Business Bank Lending Risk Analytics Associate

Job Responsibilities

• Quantify credit risk and financial return profiles for new small business lending accounts and client relationships, including establishing risk targets and KPI's.
• Develop analytics-driven recommendations that optimize strategy outcomes across growth, profitability, and credit risk.
• Design and refine lending risk strategy criteria used to support quality originations and consistent decisioning.
• Build and maintain periodic reporting on volumes, approval and funding rates, early delinquency, and charge-off/loss performance.
• Monitor portfolio performance across the acquisition funnel and throughout the credit lifecycle to identify emerging trends and risk signals.
• Conduct pre-implementation and post-implementation testing to validate strategy changes and measure realized impact versus expectations.
• Analyze driver-level performance to isolate what is working, what is changing, and where targeted interventions are needed.
• Partner with cross-functional stakeholders to translate analytical findings into clear, actionable decisions and execution plans.
• Automate repeatable data pulls and reporting processes to improve timeliness, accuracy, and scalability of management information.
• Document methodologies, assumptions, controls, and strategy changes to support an audit-ready operating environment.
• Draft clear, evidence-based responses to internal audit and regulatory questions, ensuring traceability to data and controls.

Required Qualifications, Capabilities, And Skills

• Hold a Bachelor's degree with minimum 5+ years of professional experience in risk management or another quantitative field OR a Master's degree with minimum 3+ years of related experience.
• Demonstrate a strong background in statistics, econometrics, or a related quantitative discipline.
• Apply strong proficiency in SQL or SAS to query large datasets and build reliable, reusable analyses.
• Use predictive analytics techniques (e.g., decision-tree tools, forecasting approaches) to evaluate risk/return tradeoffs and support strategy decisions.
• Show familiarity with consumer or business lending products and lifecycle risk dynamics (origination through loss).
• Transform raw data into actionable management information with clear narratives, implications, and recommended actions.
• Show strong problem-solving skills and comfort working through ambiguity with a structured, hypothesis-driven approach.
• Communicate analytical results effectively in writing and verbally, including presenting to cross-functional stakeholders and senior audiences.
• Maintain strong attention to detail, controls, and documentation practices to support an audit-ready environment.
• Show strong organizational skills to manage multiple priorities, timelines, and stakeholders without sacrificing analytical rigor.

Preferred Qualifications, Capabilities, And Skills

• Hold a Master's degree with minimum 5+ years of professional experience related to risk management or other quantitative fields.
• Bring a strong track record in small business lending and/or consumer lending strategy, underwriting, or portfolio analytics.
• Show intellectual curiosity and a data-guided approach to uncovering meaningful insights and root causes.
• Leverage experience building or improving KPI frameworks, dashboards, and performance monitoring routines for lending portfolios.
• Show proven ability to influence decisions through clear storytelling, structured recommendations, and stakeholder alignment.
• Contribute experience operating in well-controlled, highly regulated environments with strong audit and documentation discipline.