Portfolio Analyst

Socket.dev; Georgia; Hybrid; USD 90,000 - 140,000; Full time

Benefits offered by this job

Performance bonus

Paid vacations and day-offs

Personal development plan

Job summary

Socket.dev is seeking a Portfolio Analyst to scale and optimize its credit portfolio. You will work hands-on with portfolio metrics, risk strategies, and pricing, collaborating closely with Product and Data Science to turn data into clear, impactful decisions.

Responsibilities cover credit portfolio management, risk management, and collaboration with data science teams, with an emphasis on PD/LGD/ NPL metrics, segmentation, and pricing optimization. Remote-friendly role with global impact.

Qualifications

• 3+ years of experience in analytics or portfolio analytics.
• Strong understanding of credit risks and metrics: PD, NPL, FPD, SPD, Roll Rate, CoR.
• Knowledge of probability theory and mathematical statistics.

Responsibilities

• Credit Portfolio Management: analyze and monitor key metrics; participate in product pricing; develop customer segmentation; assess impact of initiatives; optimize portfolio structure.
• Risk Management: monitor risk concentration; adjust credit policy based on data; develop loan origination processes.
• Collaboration with Data Science: formulate requirements for scoring models; analyze scoring card performance; work with cash flow forecasting models.

Skills

Analytics

Credit risk knowledge

Probability theory

Mathematical statistics

Education

Economics/Technical field degree

Tools

Excel

SQL

Python (NumPy, pandas, scikit-learn)

Job description

We’re looking for a Portfolio Analyst to help us scale and optimize our credit portfolio. You’ll work hands-on with portfolio metrics, risk strategies, and pricing, collaborating closely with Product and Data Science to turn data into clear, impactful decisions. The scope of responsibilities will include:

Credit Portfolio Management:

• Analysis and monitoring of key portfolio metrics: FPD, PD, LGD, NPL, Surplus;
• LTV assessment and active participation in product pricing;
• Development of customer segmentation strategies (e.g., by risk levels, products, acquisition channels);
• Assessment of the impact of internal initiatives on financial results;
• Optimization of the portfolio structure (balancing high-yield and low-risk loans).

Risk Management:

• Monitoring of risk concentration (e.g., by regions, products, borrower segments);
• Adjustment of credit policy based on default and early repayment data;
• Development and improvement of processes related to loan origination.

Collaboration with the Data Science Team:

• Formulation of requirements for scoring models (e.g., calibration of PD models);
• Analysis of scoring card performance and proposals for their improvement;
• Work with cash flow forecasting models.

• 3+ years of experience in analytics or portfolio analytics;
• Higher education, preferably in a technical or economics-related field;
• Strong understanding of credit risks and metrics: PD, NPL, FPD, SPD, Roll Rate, CoR;
• Knowledge and practical application of probability theory and mathematical statistics;
• Proficiency with analytical tools:
• Excel (advanced formulas, pivot tables);
• SQL (window functions, subqueries);
• Experience working with Python (basic level: NumPy, pandas, scikit-learn);
• Knowledge of regulatory requirements applicable to MFIs/Banks.

Nice to Have:

• Experience with Big Data and BI systems;
• Basic understanding of ML models (interpretation of scoring results);
• Knowledge of financial models and statements (NPV, DCF, P&L);
• Experience with A/B testing;
• Knowledge of MFI/Banking products: microloans, credit cards, credit lines.

• Remote work from anywhere in the world
• Performance bonus, paid vacations and day-offs, personal development plan
• Purpose: shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary
• Growth: thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools
• Join a diverse, inclusive team where all voices are valued, and professional growth is a priority.