Senior Credit Risk Analytics & AI Lead

First National Bank of Omaha; Omaha (NE); Hybrid; USD 82,000 - 135,000; Full time

Benefits offered by this job

Medical

Dental

Vision Insurance

401k

Time Off Programs

HSA/Dependent Care

Employee Banking

Growth Opportunities

Tuition Assistance

Disability Insurance

Job summary

First National Bank of Omaha (FNBO) is seeking a Senior Analyst to act as a technical expert in credit risk management, delivering advanced analytics and actionable recommendations. The role leads executive reporting, portfolio analytics, AI/innovation, and credit loss forecasting with minimal supervision.

You will translate complex data for risk committees, develop early warning indicators, and mentor junior staff while collaborating with cross-functional teams.

Qualifications

• Bachelor's 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.

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.

Skills

Credit risk

Statistical analysis

Time series

AI/ML in credit risk

SQL

Python

SAS

Excel

Data storytelling

Education

Bachelor’s degree in quantitative fields

Advanced degree

Tools

SQL

Python

SAS

Excel

BI tools

Job description

First National Bank of Omaha (FNBO) is seeking a Senior Analyst to act as a technical expert in credit risk management, delivering advanced analytics and actionable recommendations. The role leads executive reporting, portfolio analytics, AI/innovation, and credit loss forecasting with minimal supervision.

You will translate complex data for risk committees, develop early warning indicators, and mentor junior staff while collaborating with cross-functional teams.