Card Enterprises Senior Business Analyst

This is a remote role that may be hired in several markets across the United States.

This position is responsible for analysis at the highest level of complexity and data expertise. Assesses a wide scope of factors affecting business profitability, growth, and efficiency, and aids strategic initiatives to address identified issues. Evaluates current practices, collects information and industry trends, and creates specifications to support business initiatives. Develops and implements process improvements. Participates in special analytical projects and advanced technical reporting. May provide a leadership role for the work group through knowledge in the area of specialization.

Risk Analytics & Data Insights

• Develop and implement risk frameworks and data strategies in partnership with Risk, Product and IT teams, aligning with the bank's risk policies and tolerance levels.
• Analyze large datasets to detect risk trends, loss patterns, and anomalies.
• Prepare risk reports, dashboards, and visualizations for senior management with data-driven insights and recommendations.
• Continuously assess the effectiveness of risk management systems, identifying opportunities for process and technology improvements.
• Design automated alerts to detect high-risk behaviors.

Cross-Functional Collaboration

• Collaborate with Product, Risk and IT teams to implement analytical risk frameworks into enterprise-grade risk management infrastructure.
• Partner with engineering and data science teams to optimize data pipelines and risk reporting automation.
• Support underwriting teams by building scalable reporting tools that enable efficient risk reviews and portfolio oversight.
• Provide guidance to internal stakeholders on interpreting risk data and leveraging insights for strategic decision-making.

Bachelor's Degree and 6 years of experience in Analytics, or modeling, or reporting OR High School Diploma or GED and 10 years of experience in Analytics, or modeling, or reporting

Qualifications

• Experience creating data driven risk insights within a payment, fintech, or banking environment.
• Experience with statistical analysis languages like Python or R, strong proficiency with SQL
• Strong proficiency in SQL, Tableau, Power BI, and data visualization tools for reporting and dashboard creation.
• Knowledge of credit risk monitoring and analytics.
• Experience developing complex queries and working with large data sets to drive actionable insights.
• Experience designing monitoring dashboards and risk scoring models.

Preferred Qualifications

• Banking experience-preferably with commercial credit cards
• Knowledge of Credit Underwriting or Credit Portfolio Management
• Knowledge of credit scoring bureaus and data (i.e. Experian small business credit scores)
• Strong SQL
• Strong Python or SAS skills

This job posting is expected to remain active for 10 days from the initial posting date listed above. If it is necessary to extend this deadline, the posting will remain active as appropriate. Job postings may come down early due to business need or a high volume of applicants.

If hired in California, the base pay for this position is generally between $121,636 and $210,836. If hired in New Jersey, Maryland or Washington, D.C., the base pay for this position is generally between $116,591 and $202,091. If hired in Colorado or New York, the base pay for this position is generally between $111,545 and $193,345. If hired in Illinois or Washington, the base pay for this position is generally between $106,432 and $184,482. If hired in Vermont, Minnesota or Hawaii the base pay for this position is generally between $101,386 and $175,736. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Job postings may come down early due to business need or a high volume of applicants.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.