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ABOUT THE JOB (JOB BRIEF): Business Analytics Senior Associate with 5+ years of experience in consumer lending, credit risk, and decision strategy development.  Proven ability to design, build, test, and implement credit decisioning solutions across consumer lending products including deposits, cards, and loans.  Strong collaborator with expertise in translating business requirements into actionable strategies, delivering insights through data visualization, and driving process improvements.  Adept at mentoring junior analysts and partnering with stakeholders to optimize credit performance and customer outcomes.

ESSENTIAL JOB FUNCTIONS:

• Designed and implemented credit decision strategies within enterprise decision engines for consumer lending products (cards, unsecured/secured loans, deposits).

• Evaluated business processes, elicited requirements, and developed detailed test scenarios to ensure solution accuracy and effectiveness.

• Built and maintained comprehensive documentation, including procedures and process flows for credit strategies and decisioning systems.

• Developed and delivered executive-level presentations and data visualizations to communicate key insights and recommendations.

• Led cross-functional discussions with internal stakeholders and external partners to align on strategy design and implementation.

• Analyzed credit bureau and risk data to support decisioning strategies and optimize portfolio performance.

• Identified business needs proactively and recommended data-driven process improvements.

• Reviewed and validated work of junior analysts, providing mentorship, feedback, and technical guidance.

• Strong knowledge of consumer lending regulations (e.g. Reg Z, FCRA, ECOA, etc.).

• Ensured compliance with banking regulations, internal policies, and ethical standards in all analytics and decisioning activities.

• Experience engaging with regulators, 2LOD partners, and Internal Audit to effectively support internal and external exams and audits focused on credit decision outcomes.  

REQUIRED QUALIFICATIONS:
• Bachelor’s degree in Business, Finance, or related field or equivalent experience required.

• Credit Risk & Consumer Lending experience

• Decision Strategy and Development

• Credit Bureau Data Analysis

• Test Planning & Scenario Design

• Process Improvement & Documentation

• Data Visualization & Storytelling

• Stakeholder Communication & Leadership

• SAS / Python / Tableau (working knowledge)

• Excel & PowerPoint (advanced)

EXPECTED COMPETENCIES:
• Communication: Solid written and verbal communication skills; organizes material for brevity, persuasiveness, and impact; Effectively communicates key points to respective stakeholders, with the right amount of detail; Proactively shares information beyond those at the table who may have a need to know; Comfortable in situations where conflict is present; Demonstrated presentation development and delivery skills; Ability to create presentations that include the right data/information and tell the right story
• Leadership: Emerging leader across team; Serves as a role model – may coach and develop others; Provides direction / mentorship to junior staff
• Partnering / Influencing: Proven relationship building ability; Strong interpersonal skills; Can lead the conversation with business partners; Sought out to by business partners and team members; May coach and develop relationship building skills in others; Developing comfort with influencing and consulting typically with mid-level leaders
• Business Acumen: Understands assigned LOB strategy; Knows our industry, competition, and competitive environment; Possesses intellectual curiosity; Understands key drivers of financial results and business impact; Developing understanding of how business works
• Critical Thinking / Problem Solving: Leverages critical thinking and business acumen to provide solutions to increasingly more complex problems; Ties work with understanding of impacts / intersections with other business partners / LOB; Aware of potential pitfalls with each recommended solution; thoroughly vets and thinks through options before making a decision

COMPENSATION AND BENEFITS

Please click for a list of benefits for which this position is eligible.

Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.