Portfolio & Credit Risk Management Analyst

Summary

Join SAVii, a company transforming employee wellness through technology, as a Portfolio Analyst. You will design, develop, and implement data-driven strategies and analytical frameworks to support business growth and risk management. This role requires expertise in data analytics, credit risk, portfolio management, and business intelligence. You will implement credit risk policies, monitor portfolio performance, and collaborate with data scientists on advanced credit algorithms. The position involves close portfolio monitoring, data analysis, and developing credit frameworks. You will share data-backed insights with stakeholders to drive business decisions. SAVii is a remote-first company that values flexibility and continuous learning.

Requirements

• Bachelor's degree (preferably in a field such as Economics, Finance, Mathematics, or Statistics) and a minimum of 2 years experience in banking, credit risk or portfolio management
• Strong financial analysis, underwriting, risk assessment, and risk mitigation skills
• Proficient in Google Workspace or Microsoft Suite (Word, Excel, PowerPoint, etc)
• Knowledge of Python, SQL, or similar data analysis tools
• Strong communication and negotiation skills, with an inquisitive and analytical mindset
• Highly detail-oriented, collaborative, and focused on delivering accurate and timely outputs

Responsibilities

• Implement credit risk policies and acquisition strategies for Salary Lending and new products while ensuring compliance and risk optimization
• Design, test, and execute credit strategies, pricing policies, and portfolio management frameworks to drive profitability and mitigate risk
• Monitor portfolio performance, underwriting operations, and key risk indicators (KPIs) to enable proactive decision-making
• Conducted data-driven analysis and collaborated with data engineering to enhance BI tools, core data sets, and risk assessment capabilities
• Partner with Data & Analytics to develop advanced Credit Algorithms, predictive models, and research insights on portfolio risk and industry trends
• Lead and collaborate on cross-functional projects on risk management, profitability, and process optimization
• You closely monitor the portfolio
• You do analyses, deep dives, etc., on the portfolio, be it relevant to optimization (opportunities) or investigation of noted changes in portfolio behavior (risks), using data segmentation techniques such as Python, SQL, Google Sheets, etc
• You work on developing and improving the core credit framework
• You assist in developing and implementing data collection, data analytics, and other strategies to analyze statistical efficiency and guide decision-making
• You work with data scientists and other functions to dive deep into core credit issues and prioritize business and information needs
• You establish measurements to analyze credit model performance, uncover insights, and discern targeted improvement areas
• You monitor credit performance metrics to identify issues, new and innovative credit processes, feature improvements, and business growth opportunities
• You design and implement reports and performance measurement dashboards
• You help steer business decisions by sharing actionable, data-backed insights with key stakeholders

Benefits

Remote work, flexible hours