Credit Risk Analytics Leader

Timepayment Corp; United States; Remote; USD 140,000 - 180,000; Full time

Job summary

TimePayment is seeking a Director of Credit Risk Analytics to build and scale the company’s credit risk analytics capabilities. Reporting directly to the Chief Credit Officer, this senior, hands-on role translates portfolio data into actionable credit, pricing, product and risk decisions.

The Director will develop a systematic, data-driven approach to managing credit risk and profitability, covering scorecards, CECL, pricing, policy testing and vendor/product performance.

Qualifications

• 7+ years of experience in credit risk, lending analytics, portfolio analytics, decision science or a related field.
• Strong SQL skills and advanced analytical capabilities using Excel and/or Python.
• Experience with credit risk analytics, portfolio analytics and decision science.

Responsibilities

• Develop and maintain analytical frameworks to evaluate portfolio performance across credit grades, products, vendors, channels, industries, ticket sizes and vintages.
• Monitor delinquency, defaults, losses, recoveries and other leading indicators of credit performance.
• Identify emerging trends, concentrations and areas of portfolio deterioration or opportunity.
• Develop recurring portfolio reporting that moves the organization toward systematic risk monitoring.
• Perform deep-dive analyses to understand drivers of portfolio performance and recommend actions.

Job description

TimePayment is seeking a Director of Credit Risk Analytics to build and scale the company’s credit risk analytics capabilities. Reporting directly to the Chief Credit Officer, this senior, hands-on role translates portfolio data into actionable credit, pricing, product and risk decisions.

The Director will develop a systematic, data-driven approach to managing credit risk and profitability, covering scorecards, CECL, pricing, policy testing and vendor/product performance.