AVP Business Strategy and Analytics - CFG

About the Role

Bank OZK, a nationally recognized industry leader in financial services with over 120 years of legacy, is fostering careers by combining exceptional service with innovative technologies. This role focuses on the development and execution of end-to-end analytics and reporting for consumer lending, including home equity lines of credit, retail products, and future unsecured personal loans and credit card products. The position contributes to a data-driven culture, driving innovation in credit decisioning, pricing, and customer lifecycle management.

Responsibilities

• Develop and execute the analytics strategy for the consumer lending portfolio, aligning with business goals and risk tolerance.
• Design, develop, validate, and monitor credit risk models and scorecards, including underwriting, behavioral, pricing, and loss forecasting.
• Develop and maintain dashboards, scorecards, and reporting frameworks to 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.
• Partner 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.
• Contribute 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.

Requirements

• Bachelor’s degree in business, economics, accounting, finance, data analytics, or a relevant field.
• 3+ years’ experience in data science/data analytics.
• Strong proficiency in SQL, SAS, R, Python, Excel, and data visualization tools such as Power BI and Tableau.
• Experience in consumer lending preferred.
• Knowledge of consumer lending and related regulations.
• Ability to work with large datasets and derive business insights.
• Effective communication skills for both technical and non-technical audiences.
• Strong interpersonal skills to build collaborative working relationships.
• Discretion and sound judgment in decision-making.
• Ability to manage multiple tasks with exacting deadlines and flexibility in a changing environment.
• Effective organization, critical thinking, analytical, and problem-solving skills.
• Ability to work independently and as part of a collaborative team.
• Accuracy, thoroughness, and attention to detail.
• Ability to travel for work, as needed.
• Ability to work effectively with all levels of staff and management.
• Promote a culture of innovation, accountability, and continuous improvement.

Benefits

• Generous PTO.
• 401(k) matching.
• Health, dental, and vision insurance.
• Pet insurance.
• Special perks and discounts.