Senior Financial Portfolio Analyst

Who you are

• 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
• Master’s degree (MBA or related)
• CPA or similar financial certification (preferred)

What the job involves

• 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

Benefits

• 100% of premium costs for employees and dependents for medical, dental, and vision insurance
• Reimbursement for approved continuing education (eligible employees)
• 10 company-wide holidays plus one personal holiday
• Generous Flexible Time Away (FTA), Paid Time Off (PTO), and paid parental leave
• Bonus plan (eligible employees)
• Option to purchase a set number of shares of Figure's common stock (eligible employees)