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Servicing Portfolio Analyst

Charlotte, NC

About Figure

Figure is maximizing the value of homeownership in ways that benefit consumers and the industry alike. We’re helping homeowners tap their liquidity easily, efficiently and reasonably for purpose-driven, significant expenditures – everything from dream home renovations and debt consolidation to small business formation.

In seven years, we’ve become the country’s #1 non-bank HELOC lender. As a financial technology firm operating at the intersection of regulation and transformation, we’re a “unicorn” – a group of fewer than 1000 companies globally that is valued at $1B or more and has been in operation for less than ten years. 

Our mission requires us to have a creative, team-oriented, and supportive environment where everyone can do their absolute best. We are motivated, innovative, collaborative, and curious. We value individuals who bring a problem-solving mindset to every task. Every day at Figure is a journey in continuous learning combined with a focus on getting work done that makes a difference. Join us!

Wealthfront Career-Launching Company 

Figure Series D Announcement

About the Role

The Servicing Portfolio Analyst position is an emerging role with influence on loan portfolio management and is essential to the organization's ability to scale. The position will be responsible for our servicing portfolio management, research, and analysis. This position will report to the Servicing Portfolio Manager. You will be the key provider of accurate loan portfolio data to the entire company. 

What You’ll Do

  • Monitor and analyze the performance of our existing loan servicing portfolios, identifying trends and risks. Perform detailed analyses of portfolio risks, including various risk factors and their correlations. Design monitoring systems to detect and mitigate potential risk behaviors. Prepare comprehensive reports and present findings to support informed decision-making. 
  • Establish key performance indicators (KPIs) and regularly monitor the effectiveness of default strategies, making data-driven adjustments as necessary.  Analyze default trends, customer behavior, and economic factors to develop effective default management strategies.
  • Conduct research on market conditions, industry trends, and regulatory requirements relevant to our lending portfolio. Stay updated on industry best practices and emerging trends in the industry.
  • Assists with driving the accountability to key performance metrics across the portfolio
  • Collaborates with the Senior Portfolio Manager, Directors, and other  team members on key strategic initiatives
  • Collaborate with colleagues across different departments, including but not limited to lending, underwriting, loan administration, and credit  to ensure compliance with internal policies and external regulations.
  • Assist in due diligence activities, including site visits, document reviews, and verification of vendor/subservicer provided information.
  • Prepare comprehensive reports and presentations on portfolio performance.
  • Accurately reconcile servicing portfolios – audit accounting and invoice data for accuracy and reasonableness, identify and resolve transactional discrepancies in a timely manner using multiple data sources, and track outstanding issues and ensure resolution.
  • Respond to data requests from internal and external sources

What We Look For

  • Bachelor’s degree (Finance, Economics, Statistics, Business Administration, Accounting preferred) or equivalent
  • Exceptional analytical and problem-solving skills with a keen eye for detail.
  • Experience in analyzing complex problems and translating them into an analytical approach
  • Experience with Loan Management Systems preferred
  • 3+ years of experience in portfolio analysis, financial analysis, or a related analytical role in consumer finance, mortgage or HELOC preferred
  • Strong proficiency in data analysis tools and software (e.g., Excel, SQL, or similar).
  • Strong communication and writing skills
  • Strong leadership, stakeholder management, communication, partnership, and teamwork skills
  • Knowledge of Tableau helpful, but not required.

Salary

  • Compensation Range: $70,000 - $82,000
  • Quarterly 25% bonus target
  • Equity stock options package
  • This is the compensation range for the United States, actual compensation may vary based on individual candidate experience, location, or evolving business needs

Benefits

  • Comprehensive health, vision, and dental insurance with 100% employer-paid premiums for employees and their dependents on select plans
  • Company HSA, FSA, Dependent Care, 401k, and commuter benefits
  • Employer-funded life and disability insurance coverage
  • 11 Observed Holidays & PTO plan
  • Up to 12 weeks paid family leave
  • Continuing education reimbursement

Depending on your residential location certain laws might regulate the way Figure manages applicant data. California Residents, please review our California Employee and General Workforce Privacy Notice for further information. By submitting your application, you are agreeing  and acknowledging that you have read and understand the above notice.

Figure will not sponsor work visas for this position. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification form upon hire. 

#LI-EK1 #LI-Hybrid

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