Senior Financial Portfolio Analyst – Servicing

About Figure

Figure (NASDAQ: FIGR) is transforming capital markets through blockchain. We’re proving that blockchain isn’t just theory - it’s powering real products used by hundreds of thousands of consumers and institutions.

By combining blockchain’s transparency and efficiency with AI-driven automation, we’ve reimagined how loans are originated, funded, and traded in secondary markets. From faster processing times to lower costs and reduced bias, our technology is helping borrowers, investors, and financial institutions achieve better outcomes.

Together with our 170+ partners, we’ve originated over $22 billion in home equity loans (HELOCs) on our blockchain-native platform, making Figure the largest non-bank provider of home equity financing in the U.S. Figure’s ecosystem also includes YLDS, an SEC-registered yield-bearing stablecoin that operates as a tokenized money market fund, and several other products and platforms that are reshaping consumer finance and capital markets.

We’re proud to be recognized as one of Forbes’ Most Innovative Fintech Startups in 2025 and Fast Company’s Most Innovative Companies in Finance and Personal Finance.

About the Role

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.

What You’ll Do

• 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.

What We Look For

• 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.

Preferred Qualifications

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

Salary

• Base Compensation Range: $85,360-$128,040/yr
• 25% annual bonus target, paid quarterly
• Company equity in the form of RSUs

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.

Benefits

• 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

Depending on your residential location certain laws might regulate the way Figure manages applicant data. California Residents, please review our California Employee and General Workforce Privacy Notice for further information. By submitting your application, you are agreeing and acknowledging that you have read and understand the above notice.

Figure will not sponsor work visas for this position. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification form upon hire.

#LI-JR1 #LI-Hybrid