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Business Bank Lending Risk Analytics Associate
mid · Risk & Compliance
Help shape how quality small business loans are originated and managed—using data, strategy, and sound risk discipline. This role offers high visibility and direct ownership of lending risk strategy criteria that influence real credit decisions. You’ll turn complex datasets into management-ready insights and recommendations that balance growth with prudent risk outcomes. Join a collaborative team where analytical rigor, business intuition, and strong controls are equally valued.
As a/an Strategic Analytics Associate in Business Banking Risk, you…
…generate data-driven insights and recommendations that inform strategy development, implementation, and performance monitoring across the Business Banking portfolio. You will translate complex data into actionable management information, define and track credit risk targets and KPI’s, and design/test lending strategies that optimize profitability while minimizing risk.
This opportunity provides broad exposure to cross-functional stakeholders, end-to-end ownership across acquisition through the credit lifecycle, and a strong emphasis on maintaining an audit-ready environment through robust documentation and controls.
Job Responsibilities
- Quantify credit risk and financial return profiles for new small business lending accounts and client relationships, including establishing risk targets and KPI’s.
- Develop analytics-driven recommendations that optimize strategy outcomes across growth, profitability, and credit risk.
- Design and refine lending risk strategy criteria used to support quality originations and consistent decisioning.
- Build and maintain periodic reporting on volumes, approval and funding rates, early delinquency, and charge-off/loss performance.
- Monitor portfolio performance across the acquisition funnel and throughout the credit lifecycle to identify emerging trends and risk signals.
- Conduct pre-implementation and post-implementation testing to validate strategy changes and measure realized impact versus expectations.
- Analyze driver-level performance to isolate what is working, what is changing, and where targeted interventions are needed.
- Partner with cross-functional stakeholders to translate analytical findings into clear, actionable decisions and execution plans.
- Automate repeatable data pulls and reporting processes to improve timeliness, accuracy, and scalability of management information.
- Document methodologies, assumptions, controls, and strategy changes to support an audit-ready operating environment.
- Draft clear, evidence-based responses to internal audit and regulatory questions, ensuring traceability to data and controls.
Required qualifications, capabilities, and skills
- Hold a Bachelor’s degree with minimum 5+ years of professional experience in risk management or another quantitative field OR a Master’s degree with minimum 3+ years of related experience.
- Demonstrate a strong background in statistics, econometrics, or a related quantitative discipline.
- Apply strong proficiency in SQL or SAS to query large datasets and build reliable, reusable analyses.
- Use predictive analytics techniques (e.g., decision-tree tools, forecasting approaches) to evaluate risk/return tradeoffs and support strategy decisions.
- Explain key credit reporting concepts and how they inform lending decisions, risk segmentation, and performance monitoring.
- Show familiarity with consumer or business lending products and lifecycle risk dynamics (origination through loss).
- Transform raw data into actionable management information with clear narratives, implications, and recommended actions.
- Demonstrate strong problem-solving skills and comfort working through ambiguity with a structured, hypothesis-driven approach.
- Communicate analytical results effectively in writing and verbally, including presenting to cross-functional stakeholders and senior audiences.
- Maintain strong attention to detail, controls, and documentation practices to support an audit-ready environment.
- Exhibit strong organizational skills to manage multiple priorities, timelines, and stakeholders without sacrificing analytical rigor.
Preferred qualifications, capabilities, and skills
- Hold a Master’s degree with minimum 5+ years of professional experience related to risk management or other quantitative fields.
- Bring a strong track record in small business lending and/or consumer lending strategy, underwriting, or portfolio analytics.
- Demonstrate intellectual curiosity and a data-guided approach to uncovering meaningful insights and root causes.
- Leverage experience building or improving KPI frameworks, dashboards, and performance monitoring routines for lending portfolios.
- Apply experience in strategy testing/measurement (e.g., champion/challenger, policy/criteria changes, impact sizing).
- Show proven ability to influence decisions through clear storytelling, structured recommendations, and stakeholder alignment.
- Contribute experience operating in well-controlled, highly regulated environments with strong audit and documentation discipline.