Business Bank Lending Risk Analytics - Consumer & Community Banking -Associate

Job Description

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, acti...

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