and ongoing performance monitoring. It analyzes portfolio and program performance, including Investor scorecard performance, to identify trends, performance drivers, risks, and opportunities for improvement. The analyst also partners with Finance and business lines on collections goal setting, delinquency forecasting, performance analysis, and reporting, and explores AI capabilities to improve analytical efficiency, insights, reporting, and decision-making.
Requirements
- Bachelor's degree or equivalent work experience.
- Typically more than eight years of applicable experience.
- Experience with Champion/Challenger strategy testing within Lending Services, including Consumer, Mortgage, Commercial, Collections, Recovery, Repossession, and/or Loss Mitigation.
- Strong portfolio and program analytics experience, including analyzing performance, identifying trends and performance drivers, assessing risk, and identifying opportunities for improvement.
- Experience applying AI capabilities to analytics, strategy testing, and reporting to improve efficiency, strengthen insights, and support business decision-making.
- Proficiency in SQL or Python, including experience using data for analysis, testing, reporting, and business insights.
- Strong analytical, problem-solving, and communication skills, including the ability to synthesize complex findings and present recommendations to senior leadership and executive stakeholders.
- Experience partnering with cross-functional teams, including Finance, Operations, Risk, Technology, and business lines, to support strategy implementation, goal setting, forecasting, and reporting.
Nice To Haves
- Experience across multiple Lending Services business lines.
- Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends affecting the assigned line of business.
- Considerable understanding of the business line’s operations, products and services, systems, and associated risks and controls.
- Thorough knowledge of Risk/Compliance/Audit competencies.
- Strong analytical, process facilitation, and project management skills.
- Effective presentation, interpersonal, written, and verbal communication skills.
- Effective relationship-building and negotiation skills.
- Proficient computer navigation using software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations.
Responsibilities
- Partner with the assigned Line of Business, RCA professionals, and RCA Managers to create, implement, maintain, review, or oversee an effective risk management framework.
- Participate in projects and activities that ensure compliance with applicable federal, state, and local laws and regulations.
- Identify gaps and inform solutions that minimize losses due to inadequate internal processes, systems, or human errors.
- Identify, respond to, and escalate risks as appropriate.
- Serve as a functional liaison between the Line of Business and the Lines of Defense.
- Lead Champion/Challenger testing across Lending Services business lines, including Consumer, Mortgage, and Commercial, within Collections, Recovery, Repossession, and Loss Mitigation.
- Work with cross-functional business partners to translate test results and performance insights into strategy enhancements, implementation recommendations, and ongoing performance monitoring.
- Analyze and monitor portfolio and program performance, including Investor scorecard performance, to identify trends, performance drivers, risks, and improvement opportunities.
- Partner with Finance and business lines on collections goal setting, delinquency forecasting, performance analysis, and reporting.
- Explore and apply AI capabilities in analysis, strategy testing, and reporting to improve efficiency, insights, and decision-making.
- Collaborate with Finance, Operations, Risk, Technology, and business lines to support strategy implementation, goal setting, forecasting, and reporting.
- Present synthesized findings and recommendations to senior leadership and executive stakeholders.
Benefits
- Healthcare coverage, including medical, dental, and vision.
- Basic term and optional term life insurance.
- Short-term and long-term disability insurance.
- Pregnancy disability and parental leave.
- 401(k) and employer-funded retirement plan.
- Paid vacation, from two to five weeks depending on salary grade and tenure.
- Up to 11 paid holiday opportunities.
- Adoption assistance.
- Sick and Safe Leave accruals of one hour for every 30 hours worked, up to 80 hours per calendar year unless otherwise provided by law.
- Incentive and recognition programs.
- Equity stock purchase.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
