VP, Credit Risk & Portfolio Analytics

BasePoint Group Inc.; New York (NY); In loco; USD 200.000 - 320.000; Tempo pieno

Descrizione del lavoro

BasePoint Group Inc. seeks a seasoned executive to own portfolio-level credit strategy, analytics, and model governance for its consumer and commercial portfolios. You will partner across policy, underwriting, compliance, and operations to embed controls and ensure strong portfolio performance.

The role emphasizes leadership in credit scoring, loss forecasting, and surveillance, with cross-functional execution to translate policy into realized results and investor-ready reporting.

Competenze

• 10+ years of progressive credit risk experience with leadership in analytics or portfolio management.
• Deep hands-on experience in small business lending or credit platforms at scale.
• Strong command of credit modeling, governance, and data science applications to portfolios.
• Experience with workout/recovery strategies and regulator/investor expectations.

Mansioni

• Set portfolio targets by originator, industry, geography, ticket size, duration, and pricing.
• Lead design, validation, and deployment of credit scoring, pricing, loss forecasting, and portfolio analytics models.
• Own model governance: documentation, back-testing, monitoring, recalibration, validation.
• Drive analytics deployment into production decisioning and dashboarding for portfolios.
• Oversee surveillance, performance attribution, watchlists, workouts, and recoveries.
• Monitor vintage performance, originator cohorts, sector concentrations, and macro sensitivities.

Conoscenze

Credit risk leadership

Portfolio management

Credit analytics

Model governance

Machine learning

Regulatory compliance

Cross-functional collaboration

Originator/portfolio strategy

Formazione

Bachelor's degree

MBA or quantitative graduate degree

Descrizione del lavoro

Job Overview

The VP, Credit Risk & Analytics owns portfolio-level credit strategy, credit analytics and model governance, and portfolio surveillance and workout management for BasePoint’s consumer and commercial business. This role partners closely with the VP, Conduit Credit Policy & Underwriting to ensure underwriting policy translates into strong realized portfolio performance, and works cross-functionally with Compliance, Legal, and Operations to ensure credit-related controls and regulatory obligations are embedded throughout the credit lifecycle.

Job Requirements

• Set target portfolio composition for the business line by originator, industry, geography, ticket size, duration, and pricing, and partner with the Originations leader to evaluate new originator pipelines and product extensions through a credit-risk lens.
• Lead the Credit Analytics function: design, validate, and deploy credit scoring, pricing, loss forecasting, and portfolio analytics models, combining machine learning, traditional credit judgment, and originator-specific intelligence.
• Own model governance, including documentation, back-testing, ongoing monitoring, recalibration, and independent validation, in line with regulatory and investor expectations.
• Drive deployment of analytics into production decisioning, originator scorecards, early-warning indicators, and portfolio dashboards.
• Own portfolio management for the assigned portfolios: surveillance, performance attribution, watchlist management, workouts, and recoveries.
• Maintain rigorous monitoring of vintage performance, originator cohort trends, sector concentrations, and macroeconomic sensitivities, and recommend portfolio actions, pace, mix, repurchases, restructurings, to optimize risk‑adjusted return within liability constraints.
• Partner with the VP, Conduit Credit Policy & Underwriting to close the loop between underwriting policy and realized portfolio performance, flagging where credit box or guardrails need to adjust based on observed portfolio outcomes.
• Partner with the VP, Capital Markets, Credit to ensure portfolio performance data, model outputs, and surveillance reporting are accurate and investor/rating-agency ready.
• Partner with Compliance, Legal, and Operations to ensure credit policies, controls, and regulatory obligations are embedded throughout the credit lifecycle.

Required Experience & Skills

• 10+ years of progressive credit risk experience, including direct leadership of credit analytics/modeling and/or portfolio management functions.
• Deep, hands‑on experience in small business lending at scale — merchant cash advance, revenue-based financing, SBA, equipment finance, working capital loans, or comparable products.
• Track record managing portfolio performance across a multi-originator or platform‑style program (conduit, forward‑flow, securitization platform, or marketplace lending balance sheet).
• Strong command of credit modeling, model governance, and application of data science/machine learning to portfolio management.
• Experience with workout and recovery strategy for distressed or underperforming accounts.
• Bachelor’s degree required; MBA, FRM, or quantitative graduate degree preferred.

Qualifications

• Strong understanding of credit risk and portfolio management principles relevant to specialty finance.
• Comfort operating in a fast‑paced, technology‑driven environment with iterative model and policy development.
• High integrity, with a strong commitment to credit discipline, governance, and the long‑term health of the portfolio.