SR Risk Analyst - Lending & Card Servies

Job Summary The Senior Risk Analyst: Lending & Card Services supports credit and fraud risk management across Populus Financial Group's card services and consumer lending portfolios. This role focuses on model monitoring, underwriting policy execution, and portfolio analytics, partnering with senior risk leadership to deliver data-driven insights and support sound risk decisions. This is a hands-on analytical role.The ideal candidate is analytically driven, detail-oriented, and curious, with strong data skills and an eagerness to learn in a fast-paced environment.Major Responsibilities Monitor credit and fraud model performance across lending and card services portfolios, including approval rates, losses, fraud outcomes, and stability metrics.Execute ongoing model monitoring and reporting, identifying performance shifts, emerging risks, and trends requiring escalation.Support credit policy and underwriting model initiatives, including rule testing, feature analysis, validation, and performance monitoring.Perform ad-hoc analytics to identify emerging risk trends, segment performance, and opportunities to improve predictive accuracy.Analyze lending portfolio performance, including delinquency migration, loss trends, and origination quality.Support card services risk analytics related to prepaid, DDA, ACH, transactions, KYC, and fraud activity.Develop and maintain dashboards and recurring reports for key risk indicators (KRIs) and portfolio performance.Partner with Fraud, Compliance, Product, Marketing, and Data teams to support risk initiatives and ensure aligned execution.Prepare clear analytical insights and recommendations for senior risk leadershipMaintain documentation for models, policies, monitoring results, and analytical processes to support governance and audits.Present analytical findings to the Manager and Director, providing insights that support data-driven decisions.Key CompetenciesAnalytical and Quantitative ThinkingCredit Risk and Fraud Risk FundamentalsModel Performance Monitoring and InterpretationUnderwriting Policy and Decision Rule AnalysisData Management, Quality, and AccuracyProgramming and Analytical Tools (SQL, SAS, Python, or R)Data Visualization and Executive-Ready ReportingCollaboration and Cross-Functional PartnershipProblem Solving and Critical ThinkingInteractionsDirect Report TitleNumberIndirect Report TitleNumberOther Internal/External InteractionsMinimum Qualifications Bachelor's degree in a quantitative or business-related field.3-5 years of experience in risk analytics, credit risk, fraud analytics, lending, or payments.Strong proficiency in SQL and at least one of the following: SAS, Python, or R (required).Hands-on experience supporting model monitoring, underwriting policy, or risk decision rules in a production environment.Experience with BI tools such as Tableau or Power BI.Strong analytical, communication, and problem-solving skills.Ability to work with large datasets and synthesize findings into actionable insights. Strong communication and presentation skills, with the ability to explain complex data clearly. Demonstrated curiosity and initiative to identify trends, patterns, and improvement opportunities.Physical DemandsThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the major responsibilities.While performing the duties of this job, the employee is regularly required to sit, stand or walk; use hands to finger, handle, or feel; reach with hands and arms; stoop or bend; and talk or hear. The employee must occasionally lift and/or move up to 50 lbs. Must have appropriate vision to see up close, and at a distance with ability to adjust vision and focus. Position Type/Expected Hours of WorkThis is a full-time position. Days and hours of work are Monday through Friday, 8:00 a.m. to 5:00 p.m. This position might require long hours and weekend work.TravelMinimal travel required.Work EnvironmentThe work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in some work environments can be moderate.DisclaimerThe above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted, as a comprehensive inventory of all duties, responsibilities, qualifications required of employees assigned to this job.EEO StatementPopulus Financial Group is an equal opportunity employer and complies with all applicable federal, state, and local fair employment practices laws. In compliance with applicable law, Populus Financial Group does not discriminate against any applicant or employee on the basis of race, color, religion, creed, sex, sexual orientation, gender (including gender nonconformity and status as a transgender or transsexual individual), national origin or ancestry, ethnicity, age, physical or mental disability, citizenship, past, current, or prospective service in the uniformed services, genetic information, pregnancy status, or any other protected classification. This policy applies to all terms and conditions of employment, including, but not limited to, hiring, training, promotions, discipline, compensation, benefits, and termination of employment.

Created: 2026-05-09