You will play a key role in working closely with risk partners  in developing the risk appetite P&L for Lending Business within Business Banking.  Additionally, you will be part of the team to develop Retail Valuation Framework (RVF) in partnership with the Credit Risk Team.  This role requires strong analytical expertise, financial knowledge, and collaboration with internal teams to balance risk and growth. 

 

As a Senior Associate in Financial Analysis on the Business Banking Lending Finance & Pricing Team, you will be responsible in contributing to the newly created 1st line credit function for the Business Banking organization.  You will also be responsible for monitoring of financial results, and support of pricing strategy.  You will report directly to the Business Banking Retail Finance Lead.  

Job Responsibilities:

Conduct detailed quantitative analysis and design analytical frameworks to forecast key account performance and profitability measures, including Return on Equity (RoE).Contribute in developing pricing strategies in collaboration with credit and product strategy, translating product and margin goals into actionable pricing roadmaps, and creating test plans for each portfolio.Collaborate with Product, Risk, Fraud, and Collections teams to execute strategies that achieve credit goals.Develop and implement metrics to track portfolio performance and contribute to reporting dashboards for senior leadership.Create, maintain, and enhance multi-year financial models to assess the impact of strategic decisions on the Profit & Loss (P&L) statement.Perform in-depth data analysis to produce clear insights that translate into financial impact.Work with leadership to set achievable financial targets aligned with long-term goals.

Required Qualifications, Capabilities and Skills:

Bachelor’s degree in finance-related or quantitative field4+ years of experience in consumer lending, treasury, finance, or P&A at a financial services firmStrong aptitude in Microsoft Excel and Alteryx platformAbility to create financial models, reporting, and repeatable processes

Preferred Qualifications, Capabilities and Skills:

Experience with a lending P&L is a plusExperience using SAS/SQL is a plus