Senior Portfolio Risk Analyst

Finance Now; Auckland; On-site; NZD 120,000 - 180,000; Full time

Job summary

Finance Now, a New Zealand financial services company and SBS Bank subsidiary, seeks a Senior Portfolio Risk Analyst to turn data into actionable insights that improve lending and collections performance.

You'll collaborate with Credit Risk, Collections, Sales, and Data & Insights to monitor portfolio indicators, identify risks and opportunities, and drive continuous improvement in reporting and processes.

Qualifications

• Proven experience in portfolio analytics or credit risk.
• Strong analytical and problem-solving skills.
• Advanced SQL skills with large datasets.
• Experience automating reporting and analytics.
• Excellent stakeholder management and communication.
• Experience in financial services is valued.

Responsibilities

• Monitor and analyse key portfolio performance indicators.
• Track delinquency, roll rates, cures, recoveries.
• Analyse application trends, vintage performance, credit quality.
• Identify emerging portfolio risks and opportunities.
• Develop and refine collections and recoveries segmentation.
• Automate portfolio reporting and analytics tools.
• Improve risk monitoring processes and procedures.
• Support strategic initiatives through analysis.

Skills

Portfolio analytics

Credit risk

SQL

Automated reporting

Stakeholder management

Data analysis

Job description

Are you passionate about using data to solve complex business challenges and improve customer outcomes?

Finance Now is seeking an experienced Senior Portfolio Risk Analyst to join our Portfolio Risk team. This is an exciting opportunity for a commercially minded risk professional who enjoys turning data into actionable insights, influencing strategy, and driving portfolio performance across lending and collections.

In this role, you'll work closely with stakeholders across Credit Risk, Collections, Sales, and Data & Insights to optimise portfolio outcomes, identify growth opportunities, and ensure risk strategies remain effective in an evolving market.

About us

Finance Now is a successful and growing New Zealand financial services company and is a subsidiary of SBS Bank. We are a Kiwi-owned and operated organisation founded in 2000, offering a range of consumer and business finance solutions. As a company that puts people first, we provide a supportive and passionate team environment and a place where people can grow. This was recognised when we were nominated as a Finalist in the 2024 and 2025 Best Places to Work survey.

About the Role

As a Senior Portfolio Analyst, you'll be responsible for providing high-quality portfolio risk analysis and reporting that informs business decisions and enhances portfolio performance. You'll work closely with stakeholders across Credit Risk, Collections, Sales, and Data & Insights to optimise portfolio outcomes, identify growth opportunities, and ensure risk strategies remain effective in an evolving market.

This is a strong opportunity for an experienced analyst who enjoys balancing deep analytical work with stakeholder engagement and strategic thinking.

What You'll Be Doing

Monitor and analyse key portfolio performance indicators across consumer and business lending.

Track delinquency, roll rates, cure rates, recoveries, and collections performance.

Analyse application trends, approval rates, vintage performance, and credit quality metrics.

Identify emerging portfolio risks and performance opportunities.

Support the development and refinement of collections and recoveries segmentation strategies.

Assess the effectiveness of existing operational strategies and recommend enhancements.

Contribute to initiatives that improve customer outcomes and portfolio profitability.

Business Partnership

Act as a trusted analytical partner to stakeholders across the business.

Translate complex data into clear, actionable insights and recommendations.

Support key strategic initiatives and project delivery through robust analysis and reporting.

Work collaboratively with external data and analytics providers to validate outputs and identify improvement opportunities.

Operational Excellence

Build, automate, and enhance portfolio reporting and analytical tools.

Drive continuous improvement in risk monitoring processes and procedures.

Improve efficiency through automation, innovation, and smarter use of data.

Contribute to the ongoing development of the Portfolio Risk team's capability and operating framework.

What You'll Bring

Proven experience in portfolio analytics, credit risk, risk management, or a related analytical discipline.

Strong analytical and problem-solving skills with the ability to interpret complex datasets and identify meaningful insights.

Advanced SQL skills and experience working with large datasets.

Experience developing automated reporting and analytical solutions.

Strong stakeholder management and communication skills, with the ability to influence decision-making through data.

Experience within financial services, lending, banking, or consumer finance will be highly regarded.

A curious mindset and a passion for continuous improvement