Credit Risk & Portfolio Analytics Leader

First Electronic; Salt Lake City (UT); Hybrid; USD 160,000 - 220,000; Full time

Job summary

First Electronic Bank seeks a Director of Credit Risk and Portfolio Analytics to lead a team responsible for assessing, managing, and mitigating credit risk for the loan portfolio. You will develop risk tools, provide reporting to senior management, and drive CECL forecasting while strengthening risk data infrastructure.

You will collaborate with Finance, Operations, and Compliance to ensure regulatory alignment and profitable growth within risk appetite.

Qualifications

• BS degree in Engineering, Computer Science, Statistics, Economics, Finance or similar fields.
• 10+ years of data science and analytics experience including credit risk and forecasting models.
• 7+ years in regulated banking or consumer lending credit risk management including portfolio monitoring and loss forecasting, CECL a plus.
• 5+ years leading analytical teams.
• Experience with ABS risk rating/grading for creditworthiness and performance.
• Strong principles in credit risk management; able to present to Committee.
• Proven track record managing credit risk in a financial institution.
• Experience with Moody’s Impairment Studio and WARM model.
• Proficient with SQL, R, SAS, Python; BI tools Tableau/Power BI/Domo; Excel; ETL and API skills.

Responsibilities

• Develop and conduct regular in-depth analysis of consumer credit portfolios to identify risk drivers.
• Lead creation of dashboards and metrics to quantify and monitor credit risk and portfolio performance.
• Make recommendations to adjust portfolio mix to meet objectives.
• Develop and manage vintage curves (static pools) for various loan assets.
• Develop forecasting and planning models for baseline and stressed scenarios.
• Lead credit loss forecasting and CECL reserve processes with Finance.
• Manage a team of 1-3 analysts and coach for growth.
• Participate in audits related to credit risk (FDIC/UDFI) and CAMELS items.
• Drive evolution of Bank’s risk data infrastructure.

Skills

Data science

Credit risk modeling

Forecasting

Leadership

CECL

Communication with committees

Problem solving

SQL

R

SAS

Python

Tableau

Power BI

Domo

Excel

ETL

API techniques

Education

BS degree in Engineering, Computer Science, Statistics, Economics, Finance

Tools

Moody's Impairment Studio

WARM model

SQL

R

SAS

Python

Tableau

Power BI

Domo

Excel

ETL

API integration

Job description

First Electronic Bank seeks a Director of Credit Risk and Portfolio Analytics to lead a team responsible for assessing, managing, and mitigating credit risk for the loan portfolio. You will develop risk tools, provide reporting to senior management, and drive CECL forecasting while strengthening risk data infrastructure.

You will collaborate with Finance, Operations, and Compliance to ensure regulatory alignment and profitable growth within risk appetite.