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BMG Money · 6 days ago

Financial Analyst

United States

Full-time

Remote

Mid Level

3+ years exp

BMG Money is hiring a Financial Analyst to support their unsecured consumer lending platform through credit analytics and capital markets execution. The role involves credit modeling, investor reporting, and ensuring smooth operation of financing facilities while maintaining alignment within internal teams.

FinanceFinancial ServicesPersonal Finance

Responsibilities

Builds and maintains credit performance analytics for unsecured consumer portfolios, including vintage/cohort views, delinquency roll rates, and charge-off tracking

Develops scenario and sensitivity analyses to quantify the impact of underwriting and policy changes on portfolio cash flows and losses

Creates decision-ready views that translate performance drivers into expected outcomes for stakeholders in Credit, Risk, and leadership

Supports day-to-day execution for warehouse lenders and forward flow partners, including recurring reporting and performance discussions

Owns borrowing base and eligibility reporting, including loan tape preparation, eligibility flags, concentrations, and tie-outs to source systems

Maintains clean partner deliverables and repeatable processes to ensure consistency month-to-month

Produces and QAs monthly investor/lender reporting packages, including servicing reports and compliance certificates

Tracks and monitors covenants and triggers across facilities, such as concentration limits, performance triggers, and liquidity covenants

Maintains a covenant calendar and internal tracker with clear ownership, due dates, and escalation paths

Acts as a connective tissue across Credit, Servicing, Data/BI, Accounting, Treasury, and Legal/Compliance to deliver analysis on time

Runs workstreams by defining requirements, timelines, milestones, and providing weekly status updates

Improves processes through automation and controls, including reconciliation checklists and documented SOPs

Qualification

Credit AnalyticsSQLExcel/Google SheetsInvestor ReportingProject ManagementAnalytical SkillsPython/RLooker/BI DashboardsFintech ExperienceCommunication Skills