Credit Risk Analyst - Portfolio Management

When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being.

Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.

Office Location

• Atlanta, GA

Work Culture

We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You’ll be empowered to lead, grow, and make an impact.

The Role

• What a day looks like:

The Risk Analyst, Portfolio Management, will support portfolio management strategy and key initiatives across the consumer credit risk lifecycle. This role is responsible for evaluating portfolio performance, identifying emerging credit trends, recommending strategic actions to senior leadership, and supporting initiatives that drive profitable growth and disciplined risk management. Key areas of focus include account management and/or acquisitions, pricing, credit bureau attributes, P&L drivers, portfolio scoring, and collections.

This position reports directly to the Vice President.

Key Responsibilities

• Support end-to-end credit portfolio management strategies, including credit line increases and decreases, second-account acquisitions and account management, usage programs, over-limit authorization strategies, high-risk account management, retention, reissue, and related portfolio initiatives.
• Monitor portfolio performance through ongoing review of asset quality reporting, delinquency, and loss trends.
• Develop and present periodic credit risk updates, portfolio performance reviews, and strategic recommendations to senior leadership.
• Design, develop, and evaluate new portfolio tests, strategies, and performance management initiatives.
• Support the development, implementation, and ongoing monitoring of portfolio risk management models.
• Partner cross-functionally with marketing, operations, technology, finance, and other business teams to ensure portfolio strategies align with broader organizational goals.

• You’re a great fit if you have:

• Bachelor’s degree in Finance, Business, Mathematics, Statistics, Economics, or a related field.
• 0-4 years of relevant consumer credit risk experience within US consumer lending. Experience with US consumer credit cards is strongly preferred.
• Cross-functional experience in areas such as portfolio management, acquisitions, loss forecasting, marketing, pricing, and profitability analytics is a plus.
• Solid working knowledge of SAS, SQL, Python, or similar programming tools.
• Strong analytical, interpretive, and problem-solving skills, with the ability to develop practical solutions to complex business challenges.
• Some understanding of P&L dynamics and key profitability drivers within consumer lending.
• Excellent written and verbal communication skills, with the ability to translate complex analysis into clear, actionable business insights.
• Demonstrated ability to collaborate effectively with business partners across marketing, operations, technology, finance, and risk functions.

Why You’ll Love Working Here

This isn’t just a job, it’s a place to lead, grow, and thrive. If you believe in your skills and drive, we’ll provide the resources and support to help you succeed.

Benefits include:

• Generous PTO and holiday schedule
• 401(k) with company match
• Employee stock purchase plan
• Ongoing training (lunch & learns, financial and health webinars)
• Team volunteer outings

Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status.