Portfolio Risk Analytics Lead in United States at Jobgether

This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Portfolio Risk Analytics Lead in the United States.

This role sits at the core of a fast-scaling fintech, responsible for building and owning the analytical intelligence behind a growing credit card portfolio. You will define how portfolio risk is measured, monitored, and forecasted across both consumer and small business lending products. The work spans the full credit lifecycle, from acquisition and underwriting signals through spend behavior, repayment dynamics, delinquency, and charge-off performance. You will translate complex, multi-source financial and behavioral data into clear risk narratives that guide credit strategy and capital decisions. Operating within a high-ownership environment, you will partner closely with underwriting, product, engineering, and finance teams to embed risk insights directly into decision-making. This is a highly visible leadership role reporting into senior risk leadership, with significant influence over portfolio strategy and scaling decisions.

The Portfolio Risk Analytics Lead is responsible for owning end-to-end credit portfolio analytics across acquisition, underwriting, usage, repayment, and loss performance. The role ensures that portfolio risk is continuously measured, forecasted, and translated into actionable insights that support credit policy, pricing, and capital allocation decisions.

• Own full lifecycle portfolio risk analytics for credit card products across consumer and small business segments, from acquisition through charge-off and recovery.
• Analyze application flows, approval rates, and decline drivers to inform underwriting strategy and credit policy calibration.
• Evaluate credit line assignment frameworks, bureau cutoffs, and risk tiering to optimize portfolio risk-return balance.
• Monitor spending behavior, authorization trends, utilization, and payment patterns as early indicators of credit and fraud risk.
• Maintain and enhance portfolio performance models, including vintage curves, roll rates, delinquency migration, and loss forecasting.
• Develop early warning indicators and behavioral triggers to detect emerging credit deterioration ahead of lagging metrics.
• Conduct portfolio segmentation across industries, cohorts, and behavioral profiles to refine credit strategies and limit management.
• Lead portfolio reviews and present insights to senior leadership and credit committees with clear risk narratives and recommendations.
• Perform scenario analysis and stress testing to assess portfolio resilience under adverse macroeconomic conditions.
• Partner cross-functionally to embed risk analytics into underwriting, product design, and financial planning processes.

This role requires deep expertise in credit card portfolio analytics and strong technical capability to independently work with complex datasets and build analytical frameworks from the ground up. The ideal candidate combines hands-on credit risk experience with strong business judgment and the ability to operate in a fast-evolving fintech environment.

• 7–15 years of experience in credit risk analytics, preferably across credit card portfolios in banking or fintech environments.
• Deep expertise in portfolio risk metrics such as vintage analysis, roll rates, utilization trends, and loss forecasting.
• Strong proficiency in SQL and Python or R, with experience working directly with large, complex datasets.
• Solid understanding of SMB credit dynamics, including cash flow variability and limitations of bureau data.
• Proven ability to build analytical frameworks independently rather than relying on predefined dashboards or reports.
• Strong communication skills with the ability to translate complex analysis into clear business recommendations.
• High intellectual curiosity, strong attention to detail, and ability to challenge assumptions with data-driven insight.
• Experience working in fast-paced environments where infrastructure and processes are still evolving.

• Competitive salary range: $150,000 – $250,000 per year.
• Equity participation in a high-growth fintech company.
• High-impact role with direct influence on credit strategy and portfolio performance.
• Exposure to end-to-end credit lifecycle decisioning in a modern financial platform.
• Collaborative, high-ownership culture with strong autonomy and visibility to leadership.
• Opportunity to build foundational risk infrastructure and analytical frameworks.
• Fast-paced environment focused on innovation, scale, and meaningful financial impact.