Financial Analyst – Securitization & Risk Reporting

About The Fundworks
The Fundworks is a tech-enabled provider of working capital solutions (merchant cash advances and related financing) to small businesses nationwide. We are results-oriented, focused on execution and portfolio performance.

Role Overview
This is a new position created to own the monthly reporting package for our securitization while also taking primary responsibility for preparing the internal Risk Committee and Collections reporting. The ideal candidate will have hands-on experience producing or supporting ABS/securitization investor or trustee reports and will be comfortable translating that discipline into clear, actionable internal cohort and segment performance reporting.

Key Responsibilities
Securitization / ABS Reporting

• Own preparation and delivery of the monthly securitization reporting package (investor reports, trustee reports, data tapes, performance summaries, and any required supplemental analytics) in accordance with the transaction documents and timelines.
• Coordinate with the trustee, placement agent, counsel, and internal teams to ensure data accuracy, timely delivery, and resolution of questions.
• Monitor portfolio performance relative to triggers, covenants, expected curves, and other deal requirements; flag issues early with supporting analysis.
• Reconcile securitization reporting data to internal systems and bank activity.
• Support ad-hoc investor, rating agency, or placement agent requests.

• Prepare the monthly (and weekly as needed) Risk Reports covering funded cohort performance by relevant segments (vintage, industry, broker/channel, risk grade, geography, product, etc.).
• Identify anomalies or trends that warrant attention, pull supporting data, and draft clear commentary so the Risk Committee can focus on discussion and decisions rather than data assembly.
• Maintain and improve the underlying data pulls, templates, and process so reporting is consistent, auditable, and less manual over time.

• Assist with regular Collections reporting and analysis (status, recoveries, trends by segment or vintage, etc.).
• Support deeper dives into specific accounts or cohorts when performance deviates from expectations.

• Improve and automate reporting processes where practical (Excel, SQL, Power Automate, Salesforce, or other internal tools).
• Partner with Underwriting, Risk, Data, and Operations teams on data quality and reporting needs.
• Provide ad-hoc analytical support for management, funding decisions, or portfolio reviews.

• Bachelor’s degree in Finance, Accounting, Economics, Mathematics, or a related quantitative field.
• 3–6+ years of experience in financial analysis, portfolio performance reporting, specialty finance, or structured finance.
• Direct experience preparing, reviewing, or supporting ABS / securitization investor or trustee reports (or equivalent detailed portfolio reporting in a warehouse, term ABS, or similar structure). Experience with commercial or specialty finance assets is a strong plus.
• Advanced Excel skills (complex formulas, pivot tables, data modeling, reconciliation).
• Strong attention to detail and ability to meet recurring monthly deadlines reliably.
• Clear written communication skills for report commentary and external coordination.

• Familiarity with merchant cash advance, revenue-based financing, or small business lending performance metrics (delinquency, default, loss rates by vintage/segment, collections curves, etc.).
• Experience with SQL, Power BI, Tableau, or similar tools for data extraction and reporting.
• Prior work in a smaller or independent specialty finance / fintech environment (comfortable wearing multiple hats and building processes).
• Knowledge of securitization deal mechanics (waterfalls, triggers, credit enhancement, reporting covenants).

• Monthly ABS reporting is delivered accurately and on time with minimal escalation.
• Risk Committee materials are circulated ahead of meetings with cohorts analyzed by segment and anomalies already highlighted and investigated.
• Reporting processes become more repeatable and less dependent on manual effort.