--- title: 'Sr. Manager - Loan Portfolio & Revenue (R14333) at Oportun' canonical: 'https://feeny.ai/job/sr-manager-loan-portfolio-revenue-r14333-oportun-united-states-csy7frzbck9a' type: 'job' last_seen: '2026-10-26' --- # Sr. Manager - Loan Portfolio & Revenue (R14333) at Oportun - **Company:** Oportun - **Location:** United States - **Work type:** remote - **Posted:** 2026-10-21 - **Last confirmed live:** 2026-10-26 - **Apply:** https://job-boards.greenhouse.io/oportun/jobs/4746079005 ## Job description ## Who We Are Oportun (Nasdaq: OPRT) is a mission-driven financial services company that puts its members' financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $22.7 billion in responsible and affordable credit, saved its members more than $2.5 billion in interest and fees, and helped its members set aside an average of more than $1,800 annually. The Opportunity We’re looking for a Senior Manager, FP&A – Loan Portfolio & Revenue to own and evolve Oportun’s revenue forecasting and lending portfolio planning capabilities. You’ll build and improve sophisticated financial models, translate complex operating and credit trends into clear insights, and help senior leaders understand the risks, opportunities, and drivers behind long-term business performance. This role sits at the intersection of FP&A, Credit, Product, Data, Accounting, and Operations. Success in the first year means establishing a trusted and scalable revenue forecasting process, improving visibility into lending portfolio performance, and strengthening the quality of forward-looking analysis used by senior leadership and the Board. At Oportun, we move fast and we hold each other to a high bar. If you care about doing your best work while actually moving the needle for real people, you'll fit right in. At Oportun, we move fast and we hold each other to a high bar. If you care about doing your best work while actually moving the needle for real people, you'll fit right in. ## What You'll Do ## Your day-to-day - You’ll own the development, maintenance, and enhancement of comprehensive revenue forecasting models, including drivers, scenarios, sensitivities, and long-range planning. - You’ll manage lending portfolio balance and roll-forward models covering originations, repayments, prepayments, charge-offs, loss curves, delinquency trends, and related credit-performance assumptions. - You’ll partner with Credit, Product, Data, Accounting, Operations, and business leaders to improve forecast inputs, understand performance trends, and identify emerging risks and opportunities. - You’ll lead strategic financial analysis to support business planning, capital allocation, growth initiatives, pricing, product decisions, partnerships, and potential M&A opportunities. - You’ll develop clear forecast narratives and communicate key drivers, variances, risks, and opportunities to senior leadership. - You’ll prepare high-quality materials for executive, investor, and Board discussions, translating complex financial and operating topics into concise, decision-ready insights. - You’ll improve the scalability, transparency, governance, and documentation of financial models and planning processes. - You’ll automate analyses and improve modeling workflows to increase efficiency, consistency, and confidence in forecast outputs. - You’ll help evaluate and support the migration of core planning models into enterprise forecasting platforms such as Anaplan or Pigment where appropriate. - You’ll mentor and develop finance team members as the FP&A organization grows. - You’ll bring ideas for how we can improve forecasting, planning, modeling, and financial decision-making across the organization. - You’ll look for practical ways to use AI and automation to accelerate analysis, improve model validation, strengthen documentation, and surface insights faster. - You'll look for ways to use AI tools thoughtfully — to work smarter, reduce manual work, and make better decisions faster ## Who You Are The right fit looks like this You’re a strategic finance leader who combines deep analytical rigor with strong business judgment. You’re equally comfortable building detailed forecast logic, challenging assumptions, and explaining the resulting story to senior executives. You’re naturally curious about what is driving performance and what might happen next. You know how to work through ambiguity, connect financial and operating signals, and turn complex analysis into clear recommendations. You also build strong partnerships across functions and are comfortable influencing decisions without relying on direct authority. You're comfortable navigating complexity and don't wait for perfect information to move forward. You communicate clearly, give direct feedback, and expect the same in return. ## What You Bring ## Skills & experience Required - 8+ years of progressive experience in FP&A, strategic finance, corporate finance, investment banking, private equity, lending, fintech, or a related field. - Demonstrated expertise building complex, driver-based financial models and cost-benefit analyses. - Strong experience in lending, consumer credit, structured finance, or another related financial-services environment. - Experience with portfolio balances, roll-forwards, loss curves, charge-offs, delinquency trends, and credit-performance assumptions. - Strong experience using data to understand business performance, evaluate scenarios, and identify forward-looking risks and opportunities. - Experience using SQL, Python, R, dbt, or similar tools to automate, validate, or analyze financial