Job Purpose & ScopeResponsible for the development and execution of the end-to-end analytics & reporting for consumer lending including home equity lines of credit, other retail products, and future unsecured personal loans and credit card products. Contributes to a data-driven culture and the use of advanced analytics and data infrastructure to drive innovation in areas such as credit decisioning, pricing, and customer lifecycle management.
Essential Job Functions- Develop and execute the analytics strategy for the consumer lending portfolio, aligning with business goals and risk tolerance
- Responsible for the design, development, validation, and monitoring of credit risk models and scorecards, including underwriting, behavioral, pricing, and loss forecasting
- Develop and maintain dashboards, scorecards, and reporting frameworks that track portfolio health, credit quality, delinquency trends, loss performance, and profitability metrics.
- Conduct in depth analysis to identify emerging risks and growth opportunities.
- Design and evaluate origination, account management, and collections strategies using statistical modeling, segmentation, and champion/challenger testing.
- Deliver customer lifecycle analytics including acquisition, activation, utilization, retention, and attrition to inform targeted strategies across the lending funnel.
- Partners with Marketing to assess market opportunities, evaluate product economics, and measure campaign effectiveness.
- Leverage customer data to identify cross-sell and up-sell opportunities within the consumer lending portfolio.
- Provide analytical support for loss forecasting, stress testing, and allowance for credit losses processes in collaboration with Finance and Risk.
- Collaborate with Technology and Data Engineering teams to ensure the availability, accuracy, and accessibility of lending data assets.
- Define and enforce data governance standards and best practices within the analytics function.
- Contributes to the adoption of advanced analytics techniques to enhance decision-making and operational efficiency.
- Communicate complex analytical insights and recommendations clearly to senior leadership and non-technical stakeholders.
Knowledge, Skills & Abilities- Knowledge of consumer lending and related regulations.
- Demonstrated ability to work with large datasets and derive business insights.
- Ability to communicate effectively both verbally and in writing to both technical and non-technical audiences.
- Ability to demonstrate effective interpersonal skills to build collaborative working relationships and work in a team environment.
- Ability to utilize discretion and sound judgment in decision-making.
- Ability to manage multiple tasks with exacting deadlines while demonstrating flexibility in a continually changing environment.
- Ability to demonstrate effective organization, critical thinking, analytical, and problem-solving skills.
- Ability to work independently while contributing as part of a collaborative team.
- Ability to demonstrate accuracy, thoroughness, and attention to detail.
- Ability to travel for work, as needed.
- Ability to work effectively with all levels of staff and management.
- Ability to promote a culture of innovation, accountability, and continuous improvement.
Basic Qualifications- Bachelor's degree in business, economics, accounting, finance, data analytics, or relevant field required.
- 3+ years' experience in data science/data analytics required.
- Strong proficiency in one or more of SQL, SAS, R, Python, Excel and data visualization tools such as Power BI and Tableau, required.
- Experience in consumer lending preferred.
Job ExpectationsOperate customary equipment and technology used in a business environment, with or without accommodation.
Note: This description is not an exhaustive list of all job functions, duties, skills, and job standards required. Other job functions, duties, skills, and standards may be added. Management reserves the right to add or change the job requirements at any time.
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