Commercial Portfolio Risk Manager
7 days ago
Company Overview
Salt is a pioneering fintech company revolutionizing financial services through cutting-edge technology and data-driven insights. Our mission is to provide seamless financial solutions while optimizing every stage of the lending journey.
We're looking for a talented Senior Commercial Analyst to drive data science-led decision-making, optimize collections strategies, and predict risk patterns that fuel sustainable portfolio management.
- Laptop and software provided
- Hybrid work setup with flexible hours
Job Description
As a Portfolio & Impairments Analyst, you'll be at the heart of loan performance analytics, using predictive modeling, machine learning, and risk segmentation to enhance collections, minimize bad debt, and drive profitability.
Key Responsibilities:
- Monitor and analyze loan behavior trends post-funding, identifying risks in arrears, defaults, and recoveries.
- Develop risk segmentation models using ML techniques to predict loan performance.
- Conduct delinquency analysis and assess macroeconomic impacts on portfolio performance.
- Collaborate with credit risk teams to enhance underwriting strategies using predictive insights.
Required Skills and Qualifications
To succeed in this role, you'll need:
- Postgraduate Degree in Statistics, Actuarial Sciences, or Data Science
- 3+ years' experience in data analytics, marketing analytics, or data science
- Strong proficiency in Python, R, and PostGresSQL for data analysis and modeling
- Expertise in credit risk, impairment forecasting, and expected credit loss modeling
- Data visualization skills using Tableau, Redash, or Looker
Benefits
You'll enjoy:
- Fast-paced, high-growth fintech environment
- Work with cutting-edge AI & machine learning models
- Make a real impact on business profitability and strategy
- Hybrid work setup with flexible hours
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