Lead Credit Risk & Portfolio Analytics

First Electronic Bank; Salt Lake City (UT); On-site; USD 140,000 - 210,000; Full time

Job summary

First Electronic Bank seeks a Director of Credit Risk and Portfolio Analytics to lead a team focusing on credit risk assessment, modeling, and portfolio optimization. You will develop risk tools, monitor performance, and present findings to senior management to drive profitable growth within risk appetite.

The role requires extensive experience in data science, credit risk management, and leadership, with hands-on work in forecasting, CECL, and risk data infrastructure.

Qualifications

• BS degree in Engineering, Computer Science, Statistics, Economics, Finance, or similar fields.
• Advanced quantitative or technical degree preferred.
• 10+ years of data science and advanced analytics experience including credit risk and forecasting models.
• 7+ years in regulated banking or consumer lending credit risk management with portfolio monitoring, static pool analysis and loss forecasting (CECL a plus).
• 5+ years leading analytical teams.
• Experience with ABS risk rating/grading for creditworthiness and performance for priced tranches.
• Strong understanding of credit risk management principles and risk strategies for committees.

Responsibilities

• Develop and monitor consumer credit portfolios to identify risk drivers for growth and mitigation.
• Create metrics and dashboards to quantify credit risk and portfolio performance for committees.
• Recommend portfolio mix adjustments to meet investment objectives.
• Develop and maintain vintage curves (static pools) for payments and losses across loan assets.
• Forecast and plan models for base and stressed scenarios to predict outcomes.
• Lead credit loss forecasting and CECL reserve processes with Finance support.
• Manage a team of 1–3 analysts and coach staff for performance and growth.
• Support audits (FDIC, UDFI) and drive risk data infrastructure improvements.

Skills

SQL

R

SAS

Python

Tableau

Power BI

Domo

Excel

CECL

credit risk

data analytics

leadership

communication

ETL

APIs

Moody's Impairment Studio

Education

BS in Engineering/CS/Statistics/Economics/Finance

Tools

Moody's Impairment Studio

WARM model

Job description

First Electronic Bank seeks a Director of Credit Risk and Portfolio Analytics to lead a team focusing on credit risk assessment, modeling, and portfolio optimization. You will develop risk tools, monitor performance, and present findings to senior management to drive profitable growth within risk appetite.

The role requires extensive experience in data science, credit risk management, and leadership, with hands-on work in forecasting, CECL, and risk data infrastructure.