Senior Financial Analyst - Profitability Analytics (HYBRID)

About the role

This role leads advanced financial analysis and modeling to guide strategic and operational decision‑making across the organization. This role provides insights into business performance, and contributes to improvements in processes, tools, and methodologies.

What You'll Do

• Lead complex profitability analyses across products, members, and balance sheet strategies, synthesizing insights for senior leadership.
• Serve as a subject matter expert on FTP, RAROC, and profitability methodologies, advising on assumptions and model design.
• Design, enhance, and maintain advanced profitability models for loans, deposits, and optionality‑driven products.
• Lead development of forward‑looking pro forma models to evaluate new products, pricing strategies, and strategic initiatives.
• Translate profitability results into clear recommendations that influence pricing, growth, and balance sheet decisions.
• Partner closely with Treasury and ALM on balance sheet strategy, liquidity premiums, and behavioral assumptions.
• Drive continuous improvement of profitability systems, data structures, and reporting frameworks.
• Lead cross‑functional initiatives to develop new tools, dashboards, and analytical capabilities.
• Provide oversight and quality review of team analyses, ensuring consistency, accuracy, and governance adherence.
• Act as a key contributor in audits, model risk management, and examiner interactions, explaining methodologies and results.

Qualifications

• Required Education: Bachelors degree in field relevant to role (or 4 additional years of relevant experience in lieu of a degree)
• Required Experience: 4 - 6 years of relevant experience

Skills

• Advanced financial modeling expertise and strong business acumen.
• Ability to solve complex problems and balance competing priorities.
• Strong verbal and written communication skills, including executive level storytelling.
• Ability to lead projects and influence cross-functional partners.

Location

Chelmsford, MA 01824 | Marlborough, MA 01752

Pay

Target Compensation in Chelmsford & Marlborough, MA: $95,000 - $110,000 annually + annual bonus

Benefits

• Traditional medical, dental, and vision coverage
• Generous 401(k) match
• Paid Time Off: You’ll accrue up to 15 days in your first year. In addition, you’ll receive 40 hours of sick time and 3 personal days, which refresh annually
• Paid federal holidays
• Special employee pricing on lending products such as mortgage, auto, and personal loans (eligibility subject to standard account requirements and underwriting criteria)