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Credit Card Business Analyst
Location:
San Antonio, TX
Description:
Job Description Job Title : Credit Card Business Analyst Summary : The Credit Card Business Analyst performs comprehensive analysis and reporting to manage risk, increase revenues, and reduce loss exposure of the Bank's credit card portfolio. Wage Type : Hourly (Non-exempt) Essential Duties & Responsibilities: To perform this job successfully, an individual must be able to perform each of the essential duties satisfactorily. Provides financial and regulatory reporting and analyses to maintain adequate controls over the financial and regulatory reporting processes. Responsible for running complex business performance, risk, and operational analytics. May include the development of analytical methods/models to assess market, credit and/or operational risk of new and existing financial products. Leverages business / product expertise to rigorously analyze large datasets, improve risk adjusted returns, deliver profitable growth, and communicate conclusions. Synthesizes analytical results and develops, recommends, and implements business strategies that improve lending decisions, assist in managing risk, increase revenues, reduce exposure to losses, meet business goals, and improve performance. Establishes baselines for strategies and tracks actual performance to expectations. Applies predictive models, third party data, and other tools to develop and execute appropriate segmentation and targeting for acquisition and portfolio strategies to provide insight into portfolio risk. Manages engagements with internal and external information suppliers ensuring solution is fit for purpose while maintaining appropriate governance and oversight. Evaluates market conditions and peer bank behavior to identify internal and external trends and issues affecting credit risk and return and to determine appropriate risk limits and optimal portfolio allocation. Collaborates with the line of business, Finance, and Risk partners to assess and establish credit risk appetite and to understand its implications, as well as to establish policies and procedures governing the identification, monitoring, and management of risk appetite. Organizational Structure : Reports to: VP, Credit Card Portfolio Analysis Supervises: None Qualifications: Education: Roles at this level typically require a university / college degree. Higher level education such as a Master's degree, PhD, or certifications is desirable. Industry experience is typically 4+ years. In lieu of a degree, a comparable combination of education and experience (including military service) may be considered. Required Experiences/Skills : Banking Products - Knowledge of and ability to provide products and services available through the bank. Big Data Management and Analytics - Knowledge and ability to plan and execute, big data management and analytics. Business Analytics - Knowledge of technologies, techniques, and practices for the evaluation of business performance data; ability to analyze business performance using advanced statistical methods to justify and drive future business planning decisions. Credit Risk - Knowledge of processes, tools, and techniques used to determine the degree of credit risk in a given transaction or customer relationship; ability to assess, rate and manage exposure to credit risk. Mathematics of Financial Instruments - Knowledge of and ability to perform the mathematical calculations that underlie various financial instruments. Operational Risk - Knowledge of policies and processes for operational risk management; ability to use tools, data, and best practices to identify, assess, and manage operational risk exposures. Predictive Analytics - Knowledge of, experience with and ability to use the tools, processes, and practices for predicting business trends and providing forecasts that drive business decisions and business planning. Pricing Models and Analytics - Knowledge of pricing tools, techniques, and methods; ability to assess analytical and pricing models through the use of statistical principles. Regulatory Environment - Financial Services - Knowledge of and ability to help an organization adapt to applicable federal, state, local, and company-specific regulations, policies, and guidelines affecting business practices. SAS and/or Python data analytics Talents: Strong positivity Mission driven, competitive, goal oriented, and motivated to develop themselves and others Energetic, resourceful, and appropriate work intensity to get the work done Strong people acumen and relationship skills; Naturally pre-disposed to quickly establish positive personal and professional relationships Other : Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form. Must be able to lift to 20 pounds.
Company:
Transpecos Banks
Posted:
December 26 2023 on ApplicantPool
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More About this Listing: Credit Card Business Analyst
Credit Card Business Analyst is a Jobs Business Analyst Job at Transpecos Banks located in San Antonio TX. Find other listings like Credit Card Business Analyst by searching Oodle for Jobs Business Analyst Jobs.
Credit Card Business Analyst is a Jobs Business Analyst Job at Transpecos Banks located in San Antonio TX. Find other listings like Credit Card Business Analyst by searching Oodle for Jobs Business Analyst Jobs.