Overview
This role supports the secured lending risk and control infrastructure for home equity line of credit, auto direct, and auto indirect dealer products. The position involves monitoring loan salability, asset quality, and model performance to ensure governance, controls, and readiness for bank partner and regulatory review.
Responsibilities
- Conduct loan-level quality reviews assessing documentation completeness, underwriting accuracy, eligibility adherence, collateral quality, and other salability criteria.
- Organize and analyze portfolio performance data including early payment defaults, delinquency trends, prepayment rates, loss severity, and exception patterns.
- Maintain recurring asset quality and salability risk reporting packages for bank partners, Capital Markets, and internal leadership.
- Track first-line model performance by maintaining production model tracking tools, logging override and exception trends, tracking version changes, and flagging potential performance issues.
- Maintain issue logs, defect trackers, remediation updates, and documentation libraries to ensure records are current and organized for review.
- Prepare governance and exam readiness deliverables including evidence packages, reporting templates, and coordination of materials for bank partner reviews, committee deliverables, and regulatory examinations.
Minimum Qualifications
- 3+ years of experience in financial services, credit operations, quality control, risk management, compliance, model monitoring, loan review, credit analysis, or related analytical roles.
- Experience applying established review criteria to loan-level data, credit files, origination documentation, collateral documentation, or lending operations outputs.
- Experience analyzing portfolio performance, asset quality indicators, credit policy exceptions, loan defects, remediation items, or operational risk trends.
- Proficiency with Excel, Google Sheets, SQL, business intelligence tools, reporting tools, or similar systems for organizing, analyzing, and quality-checking structured data.
- Experience documenting findings, exceptions, issue status, remediation progress, or review results for risk, compliance, credit, operations, audit, bank partner, or regulatory stakeholders.
Preferred Qualifications
- Experience with loan file review, quality control, pre-sale quality control, investor delivery, or loan salability review in mortgage, home equity, auto, or other secured lending products.
- Knowledge of secured lending and secondary-market quality expectations including investor eligibility standards, collateral documentation, lien perfection, representations and warranties, defect remediation, trailing performance thresholds, or repurchase risk.
- Experience tracking and interpreting asset quality or portfolio performance indicators such as early payment default, delinquency, prepayment, loss severity, non-performing loan trends, or credit policy exception rates.
- Familiarity with model monitoring concepts, model performance reporting, validation outputs, override and exception tracking, or model governance documentation in lending or fintech environments.
- Skilled in producing clear review summaries, governance materials, issue logs, reporting packages, and documentation suitable for bank partner or regulatory review.
Compensation & Benefits
- Anticipated base salary range: $115,800 - $160,100 USD, dependent on geographic location, skills, experience, and education.
- Target bonuses and equity compensation.
- Comprehensive benefits including medical, dental, vision, and 401(k) with company match ($2 for every $1 contributed, up to $15,000 annually in the US).
- Employee Stock Purchase Plan (US only).
- Health Savings Account contributions (US only).
- Income protection benefits including life insurance and disability coverage.
- Paid time off, sick leave, company holidays, and paid family/parental leave.
- Family-centered benefits supporting fertility, parenthood, and caregiving.
- Employee Assistance Program offering mental health support.
- Financial wellness resources including planning tools and concierge service (US only).
- Annual wellness and productivity allowances.
- Opportunities for connection through team events, company updates, and employee resource groups.
- Onsite perks such as catered lunches and stocked micro-kitchens at offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026).
Location
- This is a remote position available within the United States.
- The role requires occasional in-person collaboration through regular onsite meetings, typically once or twice per quarter for 2-4 consecutive days.
Additional Information
- Candidates must be eligible to work in the United States.
- The organization is committed to inclusive and fair hiring practices.
- Reasonable accommodations are available upon request during the application and selection process.