Senior Data Analyst, Deposits & Treasury Management

About Us Live Oak Bank is a digital bank that serves small business owners across the country. Our groundbreaking spin on service and technology has fueled our mission to be America’s Small Business Bank. Our products help customers buy, build, and expand their business, and our high-yield savings and CD products help them grow their hard-earned money. At Live Oak, we never lose sight of the well-being of our people. We believe our employees are the heart of our company. Our commitment to our customers and culture is intertwined, and we seek those who embody and embrace what it takes to empower the American dream. Job Description How This Role Impacts Live Oak and Its People The Senior Data Analyst, Deposits & Treasury Management is a critical analytics partner to the Deposits and Treasury Management organization as it scales. This role sits at the intersection of data strategy, forecasting, and automation — proactively identifying where current reporting and data processes fall short, and building the datasets, models, and tools the organization needs to keep pace with growth. This person will build forecasts grounded in current market and rate conditions, translate complex data into clear stories for executive and board audiences, and modernize the spreadsheet-driven processes that support deposit pricing, funding strategy, and portfolio performance — using tools such as Databricks and Claude to automate what is manual today. The role also extends analytical support to partner functions including Marketing, Embedded Banking, and Merchant Services. This role requires a strong analytics background, financial acumen, and the judgment to know where the organization's data and reporting needs are heading before a gap becomes a problem. What You'll Do At Live Oak Data Strategy & Proactive Analytics Proactively identify data needs, gaps, and inefficiencies in current reporting and data processes as the Deposits and Treasury Management organization growsPartner with enterprise data teams to build and maintain high-quality datasets and ensure a single source of truth for deposits and treasury reportingDetermine the data necessary to manage the deposits and treasury business, and continue to enhance data and reporting infrastructure ahead of business needRecommend updates to policies, procedures, and controls to reduce operational and data risk as processes scaleSupport the Head of Deposits and Chief Banking Officer by providing the data and analysis needed to develop, monitor, and track the department's budget Forecasting & Market Analysis Build forecasts and dynamic financial models informed by current market conditions, rate environment, and competitive dynamicsConduct competitive analysis of market conditions and deposit pricing to identify new business opportunities and inform strategySupport funds transfer pricing, liquidity / balance sheet management, and customer relationship pricing in partnership with Treasury and FinancePrepare deposit pricing analysis, forecasts, and recommendations for management, including materials for the Bank's ALCO discussionsMonitor the deposit portfolio for deviations from projected strategy and volume, and recommend remediationDevelop predictive models of deposit production and growth using historical trends and current market conditions, and present findings and recommendations to leadership to guide proactive growth strategy Automation & Technology Take existing spreadsheet-based forecasts, models, and recurring reports and rebuild them as automated, scalable workflows in DatabricksUse Claude and related AI tools to automate manual analysis, reporting, and forecasting processes currently run in ExcelBuild and manage dashboards using BI tools (Databricks, Power BI, Tableau) and advanced Excel to visualize data and track KPIsUse SQL and Python to support data extraction, analysis, and automation across large, multi-table datasetsModernize legacy, manual workflows using low-code platforms and automation frameworks Reporting, Insights & Stakeholder Support Own and maintain the KPI framework for the Deposits and Treasury Management organizationDevelop executive- and board-ready dashboards, insights, and data narratives that clearly explain complex data scenarios, performance, and riskBuild and support the data and reporting needs of partner functions, including Marketing, Embedded Banking, and Merchant ServicesTrack deposits portfolio costs across marketing, deposit expense, technology, and personnel as well as assist with building out revenue reporting for treasury management, merchant services and embedded bankingLead monthly and quarterly reporting cadence, delivering clear, executive-level insights on performance, risk, and trendsConduct ad hoc analyses to investigate business questions and explain metric movementCollaborate with the Treasury team to identify cost-effective sources of funding and support liquidity modelsMaintain a high standard of regulatory awareness, including BSA, AML, CIP, and OFAC Required Experience Bachelor's degree5+ years of experience in financial services, with a focus on deposits, treasury, analytics, finance, or portfolio managementExperience building forecasts, financial models, and market or competitive analysis under changing rate/market conditionsAdvanced proficiency in Microsoft Excel, including XLOOKUP, pivot tables, conditional formatting, and data analysis toolsStrong proficiency in SQL, including writing complex queries and working with large, multi-table datasetsFamiliarity with BI tools and dashboard development (Databricks, Tableau, Power BI) to visualize data and communicate insightsDemonstrated ability to identify process and data gaps proactively, and to design and implement automated solutions to close themComfort using AI tools (e.g., Claude) to automate spreadsheet-based analysis and recurring reporting workflowsStrong ability to synthesize complex and disparate data into clear reports and insights that support executive decision-makingExcellent presentation skills, with the ability to explain complex data scenarios clearly to both technical and non-technical audiencesDemonstrated ability to partner effectively across functions and levels of the organizationStrong track record of meeting hard deadlines and managing competing priorities Preferred Experience Advanced degreeDeposit or treasury portfolio management experience, including exposure to funds transfer pricing and ALCO processesProficiency in Python for data analysis, modeling, or workflow automationExperience supporting cross-functional partners such as Marketing, Embedded Banking, or Merchant Services with data and reporting Our Values Dedication: Possess a deep commitment to Live Oak Bank’s mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.Respect: Treat everyone with courtesy, politeness, and kindness.Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more For a detailed overview of our employee benefits please visit: http://www.liveoakbank.com/careers/ Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at HumanResources@liveoak.bank. EEO is the Law The base pay range for this position is $113,080.00 - $154,200.00 per year. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate’s salary is determined by several factors including travel, relevant work experience or skills and expertise. Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.