2-5

Financial Analyst

5/5/2026

Responsible for monitoring credit performance, risk management, and delinquency of a home improvement loan portfolio. The role involves developing strategies to optimize loan performance and providing reporting to executive leadership.

Working Hours

40 hours/week

Company Size

51-200 employees

Language

English

Visa Sponsorship

About The Company

Watercress Financial’s leadership team brings decades of experience supporting residential home improvement contractors and the homeowners they serve. We’re more than just a financing partner—we’re a performance partner that helps contractors close more projects, streamline the sales process, and offer flexible payment solutions to their customers. What truly sets us apart is our people. From our sales and operations teams to our contractor and customer support staff, every interaction is built on expertise, responsiveness, and a commitment to helping our partners succeed. OUR MISSION: • To provide home improvement professionals with a range of payment and financing products to help grow their business. • To provide homeowners payment options that ensure they make smart financial decisions for their home improvement projects. • To provide opportunities for our employees and business partners to meet their career and business objectives. We live this mission by doing the right thing, the right way—with respect, always.

About the Role

Description

The consumer credit Financial Analyst is responsible for the ongoing credit performance, risk management and delinquency monitoring of the company’s home improvement loan portfolio. This role contributes heavily to the end-to-end monitoring, analysis, and optimization of loan performance, ensuring that repayment, delinquency, cure rates, and charge-offs remain within the company’s risk appetite and financial targets.

The Financial Analyst is a member of the analytical credit risk team focused on development, testing and implementation of new or enhanced strategies to improve future loan portfolio performance.

Watercress Financial is a home improvement lender originating across the United States. Candidates should be comfortable working in a highly entrepreneurial company where smart ideas, fast analysis, and thinking ahead are high-value personal traits.

RESPONSIBILITIES

Create and maintain monitoring reporting for consumer loan portfolio performance
Provide analysis and back-testing to minimize delinquency and charge off, while optimizing loan approval, look-to-book rates, and repayment rates.
Detect emerging credit risk trends in the economy, market or portfolio, and provide strategic recommendation to reduce credit risk or optimize profitability
Provide transparent, defensible reporting to executive leadership and risk committees
Create, maintain and enhance: loan loss forecasting, prepayment models, roll rate analysis, transition rate analysis.

QUALIFICATIONS

4yr degree Finance, Accounting, Engineering, Actuarial, Com-Sci or other analytical field (Associates Degree with commensurate experience also considered)
Two or more years in a consumer lending portfolio management, FP&A, risk, data analysis/modeling or similar role
Confident working independently , detailed oriented
Strong working knowledge of: credit bureau data, consumer loan portfolio, loan repayment and delinquency behavior

KNOWLEDGE AND SKILLS

Experience with consumer loan capital markets, FP&A, loan securitization
MS Excel, Microsoft Power stack (PowerBI, PowerQuery, PowerPivot, PowerAutomate) and SQL
MLL, boosted/ensemble and/or chat models

Key Skills

Credit Risk ManagementFinancial AnalysisSQLPower BIPower QueryPower PivotPower AutomateMS ExcelLoan Loss ForecastingPrepayment ModelingRoll Rate AnalysisTransition Rate AnalysisConsumer LendingData ModelingMachine LearningPortfolio Management