Senior Analyst, Horizontal Analytics, Credit Risk

At FNBO our employees are the heart of our storyand were committed to their success! Please see below the details of this career opportunity and how it fits into our organizations success.

Summary of the Job:

The Senior Analyst serves as a key technical expert within the banks credit risk management function providing advanced analytical support and insights to drive informed credit decisions This experienced professional leads work across four core domains: executive reporting portfolio analytics AI and innovation and credit loss forecasting. The position requires strong analytical capabilities combined with business acumen to translate complex credit data into actionable recommendations. The Senior Analyst works with minimal supervision while providing guidance to junior team members serving as a bridge between technical analysis and practical business application in credit risk management.

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

Bachelors 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.

Candidates must possess unrestricted work authorization and not require future sponsorship.

Compensation:

Compensation range (base pay): $81662.00-$134741.00

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:

It is anticipated that the incumbent in this role will work in a hybrid capacity balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team youll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.

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

Job number: R-

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 selvesno matter their role or where they are in their journey.

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

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.

Required Experience:

Senior IC