Senior Analyst, Horizontal Analytics, Credit Risk

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

About This Role:

Major responsibilities:

·         Communicate card portfolio insights to risk committees, senior leadership, marketing, finance teams, and strategy forums, translating complex data into clear, decision-ready narratives.

·         Create early warning indicator reports for detecting deteriorating credit quality across portfolios and customer segments.

·         Analyze customer acquisition channels and partners to optimize risk-adjusted returns across card products, segments, and acquisition channels.

·         Conduct comprehensive analysis of credit card portfolio performance metrics including delinquency, charge-off, and utilization patterns.

·         Work with minimal supervision to independently explore large datasets, surface insights, and present findings to cross-functional stakeholders.

·         Evaluate and pilot emerging tools, platforms, and technologies to enhance the efficiency and accuracy of credit risk analytics.

·         Drive process automation initiatives to streamline reporting, data preparation, and model execution workflows.

·         Identify opportunities to integrate AI-driven insights into existing risk management frameworks and decision-making processes.

·         Stay current with advancements in AI, machine learning, and data science as applied to financial services and credit risk.

·         Develop, maintain, and enhance credit loss forecasting models with a primary focus on credit card loss curves, including vintage analysis and roll-rate methodologies.

·         Provide analytical guidance and mentorship to junior team members.

Knowledge & Skills

·         Knowledge of consumer and/or small business credit card products and risk dynamics

·         Proficiency in statistical techniques, modeling, and quantitative analysis

·         Knowledge of loss forecasting methods including vintage analysis, roll-rate, and time series approaches

·         Familiarity with AI and machine learning frameworks and their application to credit risk

·         Ability to work independently with data to identify complex business trends and propose solutions

·         Strong executive communication and data storytelling skills

·         Technical proficiency in SQL, Python, SAS, and Excel, BI tools for visualizations

The Ideal Candidate for This Role:

Education and Experience

·         Bachelor’s degree in quantitative fields such as Math, Physics, Statistics, engineering, Computer Science required. Advanced degree preferred

·         3+ years of experience in Credit management or Credit Risk Forecasting or other highly analytical business field.

·         Proven ability to work collaboratively within a cross-functional team environment.

·         Ability to present recommendations and influence senior management.

·         Excellent oral and written communication skills.

·         Demonstrate ability to work in a fast-paced environment, meet deadlines and work independently.

Compensation:

This role may have a specific starting pay within this range.

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

Work Environment:

Benefits Overview:

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:

• Medical, Dental, Vision Insurance

• 401k, With Matching Contributions

• Time Off Programs

• Health Savings Account (HSA)/Dependent Care

• Employee Banking

• Growth Opportunities

• Tuition Assistance

• Short-Term/Long-Term Disability Insurance

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.

For additional information regarding compensation and benefits, e-mail FNBO at TAGAdmin@fnni.com. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Equal Opportunity & Belonging:

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

Learn more here.

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

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FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC

FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)

Application Deadline:

All our jobs will be posted for a minimum of 5 calendar days.  Job postings may come down prior to 5 calendar days based on volume of applicants.