1-5 years of experience in advanced analytics and credit policy development
Bachelor's degree in a quantitative field like Statistics, Data Science, Economics, or Finance
Proficiency in SQL and Python for data analysis
Exceptional critical thinking and problem-solving skills
Strong communication abilities for conveying insights to diverse audiences
Responsibilities
Perform credit analysis using SQL and Python
Analyze and optimize lending strategies, refining approval policies
Develop credit strategy recommendations based on analytical performance
Present data-driven recommendations to leadership stakeholders
Build valuation models to guide credit policy decisions
Establish monitoring plans for strategy testing
Proactively assess credit risk and suggest policy adjustments
Benefits
Comprehensive benefits package including medical, dental, and vision insurance
Company contributions to 401k regardless of employee's contribution
Paid parental leave and generous paid time off policies
Employee recognition programs and leadership development opportunities
Tuition reimbursement program for further education
Paid charity hours for volunteering opportunities
Full Job Description
Position Purpose
As a Senior Business Analyst within OpenSky, you will have the opportunity to leverage advanced analytics and strategic thinking to solve challenging business problems. We are looking for a results-focused individual with exceptional analytical skills and business judgment and experience with SQL and Python. You will play a pivotal role in developing lending strategies by leveraging data-backed decisioning. You will be part of a collaborative environment that values your input, and you will have the opportunity to develop strategies that have a positive impact on customers and financial performance. Prior experience with credit analytics and consumer lending is a must.
Position Responsibilities
Perform credit analysis using advanced analytics in SQL and/or Python
Analyze and optimize lending strategies, including approve/decline policy and credit line assignment
Develop recommendations on credit strategies based on performance analysis, resiliency testing, and business judgment
Present data-backed recommendations to leadership based on your analysis
Build and/or leverage valuation models to inform credit policy recommendations
Establish testing and monitoring plans
Proactively monitor credit risk and performance, identifying whether policy adjustments are needed
Partner with cross-functional teams to implement strategies
Minimum Education & Experience
1-5 years of experience in advanced analytics, including developing credit policies
Bachelor's degree in quantitative field (e.g. Statistics, Data Science, Engineering, Economics, Finance, Business)
Technical Knowledge and Skills
Exceptional results-focus and relentless persistence in solving problems
A proven track record of decision making and problem solving based on analytics
Exceptional critical thinking skills with attention to detail
Highly proficient with analytical tools such as Python and SQL
Successful track record of thriving in a fast-paced environment
Proven ability to clearly and effectively communicate complex analytical insights to both technical and non-technical audiences
Compensation
Base Salary Range: $110k - $130k annually / hourly. Final determination of where you are at in the salary range is based on numerous factors such as geographical location, relevant experience, skill set, education, and ability to meet qualifications within the job description.
Additional Compensation: This role will include a yearly annual target bonus based on individual performance.
Working Arrangements
Full-time Hybrid role
Why Join Us?
Join a growing company with a culture that fosters an entrepreneurial spirit
Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more?
Company Contributions to your 401k - Regardless of your contribution
Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities
About Capital Bank, N.A.
Capital Bank, N.A. is a regional bank that provides a range of financial services to individuals and businesses. The bank offers personal and business checking and savings accounts, loans, mortgages, and credit cards. Capital Bank, N.A. was founded in 2010 and is headquartered in Raleigh, North Carolina. The bank has over 150 branches across the southeastern United States.
