Senior Portfolio Risk Analyst

3 weeks ago


Los Angeles, California, United States Sunbit Inc. Full time

Sr. Portfolio Risk Analyst

Remote

Head of Business Data Analytics

Sunbit builds financial technology for real life. Our technology eases the stress of paying for life's expenses by giving people more options on how and when they pay. Founded in 2016, Sunbit offers a next-generation, no-fee credit card that can be managed through a powerful mobile app, as well as a point-of-sale payment option available at more than 21,000 service locations, including 1 in 3 auto dealerships, optical practices, dentist offices, veterinary clinics, and specialty healthcare services. By introducing a flexible way to pay over time, we are proud of our ability to lift up service providers and retailers while helping consumers when necessary expenses arise... regardless of whether they were expected or unexpected. We use cutting-edge innovations in financial technology to bring leading data and features that allow individuals to be qualified instantly, making purchases at the point-of-sale fast, fair and easy for consumers from all walks of life. We create value focused on our core values; we work tirelessly to ensure that Sunbit becomes available to everyone, everywhere.

Sunbit is proud to be recognized on the CB Insights List of Unicorn Companies, with a valuation of $1.1B )

This role would be part of the Business Data Analytics team at Sunbit. In this position, you will work closely with the BU leaders, Risk and Finance to help measure and monitor the overall company's financial drivers. You would own the monitoring for key risk and usage covenants established by our lending partners. Your goal is to keep the company's executive team informed about any potential risks to the overall growth and risk strategy for all products.

Own Investor (lender) covenants' monitoring that span across credit risk, payments, usage etc.
Build dashboards for executive consumption that measure actuals against the forecast
Build forecasting and projections framework for portfolio metrics
Prepare & present material for monthly credit meeting with executives
Perform ad-hoc RCA and remediation analysis through partnership with the relevant risk leaders (card & loan)
Support simulation of lender/portfolio covenants for major risk strategy changes
Institutionalize portfolio (card & loan) forecast and establish monitoring for the corporate model
Collaborate with the chief capital office, Finance and other business leaders to develop analysis and material for lender negotiations.
Build portfolio loss forecasting and support loss provisioning projections for Finance and Accounting

Proficient in SQL and is excited about acquiring new technical skills
Strong verbal, written communication, and presentation skills
Knowledge in Tableau, Python, R or SAS
Proficient in forecasting models like time series forecasting
Experience in Credit Card, Loans or other financial services
Passionate about solving real-world problems with data
Has an eye to look at the big picture and can think long-term
Has a growth mindset and takes pro-active ownership
Lives the 80/20 principle and gets things done
6+ years of relevant analytical experience with a bachelor's degree or
4+ year of relevant analytical experience with a master's degree in quantitative fields like (Analytics, Mathematics, Statistics, Economics, Engineering etc.)

Join one of LA's fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech
Mission driven + empowered + collaborative
Competitive pay and stock options
Unlimited PTO
Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Maternity Leave
Newly added HSA and Pet Insurance
401K Plan with Matching
Cell Phone Stipend
Casual Dress
Open door policy / Open office floor plan
Team based strategic planning + Team owned deliverables

Focus on analytics that drive collective progress and support company-wide goals
Take full responsibility for accuracy and implications of your data insights
Build and maintain strong relationships with internal stakeholders
Demonstrate agility and responsiveness in a fast paced environment
Ensure inclusivity in your analytical approach by considering diverse perspectives and impacts
Continually seek opportunities to improve and innovate in the realm of data analytics at Sunbit


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