Data-Driven Portfolio Manager, Fintech Credit

Marathon Talent; United States; Remote; USD 120,000 - 180,000; Full time

Job summary

R2 is seeking a Portfolio Manager (IC4) in the United States to own the credit portfolio end-to-end, track performance, and drive data-driven decisions. You will work hands-on with SQL to extract and analyze portfolio data and apply statistical reasoning to portfolio questions.

Ideal candidates have ~7 years in credit risk or lending, strong underwriting experience with large merchant credits, and comfort collaborating with US/LatAm teams across time zones.

Qualifications

• ~7 years of experience in credit, lending, credit risk, business analytics, or lending institution.
• Experience in a fintech, payment processor, POS provider, or bank credit risk — real lending/credit exposure is essential.
• Hands-on underwriting experience, ideally with large/high-ticket merchant credit, and the ability to work at scale (mass evaluation, not manual case-by-case).
• Strong data analysis SQL and or Python — this is the core technical requirement.
• Statistical / data literacy — comfortable with fundamentals of statistics and data analysis and model interpretation.
• Comfort using AI tools is a plus.
• Prior experience working with US or LatAm teams across time zones and cultures is a strong plus.

Responsibilities

• Own monitoring the credit portfolio: vintages, losses, originations, NPL by cohort, and profitability.
• Evaluate and underwrite high-ticket merchant credit facilities (tickets of USD 100K–200K and above) at scale — not one loan at a time.
• Define and track business metrics: loss, yield, profitability, portfolio construction and health.
• Work hands-on in SQL to extract, structure, and analyze portfolio data independently.
• Apply statistical reasoning to portfolio questions.
• Partner closely with the business team and handle a degree of client interaction.
• Generate findings and transform them into presentations for a larger audience
• Automate monitoring KPIs of this portfolio

Skills

SQL

Python

Credit risk

Underwriting

Data analysis

Statistical reasoning

Portfolio management

Stakeholder communication

Tools

SQL

Job description

R2 is seeking a Portfolio Manager (IC4) in the United States to own the credit portfolio end-to-end, track performance, and drive data-driven decisions. You will work hands-on with SQL to extract and analyze portfolio data and apply statistical reasoning to portfolio questions.

Ideal candidates have ~7 years in credit risk or lending, strong underwriting experience with large merchant credits, and comfort collaborating with US/LatAm teams across time zones.