Business Analyst - Retail Banking

Analytic Recruiting Inc.; New York (NY); On-site; USD 110,000 - 160,000; Full time

Job summary

Leading Bank is seeking a hands‑on Senior Business Analyst to drive data‑driven insights, process optimization, and digital workflow modernization across Retail, Commercial, Corporate, Treasury, Payments, and Digital Banking businesses.

Locations include Los Angeles, NYC, and TX; the role partners across Operations, Technology, Risk, and Compliance to deliver measurable improvements in customer experience and portfolio performance.

Qualifications

• 8+ years of experience in business analysis, process design, or workflow transformation in Banking.
• Strong knowledge of deposits, lending, treasury services, payments, and digital banking.
• Proficiency with BPMN, use cases, user stories, and data flow mapping.
• Experience with KPI design, dashboards, segmentation, and customer insights.
• Familiarity with core banking systems and regulatory expectations.

Responsibilities

• Analyze customer, product, and operational data across Retail, Commercial, and Corporate Banking to identify trends, opportunities, and performance gaps.
• Build dashboards, KPI frameworks, and executive reporting tracking portfolio health, customer behavior, lending performance, treasury services utilization, branch/channel performance, and digital adoption.
• Translate analytical findings into actionable recommendations for product, pricing, credit, treasury management, and operations.
• Map and redesign end-to-end workflows across deposits, lending, treasury, payments, FX, onboarding, servicing, fraud handling, and digital channel journeys.
• Identify automation opportunities to reduce manual work, improve straight‑through processing, and enhance customer experience across Retail and Commercial operations.
• Partner with Operations to streamline reconciliation, reporting, exception management, and servicing processes.
• Support enhancements to online, mobile, and commercial digital platforms by analyzing usage patterns, friction points, and feature adoption.
• Develop user stories, functional requirements, and process flows for digital banking improvements across consumer and business banking.
• Collaborate with UX, Product, and Technology teams to validate concepts through prototypes and iterative testing.
• Work closely with Retail, Commercial, Treasury, Payments, Technology, Risk, Compliance, and Data teams to ensure solutions meet regulatory, operational, and customer‑experience requirements.
• Facilitate agile ceremonies including backlog refinement, sprint planning, and prioritization based on business value.
• Ensure all requirements are audit‑traceable, well‑documented, and aligned with governance standards.
• Define and trace outcome‑based KPIs for initiatives like deposits, lending, digital engagement, and risk reduction.
• Prepare executive‑level reporting and insights for senior banking leadership.

Education

Bachelor's degree or higher in Business, Information Systems, Finance, Engineering, or related field

Tools

Power BI

Tableau

SQL

Snowflake

Databricks

Job description

Leading Bank is seeking a hands‑on Senior Business Analyst to drive data‑driven insights, process optimization, and digital workflow modernization across the bank’s Retail, Commercial, Corporate, Treasury, Payments, and Digital Banking businesses.

Locations: Los Angeles, NYC, and TX

his role is responsible for analyzing customer, product, and operational data; designing scalable business processes; and partnering across business lines, Operations, Technology, Risk, and Compliance to deliver measurable improvements in customer experience, operational efficiency, and portfolio performance. The Senior Business Analyst will play a central role in shaping how the Bank uses analytics, automation, and modern digital tools to improve growth, profitability, and operational effectiveness across all banking segments

Responsibilities

• Analyze customer, product, and operational data across Retail, Commercial, and Corporate Banking to identify trends, opportunities, and performance gaps
• Build dashboards, KPI frameworks, and executive reporting that track portfolio health, customer behavior, lending performance, treasury services utilization, branch/channel performance, and digital adoption
• Translate analytical findings into actionable recommendations for product, pricing, credit, treasury management, and operational teams

Process & Workflow Optimization

• Map and redesign end‑to‑end workflows across deposits, lending, treasury services, payments, FX, onboarding, servicing, fraud/exception handling, and digital channel journeys
• Identify automation opportunities to reduce manual work, improve straight‑through processing, and enhance customer experience across both Retail and Commercial operations
• Partner with Operations to streamline reconciliation, reporting, exception management, and servicing processes

Digital Banking & Customer Experience

• Support enhancements to online, mobile, and commercial digital platforms by analyzing usage patterns, friction points, and feature adoption
• Develop user stories, functional requirements, and process flows for digital banking improvements across consumer and business banking
• Collaborate with UX, Product, and Technology teams to validate concepts through prototypes and iterative testing

Cross‑Functional Delivery

• Work closely with Retail, Commercial, Treasury, Payments, Technology, Risk, Compliance, and Data teams to ensure solutions meet regulatory, operational, and customer‑experience requirements
• Facilitate agile ceremonies including backlog refinement, sprint planning, and prioritization based on business value
• Ensure all requirements are audit‑traceable, well‑documented, and aligned with enterprise governance standards

Performance Measurement

• Define and trace outcome‑based KPIs for all initiatives, including deposit growth, lending efficiency, treasury product adoption, digital engagement, operational efficiency, and risk reduction
• Prepare executive‑level reporting and insights for senior banking leadership

Qualifications

• 8+ years of experience in business analysis, process design, or workflow transformation within Retail, Commercial, Corporate, or Treasury Banking
• Strong domain knowledge in deposits, consumer lending, commercial lending, treasury services, payments, FX, onboarding, servicing workflows, and digital banking platforms
• Proficiency in business analysis methodologies: BPMN process modeling, use case development, user stories, functional specifications, and data flow mapping
• Experience with banking analytics, including KPI design, dashboarding, segmentation, portfolio analysis, and customer behavior insights
• Understanding of core banking systems, treasury platforms, payment rails, FX engines, and digital banking systems (FIS, Fiserv, Temenos, Jack Henry, Thought Machine, or similar). Strong grasp of risk, compliance, and regulatory expectations across consumer and commercial banking (KYC, AML, BSA, Reg E, UDAAP, commercial credit policies, etc.)
• Ability to collaborate with cross‑functional teams and present complex findings clearly to senior leadership
• Bachelor’s degree in Business, Information Systems, Finance, Engineering, or related field; advanced degree preferred

Required Skills

Power BI, Tableau, SQL, Snowflake, Databricks