Credit Review Data Scientist Senior

OVERVIEW:Serves as the primary technical resource responsible for data extraction, transformation, analysis, dashboard development, and operational reporting supporting Credit Review activities. Serves as a "hands-on keyboard" analytics expert in developing complex methods, processes, and systems to consolidate and analyze diverse big data sources to generate insights and solutions for the Credit Review team, and for product enhancements. Works closely with the Credit Review Data Steward to support the Credit Review Department’s portfolio Risk Assessment process, review universe development, Reviewable Entity definition, sample selection, portfolio monitoring, and executive reporting. Assists other members of the Credit Review Professional Practices team with data visualization initiatives.POSITION RESPONSIBILITIES:Data Extraction & TransformationExtract data from Commercial and Consumer loan systems and from data warehouse environments.Create repeatable Extract, Transform, Load (ETL) processes.Build automated datasets.Portfolio AnalyticsProduce portfolio segment analyses.Monitor asset quality trends.Generate concentrations and risk stratifications.Support Credit Review’s Risk Assessment processes.Sample Selection AnalyticsAssist in determining, developing and stratifying portfolio populations.Generate statistically valid samples.Document sample methodologies.Dashboard DevelopmentBuild and maintain dashboards tracking factors such as Credit Review’s review universe, planned versus completed reviews, testing deviation trends, delinquencies, Criticized assets, charge-offs, risk rating migration, and emerging portfolio risks.Ad-Hoc AnalysisSupport Credit Review’s Targeted Review activity.Perform targeted portfolio analyses.Respond to management requests.Support regulatory examinations.Complete other related duties as assigned.NATURE AND SCOPE:N/AMANAGERIAL/SUPERVISORY RESPONSIBILITY:NoneMINIMUM QUALIFICATIONS REQUIRED:Bachelor’s degree and a minimum of 5 years related experience, or in lieu of a degree, a combined minimum of 9 years higher education and/ or work experience, including a minimum of 5 years related experienceExperience working with multiple statistics and data science principles such as AB testing, sample selection, hypothesis testing, and modeling biasProficiency with pertinent statistical software and languages and toolsExperience with various hybrid databases both on premise and in the cloudIntermediate level knowledge of Structured Query Language (SQL) and Not Only Structured Query Language (nSQL)Intermediate understanding of modeling techniques such as Bayesian Modeling, Classification models, Cluster analysis, Neural Network, Non-parametric methods, and Multivariate statisticsExperience analyzing large data setsIDEAL QUALIFICATIONS PREFERRED:Credit Risk Management or Credit Review experienceExtensive knowledge of and familiarity with data management, analysis, and warehousing products, systems and workflows (Python, Power BI, Alteryx, etc.)Highly proficient with Data Governance Tools and with data warehousing conceptsExperience participating in the remediation of complex data issuesStrong understanding of statistical sampling methodologies and statistical analysis techniques and toolsStrong portfolio analytics capabilitiesStrong data visualization skills (Power BI, Tableau)Understanding of AI, Generative AI, and Machine Learning applications and capabilities are considered a plusPrompt engineering skills are considered a plusPHYSICAL REQUIREMENTS:M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $103,000.00 - $171,600.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBuffalo, New York, United States of AmericaSummaryLocation: Buffalo, NYType: Full time