About the Role:

Are you passionate about turning data into strategic insights that drive business decisions? We’re looking for a Consumer Lending Pricing and Portfolio Forecasting Analyst to join our Consumer Lending Strategy & Analytics team. In this high-impact role, you’ll serve as a trusted advisor to product leaders across our consumer lending portfolio—including credit cards, HELOCs, installment loans, and retail lines of credit. You’ll lead efforts in forecasting, pricing strategy, and performance analysis, helping shape the future of our lending products. This is more than just a numbers role—you’ll be influencing business strategy through data-driven recommendations and presenting your insights to senior stakeholders.

What You’ll Do:

Forecasting & Planning: Develop and maintain forecasts for key consumer lending products. Support the annual business planning process and provide scenario modeling to guide strategic decisions.

Strategic Analysis & Insights: Conduct deep-dive analyses on product performance, marketing campaign effectiveness, and customer behavior. Translate findings into actionable recommendations for business leaders.

Pricing Strategy: Evaluate pricing scenarios and forecast the financial impact of proposed changes to product terms. Provide data-backed recommendations to optimize profitability and competitiveness.

Business Partnership: Act as a strategic partner to product line leaders, offering insights and guidance based on data trends and financial analysis.

Data Extraction & Reporting: Interact with various database software to extract, prepare and deploy information to end users in support of the reporting and analysis needs of the Product Management Team.

Model Interpretation: Work with existing financial models to inform business decisions. While you won’t build models from scratch, you’ll need to understand their key drivers and support ongoing model monitoring plans. 

Education and Experience Required:

Bachelor’s degree, or equivalent work experience

4 or more years of related experience

Education and Experience Preferred:

4 or more years in business analysis, finance, or a related field (banking or financial services experience highly preferred)

Strong forecasting and financial analysis capabilities

Proficiency in Microsoft Suite of products and beginner level in data analysis skills such as SQL and business intelligence / data visualization tools

Experience working with consumer lending products (credit cards, HELOCs, installment loans, etc.) is a strong advantage

Ability to translate complex data into clear business recommendations

Familiarity with working alongside or within product teams is a plus

Ability to created exec ready presentations and communicate findings and recommendations

Working Model & Office Location:

This is a hybrid position requiring 3 days in-office per week

Eligible candidates must live within commuting distance to 345 Main Street, Buffalo, NY 14203

Why Join Us?

You’ll be part of a collaborative, forward-thinking team that values curiosity, creativity, and clarity. Your work will directly influence the strategies behind some of our most important consumer products. If you’re looking for a role where your analytical skills can make a real business impact, we’d love to hear from you.

M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $71,985.72 - $119,976.20 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.

LocationBuffalo, New York, United States of America