MPOWER Financing - Director - Portfolio Analytics & Finance Reporting

THE COMPANY:

- MPOWER's borderless loans and scholarships enable students from around the world to realize their full academic and career potential by attending top universities in the U.S and Canada.

- As a mission-oriented fintech/edtech company, we move extremely quickly and leverage the latest technologies, global best practices, and heavy analytics to tackle one of the biggest challenges in financial inclusion. We're backed by over $150 million in equity capital from top global investors, which enables fast growth and provides our company with financial stability and a clear path to an IPO over the coming years.

- Our global team is composed of former management consultants, financial service and technology professionals, and other experts in their respective fields. We work hard, have fun, and believe strongly in our cause. For us, MPOWER's mission is personal.

- As a member of our team, you'll be challenged to think quickly, act autonomously, and constantly grow creatively in an environment where fast change and exponential growth are the norm. Ideation and implementation happen very quickly. We value feedback and emphasize personal and professional development by providing the resources you need to further your skills and grow with the company. MPOWER is committed to cultivating your strengths and curiosity and helping you make an immediate impact.

- MPOWER has been named one of the best FinTech's to work for by American Banker for the past 6 years in a row.. We are honored to be nominated by multiple agencies and publications for our leadership in Tech, diversity and social impact. We pride ourselves on being a "growth company for grown-ups," where there are no pool tables but rather great health, education, and maternity/paternity benefits instead. Our team diversity has been recognized as well; we're one of the most diverse workforces in the world in terms of nationality, gender, religion, age, sexual orientation, and educational background.

- THIS IS A FULL-TIME POSITION BASED IN BANGALORE, INDIA

THE ROLE:

- As Director, Portfolio Analytics & Reporting you will play a pivotal role in ensuring the financial health and strategic growth of loan portfolio at MPOWER. It is a key strategic role that blends rigorous financial oversight with a passion for making a difference. In this role, you will spearhead the analytical backbone that supports MPOWER's mission, ensuring that our portfolio strategies are not only sound but transformative.

- Your insights will drive decisions that directly impact the lives of international students, aligning financial goals with our broader purpose. This position offers a rare opportunity to lead in a dynamic, mission-driven environment. You responsibilities will include, but are not limited to:

- Overseeing comprehensive reviews, data validations, and rectifying discrepancies to maintain high loan data quality, collaborating with data/engineering and loan servicing teams.

- Developing and presenting portfolio analytics on a monthly and ad-hoc basis, working with senior leadership to optimize portfolio performance, assess market conditions, and guide strategic decisions.

- Leading capital planning initiatives with the FP&A team, developing and maintaining a capital plan, and providing data-driven insights to support financing and strategic decisions for long-term financial stability.

- Developing and maintaining loan cash flow and valuation models to support pricing changes, monitor unit economics, financial planning, and assist in investor/lender negotiations.

- Leading the preparation and delivery of key reports, including credit performance, securitization, and investor reporting, while ensuring accuracy, timeliness, and actionable insights. Supporting the capital markets and credit team in communicating loan portfolio performance to investors, rating agencies, and lenders.

- Managing loan sale and forward flow processes, maintaining loan cash flow models to track compliance with contractual obligations, and continuously improving ABS cash flow modeling and reporting to provide accurate financial insights.

- Overseeing periodic loan purchases by bank partners, managing warehouse financing, ensuring covenant compliance, working with the Finance team on loan portfolio valuation for financial reporting purposes, and collaborating with the capital markets and credit team on loan sale and forward flow processes. This also involves managing investor reporting and maintaining/refining loan cash flow models to ensure compliance with contractual obligations and covenants.

THE QUALIFICATIONS:

- Degree in Finance, Economics, Business, or a related field; advanced degree preferred.

- 8+ years of experience in portfolio analytics, financial reporting, or a similar role within the financial services industry

- Strong knowledge of cashflow modeling at loan level and securitizations, loan portfolio management, and warehouse financing.

- Demonstrated ability to analyze complex financial data and deliver actionable insights.

- Excellent leadership and project management skills, with experience leading cross-functional teams.

- Ability to adapt to evolving market conditions and business needs.

- Strong communication and presentation skills, with the ability to engage and influence senior leadership.