Portfolio Analyst – Mortgage Risk

A Leading Global Consultancy is seeking an analytical Portfolio Analyst – Mortgage Risk to support its retail banking practice. In this pivotal role, you will be responsible for monitoring and managing the risk profile of large-scale mortgage and home loan portfolios. Furthermore, you will utilize data-driven insights to optimize collections strategies and identify early warning signals of credit deterioration. Consequently, this position is vital for protecting capital and enhancing the profitability of mortgage portfolios for our global clients.

The Portfolio Analyst – Mortgage Risk must possess a deep understanding of mortgage product lifecycles and credit bureau data. Additionally, you will lead the development of portfolio performance dashboards and conduct detailed vintage analysis to track loss trends. Therefore, the consultancy is looking for a professional with 3 to 5 years of experience in mortgage or retail credit risk. If you have excellent analytical skills and a passion for data storytelling, this Portfolio Analyst – Mortgage Risk role offers a premier professional opportunity.

Key Responsibilities

• Perform detailed monitoring of mortgage portfolios to track credit performance and delinquency trends.
• Conduct vintage analysis and roll-rate modeling to predict future loss levels.
• Utilize credit bureau and internal data to identify high-risk segments and emerging threats.
• Collaborate with the Collections team to design and test data-driven contact strategies.
• Develop and maintain automated portfolio dashboards using SQL, Python, or Power BI.
• Ensure that all portfolio reporting complies with internal risk policies and regulatory standards.
• Prepare detailed risk reports and present findings to regional portfolio managers.
• Analyze the impact of macroeconomic factors, such as interest rate changes, on mortgage risk.
• Identify opportunities for process improvement in data aggregation and reporting workflows.
• Support the broader risk team in ad-hoc analytical projects and stress testing exercises.

Requirements and Qualifications

• Graduate or Post Graduate in Finance, Economics, or Statistics.
• 3 to 5 years of experience in Mortgage Risk, Retail Credit, or Portfolio Management.
• Strong technical proficiency in SQL and MS Excel; experience with Python or SAS is a plus.
• Deep understanding of mortgage product structures and credit lifecycle management.
• Excellent analytical and problem-solving skills with high attention to detail.