Credit Risk & Data Analytics Analyst - Vehicle Lending

Bank of America; South Dakota; On-site; USD 72,000 - 131,000; Full time

Job summary

Bank of America is seeking a data and risk analytics professional to support complex reporting, analyze portfolio trends, and collaborate with Technology to ensure data needs are met. The role focuses on risk identification, data design, and integration across Risk functions, with opportunities to drive improvements and innovation.

The position requires strong quantitative skills, programming ability, and experience with BI tools.

Qualifications

• 4+ years in quantitative data analytics or 5+ years in a quantitative role.
• Experience in data science and critical thinking.
• Ability to apply analytical and programming skills to analyze large datasets and translate findings into actionable insights.
• Understanding of the modeling process, model performance measures, and model risk.
• Experience in partnering, influencing, and persuading to achieve results.
• Excellent oral, written, influencing and interpersonal communication skills.
• Programming skills – Python / SAS / SQL / R (Intermediate)

Responsibilities

• Supports the development and execution of reporting to allow Risk and business partners to effectively identify and manage risk
• Analyzes trends and supports the data design, portfolio trends, loss trends, and portfolio dynamics to ensure alignment with business strategies
• Provides analytical support on various product strategic initiatives affecting multiple Risk functions and lines of business to ensure company goals are met
• Participates in the development of database production processes and performance reports for senior management, using data mining and other advanced analytical techniques to aggregate data
• Supports with responding to complex ad-hoc requests for information from both internal and external parties
• Provides support on cross-functional efforts to remediate data quality issues
• Monitors the outputs of controls and investigates alerts from the control checks
• Perform complex analysis to produce unique insights into asset quality, model use risk, and other emerging risks
• Support the development of Credit Risk points of view through analysis of loss forecasting results, model use risks, and emerging risk themes.
• Explore more sophisticated analytical techniques to assess current and potential risks
• Provide independent assessment of model use risks within the Consumer and Small Business model inventory
• Expand AI adoption in support of effective monitoring, risk assessment, operational excellence, and documentation

Skills

Data Analysis

Model Risk

Python / SAS / SQL / R

Communication

Data Visualization

BI Tools

Education

Bachelor's degree in quantitative discipline

Tools

Python

SAS

SQL

R

Tableau

Excel

PowerPoint

Job description

Bank of America is seeking a data and risk analytics professional to support complex reporting, analyze portfolio trends, and collaborate with Technology to ensure data needs are met. The role focuses on risk identification, data design, and integration across Risk functions, with opportunities to drive improvements and innovation.

The position requires strong quantitative skills, programming ability, and experience with BI tools.