Overview
The organization is seeking a Director, Credit Portfolio Analytics with 12+ years of experience to lead trade credit portfolio strategy while staying deeply connected to underlying data. This role serves as a trusted advisor to executive leadership, defining long-term credit risk and exposure management frameworks, and also takes a hands-on role building analytics and predictive models, writing advanced queries, and working directly with large datasets.
Responsibilities
Strategic Leadership & Governance
- Portfolio Governance: Define corporate credit policy, exposure limits, and risk tolerance models for a multi-million/billion-dollar trade credit and receivables portfolio.
- Executive Advisory: Provide high-impact briefings, predictive forecasts, and strategic recommendations to executive leadership on portfolio credit quality, delinquency trends, and exposure concentrations.
- Enterprise Risk Management: Monitor macro-level credit, counterparty, and financial risks across the trade credit ecosystem, including seller and buyer concentration, industry exposure, and macroeconomic sensitivity.
- Team Leadership: Develop, direct, and upskill a high-performing team of credit and portfolio analysts, establishing data standards and analytical best practices.
Hands-On Analysis & Execution
- Advanced Modeling: Design, build, and maintain sophisticated, scalable credit risk and predictive models (e.g., loss forecasting, probability of default, roll-rate, vintage analysis) to evaluate portfolio performance.
- Deep-Dive Analytics: Write complex data queries and code to extract, manipulate, and analyze large datasets from disparate corporate systems, including receivables, collections, and underwriting platforms.
- Root-Cause Diagnostics: Troubleshoot data anomalies, audit complex credit loss and delinquency calculations, and validate the logic behind team-generated reports.
- Dashboard Architecture: Support and maintain executive-level dashboards and visualization architectures tracking portfolio health, delinquency, and credit risk KPIs using enterprise BI tools.
Requirements
- 12+ years of progressive experience in trade credit, credit risk management, corporate finance, or B2B receivables/portfolio management, with a proven track record of blending strategy with technical execution.
- Bachelor’s degree in Statistics, Mathematics, Finance/Economics or similar quantitative field of study
- Expert-level proficiency in advanced Excel, SQL, and data programming languages (SAS or Python).
- Experience supporting the development of data models and visualizations within Enterprise BI tools.
- Strong ability to translate dense, highly technical analytical findings into clear, actionable business narratives for non-technical stakeholders.
Preferred Qualifications
- Master’s Degree in Statistics, Mathematics, Finance/Economics or similar quantitative field of study
- Strong knowledge of B2B and/or Business Banking credit product pricing and profitability principles
- Statistical modeling experience (logistic regression, machine learning, SVM, and more)
- Prior leadership/management experience
Compensation & Benefits
- Competitive salary
- Paid parental leave
- Generous paid time off
- Medical, dental, vision, FSA, Life/AD&D, long and short term disability
- 401K matching
- Employee referral program
Location
Location not specified in the provided job description.