Portfolio Monitoring & Risk Analysis Track portfolio performance metrics including delinquency, roll rates, losses, and utilization. Perform trend, vintage, and cohort analysis to identify early risk signals. Support creation and maintenance of risk dashboards and MIS. Assist in diagnosing portfolio performance changes and segment-level risk drivers. Strong working knowledge of SQL/SAS; exposure to Python preferred. Experience working with large datasets. Experience with Tableau or PowerPoint for visualization and reporting. Understanding of consumer credit risk fundamentals. Ability to interpret data and explain results clearly. Structured thinking and attention to detail. Problem-solving skills to identify, analyze, and challenge basic problems. Familiarity with data interpretation and ability to challenge decisions based on data analysis. Ability to interpret data, make sound decisions, and challenge the basis of the analysis. Willingness to learn and take increasing ownership. Ability to work collaboratively across teams. Clear and concise written and verbal communication. Basic understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies. Adds value and contributes to the success of the team. Ability to work with little direction and in a team. Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Portfolio Credit Risk Management ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Analyze performance of new account vintages by channel, product, and segment. Support evaluation of acquisition strategies to balance growth and risk. Prepare analytical summaries for discussions with business and marketing teams. Support analysis for credit underwriting policy changes. Assist in evaluating approval rate vs loss trade-offs. Participate in champion-challenger analysis for policy and strategy updates. Support loss forecasting and scenario analysis under guidance. Assist in assessing portfolio sensitivity to macroeconomic changes. Perform ad-hoc analyses to support risk reviews and management requests. Prepare clear, structured presentations for senior analysts and managers. Support documentation for risk governance and audit requirements. Participate in regular risk review forums as an analytical contributor.