Principal Portfolio Risk Analyst

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full-time

Posted on: 9/6/2025

Origin: • 🇺🇸 United States • Massachusetts

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💰 $105,000 - $168,000 per year

Lead

PythonSQLTableau

About the role

Develop and refine credit risk policies and frameworks to ensure the health of the lending portfolio
Monitor portfolio performance and provide insights on emerging risks, trends, and opportunities
Partner with Product, Finance, Data Science, and Operations to launch and scale new lending products responsibly
Define credit strategies that align with growth targets while maintaining risk appetite
Support pricing, underwriting, and account management strategies to optimize customer acquisition and retention
Build and enhance risk models (scorecards, forecasting, loss models) leveraging advanced analytics
Perform deep-dive portfolio analyses to support data-driven decision-making
Evaluate external data sources, credit bureaus, and alternative data providers to strengthen risk assessment
Ensure alignment with regulatory requirements and internal risk management frameworks
Provide clear documentation and reporting to senior leadership and stakeholders
Represent credit risk in cross-functional governance forums and committees

8+ years of experience in a credit risk strategy and analytics role preferably in financial services or fintech
Masters Degree or higher in a quantitative field (Mathematics / Statistics / Economics / Finance / Operations Research, etc)
Proven track record in managing and scaling lending products across lifecycle stages
Strong proficiency in statistical/analytical tools (SQL, Python, R, SAS, or similar) and data visualization tools (Tableau, Hex, or similar)
Experience with credit risk analytics/modeling, stress testing, and portfolio management
Proficient verbal and written communication skills for interpreting analytic results to technical and non-technical audiences
Exceptional problem-solving and critical-thinking ability
Strong communication skills with the ability to influence stakeholders across all levels
Leadership presence with experience mentoring analysts or leading cross-functional initiatives