Credit Review Data Scientist Senior

001 Manufacturers and Traders Trust Co; Buffalo (NY); On-site; USD 103,000 - 172,000; Full time

Benefits offered by this job

Medical benefits

Retirement plan

Volunteer time off

Job summary

M&T Bank Corporation is seeking a data analytics professional to lead extraction, transformation, and analytics for Credit Review. The role focuses on building automated ETL processes, portfolio analyses, and dashboards to monitor risk indicators and performance across the loan portfolio.

You will work with data stewards and the Credit Review team to refine sampling, run statistical analyses, and support regulatory reviews. Strong SQL, Python, Power BI, and cloud/database experience are required.

Qualifications

• Bachelor’s degree and 5+ years related experience, or 9+ years combined education and/or work experience.
• Experience with AB testing, sample selection, hypothesis testing and modeling bias.
• Proficiency with statistical software and languages and tools.
• Experience with hybrid databases on premise and in the cloud.
• Knowledge of SQL and Not Only SQL (nSQL).
• Experience analyzing large data sets.

Responsibilities

• Extract data from loan systems and data warehouses; build repeatable ETL processes.
• Create automated datasets and dashboards for portfolio analytics.
• Produce portfolio segment analyses and monitor asset quality trends.
• Assist in sample population determination and stratification; document methodologies.
• Develop and maintain dashboards tracking review universe, testing deviation trends, delinquencies, charge-offs, and risks.
• Perform ad-hoc targeted analyses and support regulatory examinations.

Skills

AB testing

Sample selection

Hypothesis testing

Modeling bias

Bayesian modeling

Neural networks

Large data analysis

Education

Bachelor’s degree

Tools

Python

Power BI

Alteryx

SQL

nSQL

Job description

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 & Transformation

• Extract data from Commercial and Consumer loan systems and from data warehouse environments.
• Create repeatable Extract, Transform, Load (ETL) processes.
• Build automated datasets.

Portfolio Analytics

• Produce portfolio segment analyses.
• Monitor asset quality trends.
• Generate concentrations and risk stratifications.
• Support Credit Review’s Risk Assessment processes.

Sample Selection Analytics

• Assist in determining, developing and stratifying portfolio populations.
• Generate statistically valid samples.
• Document sample methodologies.

Dashboard Development

• Build 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 Analysis

• Support 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/A

MANAGERIAL/SUPERVISORY RESPONSIBILITY

None

MINIMUM 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 experience
• Experience working with multiple statistics and data science principles such as AB testing, sample selection, hypothesis testing, and modeling bias
• Proficiency with pertinent statistical software and languages and tools
• Experience with various hybrid databases both on premise and in the cloud
• Intermediate 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 statistics
• Experience analyzing large data sets

IDEAL QUALIFICATIONS PREFERRED

• Credit Risk Management or Credit Review experience
• Extensive 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 concepts
• Experience participating in the remediation of complex data issues
• Strong understanding of statistical sampling methodologies and statistical analysis techniques and tools
• Strong portfolio analytics capabilities
• Strong data visualization skills (Power BI, Tableau)
• Understanding of AI, Generative AI, and Machine Learning applications and capabilities are considered a plus
• Prompt engineering skills are considered a plus

PHYSICAL 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.

Location Buffalo, New York, United States of America

Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Bank’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communities—combining the capabilities of a large bank with the care of a locally focused institution.

• competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year.

Our core values – integrity, ownership, collaboration, curiosity, and candor – drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members.

M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws.

M&T Bank Corporation has policies and procedures in place to promote a drug free workplace.