VP, Credit Risk & Portfolio Analytics

Basepoint Capital, LLC • New York, NY

8h

About The Position

The VP, Credit Risk & Analytics owns portfolio-level credit strategy, credit analytics and model governance, and portfolio surveillance and workout management for BasePoint’s consumer and commercial business. This role partners closely with the VP, Conduit Credit Policy & Underwriting to ensure underwriting policy translates into strong realized portfolio performance, and works cross-functionally with Compliance, Legal, and Operations to ensure credit-related controls and regulatory obligations are embedded throughout the credit lifecycle.

Requirements

• 10+ years of progressive credit risk experience, including direct leadership of credit analytics/modeling and/or portfolio management functions.
• Deep, hands-on experience in small business lending at scale — merchant cash advance, revenue-based financing, SBA, equipment finance, working capital loans, or comparable products.
• Track record managing portfolio performance across a multi-originator or platform-style program (conduit, forward-flow, securitization platform, or marketplace lending balance sheet).
• Strong command of credit modeling, model governance, and application of data science/machine learning to portfolio management.
• Experience with workout and recovery strategy for distressed or underperforming accounts.
• Bachelor’s degree required

Nice To Haves

• MBA, FRM, or quantitative graduate degree preferred.
• Strong understanding of credit risk and portfolio management principles relevant to specialty finance.
• Comfort operating in a fast-paced, technology-driven environment with iterative model and policy development.
• High integrity, with a strong commitment to credit discipline, governance, and the long-term health of the portfolio.

Responsibilities

• Set target portfolio composition for the business line by originator, industry, geography, ticket size, duration, and pricing, and partner with the Originations leader to evaluate new originator pipelines and product extensions through a credit-risk lens.
• Lead the Credit Analytics function: design, validate, and deploy credit scoring, pricing, loss forecasting, and portfolio analytics models, combining machine learning, traditional credit judgment, and originator-specific intelligence.
• Own model governance, including documentation, back-testing, ongoing monitoring, recalibration, and independent validation, in line with regulatory and investor expectations.
• Drive deployment of analytics into production decisioning, originator scorecards, early-warning indicators, and portfolio dashboards.
• Own portfolio management for the assigned portfolios: surveillance, performance attribution, watchlist management, workouts, and recoveries.
• Maintain rigorous monitoring of vintage performance, originator cohort trends, sector concentrations, and macroeconomic sensitivities, and recommend portfolio actions, pace, mix, repurchases, restructurings, to optimize risk-adjusted return within liability constraints.
• Partner with the VP, Conduit Credit Policy & Underwriting to close the loop between underwriting policy and realized portfolio performance, flagging where credit box or guardrails need to adjust based on observed portfolio outcomes.
• Partner with the VP, Capital Markets, Credit to ensure portfolio performance data, model outputs, and surveillance reporting are accurate and investor/rating-agency ready.
• Partner with Compliance, Legal, and Operations to ensure credit policies, controls, and regulatory obligations are embedded throughout the credit lifecycle.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager