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Grasshopper Bank · 6 days ago

Head of Portfolio Analytics

United States

Full-time

Remote

Director/Executive

7+ years exp

Grasshopper Bank is a client-first digital bank built for the business and innovation economy, seeking a strategic leader to build and own the analytical 'brain' of their credit portfolio. The Head of Portfolio Analytics will bridge raw data and business strategy, optimizing credit products and driving profitability through data-driven insights.

BankingFinanceFinancial ServicesFinTech

Responsibilities

Portfolio Intelligence: Design and maintain the 'source of truth' dashboards and reports that track portfolio health, vintage performance, delinquency trends, and unit economics

Credit Strategy Optimization: Analyze approval rates, line assignments, and pricing elasticity to recommend changes to our credit policy (the 'Buy Box')

Loss Forecasting & Provisioning: Own the models for allowance for credit losses (ACL/CECL) and stress testing. You will predict where the puck is going, not just where it has been

Data Infrastructure: Partner with Data Engineering to define data schemas and pipelines. You will likely be the primary 'power user' of our data warehouse, ensuring data integrity for analysis

Unit Economics: Deep dive into profitability at the customer and segment level, ensuring we are acquiring and retaining the right kind of volume

Monitor: Track Key Performance Indicators (KPIs) such as NCOs (Net Charge-Offs), Delinquency Roll Rates, and Risk-Adjusted Return on Capital (RAROC)

Iterate: Propose and test new credit strategies (e.g., 'challenger' models) to expand approval rates without compromising risk appetite

Report: Present monthly Portfolio Review materials to the Executive Committee and Board of Directors, translating complex data into clear business narratives

Collaborate: Work with the Product team to embed risk analytics into the customer journey (e.g., real-time credit limit increases)

Lead: As the bank grows, hire and mentor a high-performing team of data analysts and data scientists

Qualification

Credit risk analyticsSQLPython/RData visualization toolsCredit lifecycle knowledgeData infrastructureLoss forecastingAnalytical thinkingTeam leadershipCollaborationPresentation skills