Sr. Portfolio Data Analyst

Overview

This role is part of the Business Data Analytics team. The position partners with business unit leaders and teams across Risk, Finance, Core, and Accounting to measure and monitor key financial drivers for all products. You will own monitoring for business-defined KPIs and help keep leadership informed about potential risks to growth and financial strategy.

Key focus areas include portfolio analytics, financial data accuracy, and back-office support for capital markets, FP&A, and accounting. Compared to a growth or strategic credit role, this position centers heavily on data integrity, roll-forward metrics, and system reconciliation.

Responsibilities

• Own product monitoring across credit risk, payments, usage, and related areas.
• Perform rigorous checks and balances on loan and credit card performance metrics, including beginning balance, transactions, and ending balance.
• Build dashboards for executive consumption that compare actuals versus forecast.
• Develop forecasting and projections frameworks for portfolio metrics.
• Prepare and present executive materials; respond to complex data inquiries from external investors/lenders; assist the investor team with scenario testing.
• Conduct ad-hoc RCA and remediation analysis in partnership with relevant leaders (card, loan finance, etc.).
• Support simulation of portfolio covenants for major risk strategy changes.
• Institutionalize portfolio (card and loan) forecast and establish monitoring for the corporate model.
• Collaborate with Capital Management, Risk, Finance, Core, Accounting, and other business leaders to develop analysis and materials for lender negotiations.
• Partner with engineering and data governance to establish reliable product tapes for shared partner utilization.
• Support FP&A and Accounting by validating forecasts, explaining variance discrepancies (e.g., actual vs. expected interest income), and providing financial inputs.
• Reconcile General Ledger records with product tapes and trace payment flows from bank accounts down to discrete accounts.

Requirements

• 6+ years of relevant analytical experience with a bachelor’s degree, or 4+ years of relevant analytical experience with a master’s degree in quantitative fields such as Analytics, Mathematics, Statistics, Economics, Engineering, etc.
• Proficiency in SQL and a strong interest in acquiring new technical skills.
• Strong verbal, written communication, and presentation skills.
• Knowledge of Python, R, or SAS.
• Knowledge of a BI tool such as Tableau, Sigma, or similar.
• Proficiency with forecasting models such as time series forecasting.
• Experience in Credit Card, Loans, or other financial services.
• Demonstrated ability to solve real-world problems with data.
• Ability to think long-term and take a big-picture view.
• Growth mindset and proactive ownership.
• Ability to execute effectively with an 80/20 approach.

Preferred Qualifications

• Not specified.

Compensation & Benefits

• Competitive pay and stock options
• Unlimited PTO
• Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Parental Leave
• Newly added HSA and Pet Insurance
• 401K Plan with Matching
• Cell Phone Stipend

Location

Remote, with openness to occasional business travel to Los Angeles and New York as needed.