Senior Bank Credit Management and Reporting

Bread Financial; Draper (UT); On-site; USD 100,000 - 140,000; Full time

Job summary

Bread Financial is seeking a Senior - Bank Credit Management and Reporting to lead bank credit reporting, trend analysis, and risk monitoring across the enterprise. You will develop monthly, quarterly, and annual reports for leadership, committees, and the board, translating complex data into clear insights.

Ideal candidates have strong SQL/SAS experience, data manipulation skills, and the ability to present findings to diverse stakeholders.

Qualifications

• High School Diploma or GED required.
• 5-8 years of experience with SQL and SAS for complex data analysis, data manipulation, and report creation.

Responsibilities

• Manipulate large data sets and create clear formats and presentations using SQL, SAS, Dataiku, Excel, and BI tools.
• Develop trend reporting at bank, portfolio, and client levels for stakeholders.
• Ensure bank and transaction testing data reporting is accurate and timely on a schedule.
• Advise and lead the team on bank level credit trend reporting, monitoring, and analysis.

Skills

Banking Industry

Consumer Credit Risk

Data Analysis

Data Reporting

Education

High School Diploma or GED

Tools

SQL

SAS

Dataiku

Excel

MicroStrategy

Tableau

Job description

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Job Summary

The Senior - Bank Credit Management and Reporting, is responsible for developing and maintaining bank reporting and ad hoc analysis, queries, and reports, as it relates to credit management for the bank. This role will produce monthly, quarterly, and annual reporting for bank and enterprise leadership, bank and credit committees, and the banks' board of directors. It includes responsibility for ongoing credit trend analysis, performance reporting, risk assessment trending and monitoring, and other ad-hoc analysis as needed.

Essential Job Functions

• Manipulate large data sets into clear and readable formats and presentations, using tools such as SQL, SAS, Dataiku, and Excel, as well as business intelligence tools such as MicroStrategy, Tableau, or other platforms. (30%)
• Independently analyze data output to develop trend reporting at the bank, portfolio, and client level, for various constituents and stakeholders. (30%)
• Ensure bank and transaction testing data and reporting is accurate and timely on a scheduled cadence. (20%)
• Advise and lead the team on bank level credit trend reporting, monitoring, and analysis. (20%)

Minimum Qualifications

• High School Diploma or GED
• 5-8 years experience with SQL and SAS, performing complex data analysis, data manipulation, and creation of reports.

Preferred Qualifications

• Experience creating and maintaining complex data queries using SQL or SAS languages.
• Banking and credit card portfolio knowledge and understanding of credit card operations.

Skills

• Banking Industry
• Consumer Credit Risk
• Data Analysis
• Data Reporting