Hybrid Portfolio Risk Analyst (Data Scientist) Portfolio Risk Analyst (Data Scientist) with verification

iBusiness Funding is a technology company focused on our mission to provide working capital to small and medium sized businesses in an efficient and transparent manner. We are a leading provider of lending solutions for banks and lenders of all sizes with a specialization in SBA lending. The company is dedicated to streamlining the business lending process to allow lenders to efficiently deliver capital to small and medium-sized businesses. iBusiness Funding has processed over $6 billion in SBA loans to date, and the team processes over 1,000 business loan applications through its platform daily. We are committed to our four values of success: innovation, integrity, enjoyment, and family.

Our parent company is a top 15 SBA 7(a) preferred lender with SBA express and small loan capabilities.

Position Description and Major Areas of Responsibility:

We are looking for a portfolio risk analyst/data scientist join our team and contribute to the development of small business loan lending portfolio management. In this role, you will:

• Collect, analyze, and interpret risk data to identify trends and patterns that could impact the lending portfolio.
• Develop and maintain portfolio management models and tools to evaluate the creditworthiness of small business loan applicants.
• Monitor and report on key risk indicators, providing actionable insights to senior management.
• Prepare detailed risk reports and presentations for internal stakeholders, highlighting potential risks and recommended mitigation strategies.
• Conduct loss forecasting analysis for the internal portfolio and provide support in interactions with internal finance, collections, capital markets teams, and external investors.
• Perform cash flow and prepayment analysis to calculate net present value and other time value metrics.
• Interact with multiple parts of the business, and various stakeholders to provide expert insight on portfolio risk assessment.
• Work with the credit strategy and customer analytics teams to simulate the portfolio performance with proposed strategies.
• Support ad-hoc risk analysis and projects as required.

Education and Experience:

• Strong analytical background with data-driven decisioning mindset.
• A bachelor’s degree, in Mathematics, Statistics, Finance or a related field. A master’s degree or professional certification (e.g., CFA, FRM) is a plus.
• 1+ years of experience in risk management, data analysis, or a similar role is preferred, particularly within the financial services or lending industry.
• Experienced in credit risk analysis or model development, ideally from a financial company utilizing cutting-edge technology.
• Strong analytical skills with proficiency in data analysis tools and software (SQL, Python and R).
• Knowledgeable about risk management principles and practices, particularly in the context of lending.
• A real team player with the ability to collaborate effectively, even in a remote work environment.
• Equipped with strong communication skills, capable of engaging with multiple stakeholders across the business.

United States, Remote, Base salary range of: $100,000 - $130,000 + benefits

Conclusion:

This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. This job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities, or working conditions associated with the position.

The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, genetic information, or any other characteristic protected by law.