models. - Proven ability to translate complex financial analysis into clear recommendations for executive and Board-level audiences. - Experience preparing senior leadership or Board materials, including forecast updates, financial-performance presentations, and strategic analyses. - Strong cross-functional leadership skills with the ability to partner effectively across Finance, Credit, Product, Operations, Data, and executive leadership. - Advanced Excel and presentation skills. - Strong analytical judgment, problem-solving skills, and attention to detail. ## Nice to Have - M&A, corporate development, investment banking, private equity, or transaction-modeling experience. - Experience in a high-growth, technology-enabled financial services or fintech environment. - Experience managing, mentoring, or developing finance professionals. - Experience with enterprise forecasting platforms such as Anaplan, Pigment, or similar tools. - Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field. - MBA, CFA, CPA, or similar advanced credential. - Experience using AI-enabled finance, analytics, or productivity tools to improve forecasting, analysis, documentation, or decision-making. - You've used AI tools (ChatGPT, Copilot, or similar) to improve your own productivity Our AI Mindset We build with AI. We lead with judgment. AI isn't a feature here. It's how we work. We're excited about what AI makes possible, and we're looking for people who share that curiosity. You don't need to be an expert. You need to be open to experimenting, willing to learn, and able to apply new tools in ways that actually move the needle. In this role, you'll be encouraged to explore AI tools, find practical use cases for your function, and bring ideas for working smarter. We believe the best outcomes come when human judgment and AI capability work together. ## Why Oportun ## What's in it for you Oportun offers a competitive compensation and benefits package designed to support your physical, financial, and professional well-being. Benefits vary by country of employment. Some of the benefits available to eligible employees include: US Benefits: - Medical, Dental & Vision Insurance - 401(k) including company match - Flexible PTO and Parental Leave - Company-paid Life & Disability Insurance Eligibility and plan details vary by location and employment status. To learn more about Oportun and our benefits, visit oportun.com/careers The US salary range for this full-time position is $ 112,500 - $ 180,000 Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects a national minimum and maximum range for new hire salaries for this position. Within this range, individual pay is determined by work location and additional factors, such as job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range that meets your criteria during the hiring process. Please note that the compensation range listed in this posting reflects only the base salary for this position and does not include other compensation elements or benefits. R1 #LI-REMOTE #LI-R1 We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, veteran status or any other category protected by the laws or regulations in the locations where we operate. California applicants can find a copy of Oportun's CCPA Notice here:  https://oportun.com/privacy/california-privacy-notice/. We will never request personal identifiable information (bank, credit card, etc.) before you are hired. We do not charge you for pre-employment fees such as background checks, training, or equipment. If you think you have been a victim of fraud by someone posing as us, please report your experience to the FBI’s Internet Crime Complaint Center (IC3). ## About Oportun ## Company Overview - **One-liner**: Oportun is a mission-driven financial services company that uses AI to provide affordable credit and automated savings tools for people underserved by mainstream financial institutions. - **Entity Type**: Public (Nasdaq: OPRT) - **Headquarters**: Silicon Valley, California, USA - **Founded**: 2006 (operations began in 2005) - **Founders**: Not publicly available (founded by a team) ## Core Business - **Primary industry**: Financial Services (Consumer Lending, Fintech) - **Target customers**: B2C – primarily Americans who are not well served by traditional banks (often with limited or no credit history) - **Mission**: To help people across the United States create a brighter financial future by building financial resiliency through access to responsible and affordable credit and effortless savings. ## Products & Services - **Unsecured Personal Loans**: Fixed-rate, fully amortizing installment loans ranging from $300 to $10,000, with terms of 12 to 54 months. Originated in 41 states (2 via direct licenses, 39 via a partnership with Pathward). - **Secured Personal Loans**: Collateralized loans (vehicle-backed) offered in 8 states, with potential expansion to 33 additional states via the Pathward partnership. - **Set & Save**: An AI-powered automated savings app that analyzes a member’s cash flow to determine how much they can save daily without disrupting expenses. Ranked #1 Savings App of 2025 by Bankrate. - **Oportun Mobile App**: A central hub for all products—borrowing, saving, and budgeting. - **Lending as a Service (LaaS)**: A lead generation program through partnerships (e.g., DolEx, Barri Financial/Western Union) to reach new members via 465 retail locations. ## Market Standing - **Market Cap / Valuation**: Publicly traded company (as of latest filing) — market cap fluctuates; refer to Nasdaq for real-time data. - **Key Metric (Revenue)**: Public company; annual revenue reported in SEC 10-K filings (most recent: FY 2025). - **Key Metric (Funding)**: N/A (public; no recent funding rounds). - **Notable Investors/Partners**: - Pathward (banking partner for national lending expansion) - Certified as a Community Development Financial Institution (CDFI) by the U.S. Department of the Treasury - **Growth Signals**: - Over $22.2 billion in responsible credit extended since inception. - Helped 1.3 million people establish a credit history for the first time. - Helped members set aside over $12.5 billion in savings via the Set & Save product. - Six consecutive GAAP profitable quarters as of Q1 2026. - 6.8x debt-to-equity leverage (reduced from 7.6x year-over-year). - Named a San Francisco Bay Area Top Workplace for 2026 by Axios. ## Competitive Advantages - **AI-Powered Underwriting**: Uses billions of proprietary data points and machine learning to score 100% of applicants, including those without FICO scores—enabling responsible lending to an underserved population. - **Proprietary Savings Engine**: The Set & Save algorithm has completed 1.1 billion algorithmic transfers over 10+ years, giving it a long-track-record AI advantage that is difficult to replicate. - **CDFI Certification**: Affords credibility and access to unique community development capital. - **Strong Member Satisfaction**: Net Promoter Score (NPS) of 77 for personal loans. - **National Reach via Partnership**: The Pathward partnership allows Oportun to operate nationwide without needing a state-by-state bank charter. ## Strategic Focus - **Improve Credit Outcomes**: Targeting an annualized net charge-off rate between 9% and 11%. - **Fortify Business Economics**: Increasing loan portfolio yield while maintaining tight expense controls. - **Responsible Growth**: Expanding the secured loan portfolio and cross-selling Set & Save to existing members. - **Scaling LaaS (Lending as a Service)**: Adding new partnership channels to reach more members cost-effectively. - **Continued AI Investment**: Deepening machine learning for marketing, underwriting, fraud detection, and servicing. ## Why Work Here - **Mission-Driven Work**: The company explicitly focuses on financial inclusion for hardworking Americans who are overlooked by traditional banks. Employees cite a sense of purpose. - **Remote-First Culture**: Oportun is described as a remote-first global team, with centers in the U.S. (California), India (Chennai), and Mexico (León). - **Comprehensive Benefits**: - Medical, dental, vision, and FSA coverage. - Competitive compensation, bonuses, and incentive programs. - Paid time off for volunteering and charitable giving. - **DEI & Belonging**: Active employee-led resource groups, company-wide events to support diversity, equity, inclusion, and belonging (DEIB). - **Giving Back**: 1% of annual net profits donated to community partners like United Way, American Red Cross, and DIY Girls. Also runs an employee hardship assistance fund with corporate matching. - **Team Building**: Virtual coffee chats, holiday parties, and wellness events on their internal platform (Oportun Connect). - **Growth Trajectory**: Public company with six consecutive profitable quarters and aggressive expansion plans, offering stability and career growth. ## Sources 1. [Oportun.com - Careers](https://oportun.com/careers/) 2. [Oportun.com - About](https://oportun.com/about/) 3. [Oportun.com - Homepage](https://oportun.com/) 4. [Oportun Investor Relations - 10-K (Feb 2026)](https://investor.oportun.com/sec-filings/all-sec-filings/content/0001538716-26-000015/0001538716-26-000015.pdf) 5. [Oportun Investor Relations - Corporate Overview](https://investor.oportun.com/) ## Other roles at Oportun - [Bilingual English and Spanish Member Loyalty Representative (R14338)](https://feeny.ai/job/bilingual-english-and-spanish-member-loyalty-representative-r14338-oportun-wt09tv166n6d) — Anaheim, CA - [Sr DataOps Engineer (R14334)](https://feeny.ai/job/sr-dataops-engineer-r14334-oportun-mexico-epx08rz1darx) — Mexico - [Bilingual English and Spanish Member Loyalty Representative (R14340)](https://feeny.ai/job/bilingual-english-and-spanish-member-loyalty-representative-r14340-oportun-las-ybmbawc583j6) — Las Vegas, NV - [Bilingual English and Spanish Member Loyalty Representative (R14339)](https://feeny.ai/job/bilingual-english-and-spanish-member-loyalty-representative-r14339-oportun-las-fsj0c4s7bhwq) — Las Vegas, NV - [Bilingual English and Spanish Member Loyalty Representative (R14335)](https://feeny.ai/job/bilingual-english-and-spanish-member-loyalty-representative-r14335-oportun-salt-6vnh90ar5er2) — Salt Lake City, UT - [Bilingual English and Spanish Member Loyalty Representative (R14366)](https://feeny.ai/job/bilingual-english-and-spanish-member-loyalty-representative-r14366-oportun-jxvbd6ytwdqp) — Tucson, AZ - [Bilingual English and Spanish Member Loyalty Representative (R14337)](https://feeny.ai/job/bilingual-english-and-spanish-member-loyalty-representative-r14337-oportun-salt-4fnn1xtp5t3a) — Salt Lake City, UT - [Bilingual English and Spanish Member Loyalty Representative (R14330)](https://feeny.ai/job/bilingual-english-and-spanish-member-loyalty-representative-r14330-oportun-ebz9kmr7dypc) — Houston, TX - [Repossession Coordinator (R14323)](https://feeny.ai/job/repossession-coordinator-r14323-oportun-united-states-da88agb6j0v4) — United States - [Bilingual English and Spanish Member Loyalty Representative](https://feeny.ai/job/bilingual-english-and-spanish-member-loyalty-representative-oportun-chicago-94srny7t6ecx) — Chicago, IL