Senior Financial Portfolio Analyst - Servicing

Figure is hiring a Senior Financial Portfolio Analyst - Servicing to provide advanced financial analysis, portfolio performance monitoring, servicing cost modeling, compliance oversight, and forecasting for a servicing portfolio. This role supports cross-functional teams such as Servicing Operations, Capital Markets, Collections/Default, Investor Reporting, and Asset Management.

- Maintain and enhance servicing profit-and-loss models, including revenue streams, ancillary fees, sub-servicing costs, advances, late fees, recoveries, and corporate allocations.

- Support mortgage servicing rights (MSR) valuation by modeling discount rates, CPR/prepayment speeds, delinquency curves, and cost-to-service assumptions.

- Build dashboards tracking static pool performance, delinquency migration, modification outcomes, foreclosure metrics, and collection effectiveness.

- Forecast servicing revenue based on portfolio balance, runoff, payoffs, and interest-rate conditions; develop models for default expenses, foreclosure timelines, claim recoveries, and REO performance.

- Provide financial performance analysis, risk assessment, and compliance monitoring for servicing portfolios.

- Model escrow balances, interest earnings, advance recoverability, and servicing cost allocations by investor.

- Contribute financial insights to operational efficiency initiatives.

- Prepare monthly business review decks, variance analysis, margin analytics, and operational KPIs for senior leadership.

- Bachelor's degree in Finance, Accounting, Statistics, Business, or related field.

- 4-7 years of mortgage FP&A, servicing analytics, or portfolio-analysis experience.

- Strong understanding of MSR economics, delinquency modeling, advance mechanics, and servicing cost structures.

- Experience with servicing systems such as MSP, Sagent, LoanServ, and data analysis tools such as SQL, Snowflake, Tableau, Power BI.

- Ability to work independently and manage complex workloads with strict deadlines.

- Adhere to all company security policies and data handling procedures.

- Complete mandatory security awareness training within required timeframes.

- Promptly report any suspected security incidents or suspicious activity to the Security team.

This is the compensation range for the role in the United States. Actual compensation may vary based on a candidate's experience, skills, location, internal equity, and evolving business needs. While most offers are generally made within the middle of the range, final compensation is determined based on the factors above.

- Comprehensive medical, dental, and vision coverage, with 100% employer-paid premiums for employees and their dependents on select plans Company HSA, FSA, Dependent Care FSA, 401(k), and commuter benefits Employer-paid life and disability insurance 11 observed holidays and PTO plan Up to 12 weeks of paid family leave Continuing education reimbursement

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