Director, Remote Credit Risk Analytics & Strategy

TimePayment; United States; On-site; USD 180,000 - 240,000; Full time

Job summary

TimePayment is seeking a Director of Credit Risk Analytics to build and scale our analytics capabilities, reporting directly to the Chief Credit Officer. This is a senior, hands-on role focused on translating portfolio data into actionable credit, pricing, product and risk decisions.

You will lead portfolio and vintage analytics, scorecard monitoring, CECL/reserve analytics, and governance—partnering with leadership to drive risk-adjusted profitability and data-driven strategy across the

Qualifications

• 7+ years in credit risk, lending analytics, or related field.
• Strong SQL and advanced Excel with Python experience.
• Experience with CECL, portfolio and scorecard analytics is preferred.

Responsibilities

• Develop and maintain analytic frameworks to evaluate portfolio performance across 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-drive analyses to understand drivers of portfolio performance and recommend actions.
• Support development and monitoring of credit scorecards and decision strategies.
• Evaluate scorecard performance, including calibration and population stability.
• Analyze approval, conversion and booking funnels to optimize the credit box.
• Evaluate credit-policy rules, cutoffs and exceptions for value.
• Develop champion/challenger analyses and governance processes.
• Establish scorecard-monitoring and governance processes.
• Analyze manually reviewed applications and overrides to determine improvement opportunities.
• Develop reporting on manual-review reasons, outcomes and incremental profitability.
• Evaluate risk-adjusted economics across products and segments.
• Partner with leadership on pricing and profitability interactions.
• Develop CECL and reserve process enhancements.
• Develop and improve data infrastructure for analytics.

Skills

SQL

Python

Portfolio analytics

Credit risk

Data visualization

Excel

Statistical modeling

Tools

SQL Server

Excel

Python (pandas)

Job description

TimePayment is seeking a Director of Credit Risk Analytics to build and scale our analytics capabilities, reporting directly to the Chief Credit Officer. This is a senior, hands-on role focused on translating portfolio data into actionable credit, pricing, product and risk decisions.

You will lead portfolio and vintage analytics, scorecard monitoring, CECL/reserve analytics, and governance—partnering with leadership to drive risk-adjusted profitability and data-driven strategy across the