Senior Risk Analyst, Business Analytics

Essential Duties And Responsibilities

• Evaluate the financial health of commercial borrowers, including enterprise companies, mid-market businesses, and dealership networks.
• Analyze complex financial statements, tax returns, cash flow dynamics, and financial projections to assess debt repayment capacity.
• Calculate core risk metrics, including Debt Service Coverage Ratio (DSCR), Leverage Ratios, Loan-to-Value (LTV), and Working Capital velocity.
• Conduct rigorous stress-testing on borrower cash flows against interest rate fluctuations and macroeconomic downturns.
• Uses quantitative and analytical skills to mine, process and analyze data using SQL, Fabric, R, Python, SAS, Power BI, MS Excel or similar spreadsheet programs, and other business tools.
• Develops and presents analysis on performance, trends, and projections to upper management to facilitate business and strategic decisions.
• Prepares and distributes recurring and ad-hoc analysis and reporting on portfolios including performance and projections.
• Provides easy-to-understand, action-oriented analytical reports and other presentations to the management team.
• Builds, recalibrates, and validates advanced predictive models.
• Identifies and evaluates portfolio trends and KPIs with respect to market valuations, depreciation, residuals, and other factors.
• Troubleshoots data deficiencies and errors to ensure timely and accurate analysis of the data.
• Confers with IT and functional business lines to evaluate, design, implement, and maintain relational databases and/or large data sets.

Required Experience

• Five (5) years of experience in data analytics, such as data mining, business analytics and databases.
• Proficient with SQL, Fabric, Python, R or other business intelligence software.
• Proficient with using Microsoft Office Suite applications such as Excel, PowerPoint, Word, and Power BI.
• Ability to work with mathematical concepts such as probability and statistical inference and apply concepts to practical situations.
• Experience with statistical analysis software/languages (R, Python, SQL, & SAS) in addition to training in statistical modeling, data analysis, or computer programing.
• Detail oriented with problem solving and critical thinking abilities.
• Able to apply common sense understanding to practical situations when carrying out instructions furnished in written, oral, or diagram form.
• Effective verbal and written communication and interpersonal skills.

Qualifications

• Bachelor’s Degree in: Mathematics, Statistics, Economics, Computer Science, Finance, or other quantitative fields.
• Preferred Master’s Degree and/or PhD in: Mathematics, Statistics, Economics, Computer Science, Finance, or other quantitative fields highly preferred!
• Prior Auto finance or captive industry is a plus.