Risk Portfolio Management Associate

The Guarantors is a cutting edge fintech company setting the standard in rent coverage with unrivaled insurance products. With a deep understanding of owner, operator, and renter needs, we believe renters deserve better access to the home of their dreams and operators deserve greater protection and growth opportunities. That’s why we’re leveraging our expertise in real estate and using AI-based technology to help operators qualify renters faster while mitigating the risk of rental income loss.

With $5B+ in rent and deposits guaranteed, we work with 9 of the country’s top 10 operators and have been named one of Inc. 5000’s fastest-growing companies, one of Forbes’ Best Startup Employers, and one of Deloitte’s Technology Fast 500.

We are seeking a Risk Portfolio Management Associate to join our Risk Management team. Reporting to the Director of Risk, this role will focus on monitoring, analyzing, and managing portfolio performance across our product lines. You will be responsible for building actionable insights that drive risk reviews, support account management, and enhance portfolio-level decision-making.

This is an ideal role for a candidate with a background in risk management, insurance, or portfolio analytics who is passionate about using data to shape risk strategy and improve business outcomes.

This role will be located in NYC.

• Track and analyze portfolio performance across multiple risk and business segments.
• Develop dashboards and risk indicators (loss ratio, claim ratio, delinquency, RAG status).
• Identify emerging risk concentrations (by geography, product, account type) and escalate appropriately.
• Lead preparation of Quarterly Account Reviews with Business, providing insights on portfolio performance against risk appetite and tolerance.
• Maintain and evolve the risk RAG framework, proposing actions for tiering classifications.
• Partner with Business/GTM/Sales/Account teams to communicate risk findings and recommend mitigation steps.
• Deliver independent analysis of emerging risk patterns across the portfolio.
• Contribute to portfolio-level stress testing and scenario analysis.
• Provide risk insights that support pricing, underwriting, and product strategy.

• Work closely with Product, Data, and Biz Ops to ensure portfolio monitoring aligns with business priorities.
• Represent the Risk team in portfolio-level discussions with stakeholders.
• Serve as the go-to person in Risk for ad hoc requests, special analyses, and cross-team support, ensuring timely and high-quality responses.

• Bachelor’s or Master’s degree (preferred) in a quantitative field (e.g., Statistics, Mathematics, Economics, Data Science, Actuarial Science).
• 4+ years of experience in portfolio analytics, insurance, risk management, or financial services.
• Strong data analysis skills with proficiency in SQL;
  Python skills a plus.
• Familiarity with business intelligence tools (e.g., Power
  
  BI, Tableau) for dashboard creation.
• Understanding of insurance or credit risk metrics (loss ratio, delinquency/default rate, exposure at risk).
• Strong critical thinking and ability to translate portfolio data into actionable recommendations.
• Excellent communication and stakeholder management skills.
• Self-driven and adaptable, with the ability to manage multiple priorities in a fast-paced environment.
• Opportunities to make an impact within a fast-growing company
• Health savings account with employer contribution
• Flexible spending accounts (healthcare, dependent care, commuter)
• 401(k)
• Generous PTO and paid holidays
• Paid parental leave
• Company sponsored short and long-term disability

The base salary range is between $140,000 - $155,000 annually.

Final offer amounts are determined by multiple factors, including prior experience, expertise, location, and current market data and may vary from the range above.

The Guarantors is an Equal Opportunity Employer. We celebrate diversity and are committed to an inclusive environment for all.