Vice President 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 - Located in the Queen Building (King & Queen Towers Sandy Springs) with easy access to I-285 GA-400 and a free shuttle to MARTA.

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

Vice President Portfolio Management

Position Summary

The Vice President Portfolio Management will manage portfolio management strategy and oversee key initiatives across the consumer credit risk lifecycle. This role is responsible for evaluating portfolio performance identifying emerging credit trends recommending strategic actions to executive leadership and supporting enterprise-level initiatives that drive profitable growth and disciplined risk management.

The ideal candidate will bring a strong combination of strategic thinking quantitative analytics financial acumen and leadership capability. This individual should have deep experience in unsecured consumer lending with particular emphasis on account management and/or acquisitions pricing credit bureau attributes profit and loss drivers portfolio scoring and collections.

This position reports directly to the Senior Vice President.

Responsibilities:

• Manage 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 industry developments peer benchmarking and the regulatory environment.
• Develop and present periodic credit risk updates portfolio performance reviews and strategic recommendations to executive leadership and risk committees.
• Identify revenue opportunities risk trends and portfolio optimization strategies by analyzing existing portfolio performance growth opportunities and broader market conditions.
• Design develop and evaluate new portfolio tests strategies and performance management initiatives.
• Oversee the development implementation and ongoing monitoring of portfolio risk management models.
• Build and manage relationships with senior and executive stakeholders both internally and externally.
• Lead and develop a team of risk analysts responsible for portfolio strategy analysis deep-dive reviews data quality remediation automated SAS- and Tableau-driven management information systems and business partner support.
• 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.
• 5+ years of relevant consumer credit risk experience within US consumer lending. Experience with US consumer credit cards is strongly preferred.
• 2+ years of managerial experience including direct leadership of analytical risk or portfolio management teams.
• Cross-functional experience in areas such as portfolio management acquisitions loss forecasting marketing pricing and profitability analytics preferred.
• 3+ years of working experience with 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.
• Solid 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.
• Strong planning prioritization coordination and organizational skills.
• High degree of initiative sound judgment self-direction and ability to perform effectively in a fast-paced high-pressure environment.

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.

What We Do

Empowering Better Financial Outcomes for Everyday Americans Atlanticus™ technology enables bank retail and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary technology and analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and $48 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 internet-based 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.