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AlphaFlow Optimized Portfolios - For Truly Passive Real Estate Investing

Director of Credit, Risk

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About the Role
We are building a world-class investment management platform and the Director of Credit, Risk will be a key addition to our highly efficient, fast-moving investment group. You will start from portfolio risk management analytics and expand to tackle challenging business problems, including credit policy development and underwriting optimization. An ideal candidate will apply critical thinking skills and advanced data manipulation techniques to simplify complex business problems.

You will tackle challenging business problems including: risk modeling, asset valuation, process optimization, and price sensitivity. An ideal candidate should be able to utilize advanced data manipulation and machine learning techniques to solve complex business problems. You’ll also have to work cross-functionally with Product, Engineering, Underwriting, and many other departments to co-pilot various major initiatives.

This position reports directly to the VP of Credit.

- Develop and maintain innovative models for underwriting residential real estate bridge loans. Employ thorough statistical analysis of the underlying data and an understanding of the various macroeconomic and risk factors that impact the credit quality of loans.
- Develop models for doing portfolio analytics, such as loss forecasting, collection likelihood, and fraud detection
- Conduct in-depth analysis on portfolio characteristics and performance trends, identify root causes for places where the current strategies fall short and create actionable recommendations
- Continually explore and iterate on statistical models and features to advance our understanding of key underlying business drivers
- Perform in-depth, rigorous ad-hoc analysis to derive meaningful insights executive management can clearly act upon
- Define, create, and improve metrics and dashboards that precisely and accurately measure the real-time health of loan portfolios
- Drive improvements in business outcomes by testing new and different strategies through systematic planning and execution of experiments
- Build and implement tools to automate and/or simplify analytics, reporting, and potentially operations procedures
- Work cross-functionally to enhance our data capture process and infrastructure

- Bachelor’s degree in Math, Statistics, Economics, Finance, Physics, Computer Science, or a related quantitative discipline
- 2+ years’ experience in an analytical role at an investment firm, commercial bank, investment bank, consulting firm, or technology company
- Ability to comfortably manipulate, validate, and analyze large datasets
- High intellectual curiosity to always ask “why”
- Ability to apply analytical insights quickly to day to day work
- A mindset to think critically, challenge the status quo, and not take things for granted just because they exist
- Ability to partner, collaborate, and communicate well with a diverse set of colleagues, both technical and non-technical, at all levels of the organization
- A resourceful and pragmatic approach to problem-solving and recognition that the best solutions are sometimes the simplest
- Incredible attention to detail while also applying the 80/20 rule in the right situations
- The drive to build something new and meaningful

Nice to Haves:
- In-depth experience in using SQL, R, or Python
- Fintech experience
- Experience with residential mortgage models, especially with mortgage underwriting, scoring, default, or prepayment
- Investment experience

AlphaFlow is proud to be an equal opportunity workplace and is an affirmative action employer. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or Veteran status.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

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