Sr. Portfolio Data Analyst

Company Overview:
One Park Financial (OPF) is a leading Financial Technology company dedicated to empowering small businesses by connecting them with a wide variety of flexible financing and funding options. Our mission is to provide entrepreneurs with the working capital they need to elevate their businesses to new heights. At OPF, we believe in working with high-performing individuals who are ready to play an integral part in our company's expansion. We know that our success hinges on our people, and we strive to enable them to do what they do best.

Why Join Us?
At OPF, we foster a dynamic and inclusive company culture that emphasizes collaboration, innovation, and personal growth. Our team is composed of passionate, driven individuals who are committed to making a difference. Here's what you can expect when you join our team:

• Innovative Environment: Work with cutting-edge technology and be part of a team that is constantly pushing the boundaries of fintech
• Professional Growth: We invest in our employees' growth with continuous learning opportunities, training programs, and career advancement paths
• Supportive Culture: Enjoy a supportive and inclusive work environment where your ideas are valued, and your contributions make a real impact
• Community Focus: Be part of a company that understands the importance of small and mid-sized businesses to their communities and the nation's financial health
• High-Performing Team: Join a team of badasses who are committed to excellence and are integral to our company's expansion and success

About This Role
The Portfolio Data Analyst at One Park Financial will play a critical role in driving risk-informed growth for our rapidly expanding financing business. You will be responsible for closely monitoring the portfolio, detecting early signs of performance shifts, and identifying opportunities for sustainable expansion.

This role requires a balance of analytical depth and strategic problem-solving. You will establish repeatable monitoring practices, iterate through analysis cycles quickly, and recommend proactive actions to leadership. Beyond analysis, you will also support initiatives to optimize credit risk strategy, partner with product and operations teams to implement policy changes, and help ensure that both growth and risk management objectives are met

The ideal candidate combines strong technical skills in SQL, Python, and Excel with a proven ability to influence executives and cross-functional partners. This position is a great fit for someone who thrives in fast-changing environments, enjoys uncovering insights in data, and is motivated to shape our financing strategy at the intersection of finance, risk, and operations.

Main Responsibilities

• Portfolio Monitoring: Develop and maintain processes to track portfolio health in real time, identifying potential degradation or improvement trends
• Loss Driver Analysis: Analyze correlations between performance and key features such as industry, credit scores, and macroeconomic conditions
• Opportunity Identification: Highlight pockets of the portfolio where risk is lower than expected, enabling growth and expansion opportunities
• Trend Detection: Continuously monitor shifts in performance data and escalate findings to executives with clear, actionable insights
• Standardization & Process Building: Create repeatable frameworks for portfolio analytics and ensure consistency in monitoring practices
• Risk Strategy Projects: Contribute to initiatives that strengthen risk policies, credit strategies, and portfolio management practices
• Operations Collaboration: Work closely with operations teams to understand front-line business processes and assist in onboarding policy changes
• Executive Communication: Translate complex analyses into clear recommendations that influence decision-making
• Advanced Analytics: (As applicable) contribute to credit risk modeling, machine learning initiatives, and forecasting projects
• Credit Analytics Projects: Support risk strategy through other credit analysis projects as necessary

Requirements

• 3+ years of experience in a data analyst, risk analyst, or portfolio analytics role
• Strong SQL skills, including window functions, common table expressions (CTEs), and subqueries
• Proficiency in Python, particularly standard data analysis libraries such as pandas and numpy
• Proven ability to monitor portfolios, run trend analyses, and provide actionable insights
• Excellent communication skills with a track record of influencing senior leadership
• Bachelor's degree in a quantitative field (Finance, Economics, Statistics, Data Science, or related)
• Nice-to-haves
• Experience in lending or financial services, particularly with loan portfolios or credit analytics
• Experience leveraging Plaid transaction data for analytics
• Exposure to machine learning techniques applied to risk modeling, forecasting, or portfolio analysis
• Experience working with executives or cross-functional teams to drive change
• Bilingual (English/Spanish) a plus

Benefits

• Competitive Salary
• 401k with Match
• Health insurance
• Dental & Vision Insurance
• Life insurance
• Identity protection
• Paid time off
• Office Snacks
• Monthly events

OPF is an Equal Opportunity Employer (EOE) and takes great pride in building a diverse work environment. Qualified applicants are considered for employment without regard to age, race, religion, gender, national origin, sexual orientation, disability, or veteran status