Sr. Portfolio Data Analyst

Sunbit is a financial technology company offering AI-powered pay-over-time financing and credit card products. The Sr. Portfolio Data Analyst will monitor portfolio and financial KPIs, build forecasting and executive reporting frameworks, validate data accuracy, and support risk, finance, accounting, capital markets, and operational initiatives.

Responsibilities:

• Own product monitoring that span across credit risk, payments, usage etc
• Conduct rigorous checks and balances on loan and credit card performance metrics (beginning balance, transactions, ending balance)
• Build dashboards for executive consumption that measure actuals against the forecast
• Build a forecasting and projections framework for portfolio metrics
• Prepare & present material for executives; answer complex data inquiries from external investors/lenders and assist the investor team with scenario testing
• Perform ad-hoc RCA and remediation analysis through partnership with the relevant leaders (card, loan, finance, etc)
• Support simulation of portfolio covenants for major risk strategy changes
• Institutionalize portfolio (card & loan) forecast and establish monitoring for the corporate model
• Collaborate with Capital Management, Risk, Finance, Core and Accounting and other business leaders to develop analysis and material for lender negotiations
• Collaborate with engineering and data governance to establish reliable product tapes for joint partner utilization
• Support FP&A and Accounting by validating forecasts, explaining variance discrepancies (e.g., actual vs. expected interest income), and providing financial inputs
• Reconcile General Ledger records with product tapes and trace payment flows from bank accounts down to discrete accounts

Requirements:

• Remote (must be open to occasional business travel to Los Angeles and New York as needed)
• 6+ years of relevant analytical experience with a bachelor's degree or 4+ years of relevant analytical experience with a master's degree in quantitative fields like (Analytics, Mathematics, Statistics, Economics, Engineering etc.)
• Proficient in SQL and is excited about acquiring new technical skills
• Strong verbal, written communication, and presentation skills
• Knowledge in Python, R or SAS
• Knowledge of BI tool: Tableau, Sigma, or similar
• Proficient in forecasting models like time series forecasting
• Experience in Credit Card, Loans or other financial services
• Passionate about solving real-world problems with data
• Has an eye to look at the big picture and can think long-term
• Has a growth mindset and takes proactive ownership
• Lives the 80/20 principle and gets things done