Portfolio Optimization Manager

As a Portfolio Optimization Manager, you'll be part of an innovative Merchant Lending Credit team that believes in creating new value and unlocking unlimited personal growth. Our work is not zero-sum; we enable entrepreneurship and encourage personal development. We are a team that gets things done quickly and learns constantly. We operate on a low process, high trust model, and value impact over everything else. You need to be passionate about your work and committed to continually honing your skills to keep up with our pace.

This role isn't for everyone. If you're seeking a traditional corporate structure or an in-person office environment, this may not be the right fit for you. But if you thrive in a fast-paced environment, excel at solving complex problems, and embrace change (and a bit of chaos), then you're in the right place. We're looking for independent thinkers who are driven by growth and understand the bigger picture. Our mission is to improve commerce for everyone, which sometimes means serving and supporting those we may not necessarily agree with.

As a Portfolio Optimization Manager you will be responsible for driving strategic decision-making using actionable insights to foster growth and mitigate risks in financial products and strategically manage and optimize the portfolio to empower and enable Shopify merchants to grow their businesses.

How you'll make an impact:

• Uncover meaningful portfolio insights that allow us to manage risk and/or grow our lending business responsibly

• Partner with our product data team to model potential scenarios for future performance of new or expanded financing products; use your experience to assess likelihood of various outcomes

• Utilize sophisticated statistical modeling techniques to analyze portfolio performance, identify trends, and recommend data-driven solutions

• Partner with product team to develop and execute pricing strategies for financing products that support growth, manage risk, and achieve business objectives

• Lead the development of scenario analysis models based on macroeconomic conditions and product variations

• Conduct in-depth analysis of market trends, merchant behavior, and competitor pricing to inform eligibility and pricing decisions and identify opportunities for growth

• Support our funding partners' (and potential funding partners') understanding of our financing products' attributes and performance with analysis and commentary

• Collaborate closely with the Recovery team to understand Recovery's impact on the portfolio and develop strategies for managing and minimizing delinquencies.

• Coach team members responsible for generating valuable business insights, teach data analysis techniques (using SQL & Python), and partner with data scientists from both our product team and our finance team

• Develop and deliver comprehensive presentations to senior leadership, effectively communicating complex analytical findings and strategic

What you bring to the team:

• An advanced degree in statistics, economics, decision science, or a related field, with a strong emphasis on quantitative analysis and data-driven decision-making.

• Proven experience in portfolio optimization, and statistical analysis within the financial services industry.

• Knowledge of credit risk principles, underwriting practices, and regulatory requirements in the lending sector

• Expertise in advanced statistical tools and programming languages for data analysis and modeling; SQL and Python

• Strong understanding of financial markets, risk management principles, and portfolio performance evaluation metrics.

• Excellent communication and presentation skills, with the ability to translate complex data insights into actionable recommendations for diverse stakeholders.

• Demonstrated ability to lead cross-functional teams, drive strategic initiatives, and deliver measurable results in a fast-paced, data-driven environment.