Overview
This role supports the Asset Recovery, Collections, and Charge-Off departments by aggregating and analyzing portfolio performance data to identify trends, improve operational efficiency, reduce losses, and support strategic decision-making across lending and recovery functions. The analyst works closely with department leadership to develop and maintain recurring reports, dashboards, and performance metrics related to delinquency, repossession activity, recoveries, bankruptcy, charge-offs, legal recovery, and collection effectiveness.
Responsibilities
Portfolio Analytics & Monitoring
- Analyze delinquency, charge-offs, roll rates, cure rates, recoveries, loss trends, and concentration across lending portfolios, including detailed reviews based on collateral type, geography, product, and borrower characteristics.
- Monitor portfolio performance against risk appetite, forecasts, and budget.
- Identify and escalate emerging risk trends and behavioral shifts in delinquency, charge-offs, concentrations, underwriting standards, policy exceptions, and overall loan portfolio performance.
- Conduct quantitative and qualitative analysis to support risk-related decision-making processes including new lending programs.
Reporting & Executive Insights
- Develop and maintain comprehensive risk dashboards, heatmaps, early warning indicator metrics, and recurring performance reports providing clear, timely, and actionable insights across lending portfolios.
- Translate data into actionable insights and recommendations for Enterprise Risk or Credit Risk leadership.
- Support business units and management with ad hoc reports as needed.
- Assist with executive and board-level reporting requests on recoveries, risk exposure, and trends.
Forecasting & Scenario Analysis
- Support loss forecasting, recovery projections, and stress scenarios.
- Develop proactive analysis and modeling including stress tests, static pool analysis, scenario analysis, and drill-down reporting to identify emerging risks.
- Model impacts of strategy changes, policy shifts, or economic conditions on loan portfolios.
- Partner with Finance on budget planning and variance analysis.
Governance, Compliance & Data Integrity
- Ensure reporting accuracy and data integrity across systems.
- Support audits, exams, and model validation requests.
- Maintain documentation for assumptions, methodologies, and metrics.
- Manage and maintain the loan analytics platform, including data integrity and system optimization.
- Ensure compliance with policies, procedures, and regulatory requirements related to risk management.
- Assist in maintaining and updating risk management and lending policies.
- Own and facilitate Enterprise/Credit Risk Committee meetings, including agenda preparation, reporting, and documentation.
Cross-Functional Collaboration
- Partner with Collections/Recovery, Institutional, Direct and Indirect Lending, Loan Operations, Vendor Management, Compliance, Finance, Data, and IT teams to ensure continuity and accuracy of reporting and analysis.
- Support evaluation, maintenance, and development of third-party vendor relationships.
- Contribute to test-and-learn initiatives and continuous improvement efforts.
Collections Strategy & Optimization
- Evaluate effectiveness of collections strategies, treatments, and channels.
- Support segmentation models based on risk, balance, behavior, and hardship indicators.
- Measure strategy lift, marginal ROI, and cost-to-collect by segment.
- Provide insights to improve early-stage intervention and late-stage recovery.
Requirements
- This is a remote position.
- Bachelor's degree or commensurate experience required.
- Minimum 3 years of experience in credit risk, collections analytics, portfolio risk, or financial services analytics.
- Experience with SQL, Tableau, Power BI, nCino, or similar business intelligence tools.
- Knowledge of collections platforms such as AKUVO or Fiserv.
- Proficient in Microsoft Office Suite with advanced Excel and PowerPoint skills.
- Advanced Excel skills including formulas, pivot tables, macros, charts, and queries.
- Strong analytical mindset with ability to interpret large data sets and translate findings into actionable recommendations and executive-ready insights.
- Demonstrated ability to build strong relationships with internal and external stakeholders to promote risk awareness and accountability.
Compensation & Benefits
- 25 days of paid time off and 10 paid holidays.
- 16 hours of paid Volunteer Time Off.
- 401(k) retirement plan with up to 6% employer match.
- Health, dental, and vision insurance with multiple plan options.
- Health Savings Account with generous employer contributions.
- Employer-paid life insurance, short-term and long-term disability coverage.
- Tuition reimbursement ranging from $4,000 to $7,000 per calendar year.
- Robust learning and development program including an annual professional development stipend.
Location
- Remote position, with the majority of employees residing in the upper Midwest.
Equal Opportunity Employer/Disabled/Veterans/41 CFR 60–1.4, 41 CFR 60-1.35