Senior Associate, Financial Analysis - Business Banking Lending Finance

About the role

Bring your analytical expertise to a role where your work directly shapes small business lending strategy. You'll join a team that turns complex performance and pricing questions into clear, decision-ready insights. Partnering closely with Product, Risk, Credit Decisioning, Legal, and Compliance, you'll help deliver well-governed pricing outcomes.

Job Responsibilities

• Collaborate with Product, Credit Decisioning, and Risk partners to provide finance support for lending pricing strategy from concept through implementation and ongoing monitoring.
• Develop and maintain financial analysis models and tooling in partnership with modeling teams, ensuring strong controls, clear documentation, and long-term sustainability.
• Evaluate relationship-based pricing and discount requests through economic assessments (e.g., profitability, shareholder value added, and return on equity) and document recommendations.
• Support core pricing economics by governing key economic, capital, and expense assumptions and delivering decision-ready analysis for product strategy business cases.
• Refresh and maintain pricing parameters to ensure timely updates to rate grids, floors and ceilings, segmentation, and other pricing levers.
• Lead and contribute to ad hoc analyses and deep dives on key business questions, including pricing tests to assess trade-offs across rate, volume, risk, and profitability.
• Owain management dashboards and reporting, identifying opportunities to modernize through data centralization and the development of intelligent solutions and user tools.

Required Qualifications, Capabilities, And Skills

• 4+ years of progressive experience in finance, analytics, pricing, or business management.
• Bachelor's degree in finance, statistics, accounting, or a related field.
• Strong financial acumen and ability to solve complex problems using data-driven analysis.
• Prominent ability to operate independently, manage multiple priorities, and deliver results in a dynamic environment.
• Strong stakeholder management skills with the ability to influence partners at multiple levels.
• Experience developing business cases and recommendations that connect analysis to decision-making.
• Proficiency in Excel and PowerPoint, with strong data analytics capability including data mining and manipulation.
• Excellent communication skills, including the ability to present clearly and tell a story with data.
• Demonstrated ability to improve processes, support automation, and partner effectively with product teams.
• Strong attention to detail with a well-organized, solutions-oriented approach.

Preferred Qualifications, Capabilities And Skills

• Experience with lending products and pricing, including rate grids, floors and ceilings, segmentation, and pricing parameter governance.
• Experience building financial models and analytics tooling with strong control standards.
• Familiarity with wholesale and retail lending portfolios and profitability frameworks used in financial performance assessment.
• Technical stack: SQL and Python for data extraction, automation, and analysis.
• Analytics enablement: Tableau and Alteryx (or similar) to modernize reporting and improve efficiency.
• Data governance and controls: data quality checks, reconciliations, and lineage.
• Cloud/data platforms (e.g., Snowflake, Databricks) a plus.