Senior Financial Analyst

Credit One Bank; Las Vegas (NV); On-site; USD 90,000 - 120,000; Full time

Job summary

Credit One Bank in Las Vegas, NV seeks a Senior Financial Analyst to manage and optimize risk-adjusted profitability of existing customer programs. You will perform deep-dive program analysis, develop forecasting models, and deliver insights to drive growth without compromising profitability.

The role requires a strong background in Finance or related fields, 5+ years in analytics, proficiency in Excel, SAS/SQL, and excellent communication.

Qualifications

• Bachelor's degree in Finance, Economics, Mathematics, Statistics or related field.
• 5+ years work experience in Finance, Risk, Analytics, or similar role.
• 5+ years advanced use of: Microsoft Excel, Microsoft PowerPoint, SAS or SQL.
• Excellent analytical, problem-solving, and decision-making skills.
• Ability to prioritize projects, work independently, deal with ambiguity, handle tight deadlines, and achieve effective results in a fast-paced, dynamic environment.
• Experience analyzing large data sets, developing recommendations, and simplifying for presentation.
• Excellent verbal and written communication skills.
• Ability to work well with various departments and teammates.
• Constant desire to learn and grow.

Responsibilities

• Analyze program-level historical P&L performance to identify revenue opportunities and risk factors such as roll rates and delinquent buckets at an early stage.
• Communicate trends and findings to team members, upper management, and stakeholders via department meetings with PowerPoint presentations on a monthly and quarterly basis.
• Forecast future performance of existing customer programs utilizing Excel-based and SAS-based P&L forecast models while assessing variances between forecasted vs. actual results.
• Optimize strategies to grow the company’s bottom line including testing of various fees, credit line increase and convenience check amounts.
• Develop ad-hoc historical reports to assist with financial analysis as needed.

Skills

Analytical

Problem-solving

Decision-making

Communication

Prioritization

Independence

Work under pressure

Education

Bachelor's degree in Finance, Economics, Mathematics, Statistics or related field

5+ years work experience in Finance, Risk, Analytics, or similar role

Advanced degree in Finance, Economics, Business, or Mathematics

Tools

Excel

PowerPoint

SAS

SQL

Excel VBA

Job description

Description

Position Summary

The Senior Financial Analyst will be responsible for managing existing customer account programs in terms of risk performance and overall profitability. The Senior Financial Analyst will be performing deep dive analysis at the program level and ad hoc analyses as needed. The Senior Financial Analyst will identify opportunities to enhance program performance or increase program volume without negatively impacting program profitability and will also develop and manage delinquency and profitability forecasting models.

Summary of Essential Job Functions

• Analyze program-level historical P&L performance to identify revenue opportunities and risk factors such as roll rates and delinquent buckets at an early stage.
• Communicate trends and findings to team members, upper management, and various stakeholders via department meetings with PowerPoint presentations on a monthly and quarterly basis.
• Forecast future performance of existing customer programs utilizing Excel-based and/or SAS-based P&L forecast models while assessing variances between forecasted vs. actual results.
• Optimize strategies to grow the company’s bottom line including testing of various fees, credit line increase and convenience check amounts.
• Develop ad-hoc historical reports to assist with financial analysis as needed.

Position Requirements

• Bachelor's degree in Finance, Economics, Mathematics, Statistics or related field. (advanced degree preferred)
• 5+ years work experience in Finance, Risk, Analytics, or similar role in a professional corporate environment
• 5+ years advanced use of: Microsoft Excel, Microsoft PowerPoint, SAS or SQL
• Excellent analytical, problem-solving, and decision-making skills
• Ability to prioritize projects, work independently, deal with ambiguity, handle tight deadlines, and achieve effective results in a fast-paced, dynamic environment
• Experience analyzing large data sets, developing recommendations, and simplifying for presentation
• Excellent verbal and written communication skills
• Ability to work well with various departments and teammates
• Constant desire to learn and grow

Preferred

• Advanced degree in Finance, Economics, Business, or Mathematics
• 5+ years advanced use of: Microsoft Excel VBA
• Consumer Credit Card industry experience

Credit One Bank, N.A. is a data-driven financial services company based in Las Vegas. Founded in 1984, Credit One Bank offers a spectrum of credit card products for people in all stages of financial life. Credit One Bank is an equal opportunity employer committed to diversity and inclusion and does not discriminate against any employee or applicant for employment because of age, race, religion, color, disability, sex, sexual orientation, or national origin. Reasonable accommodations can be made for those who require them, including access to job applications and workplace accommodations. Employment at Credit One Bank is based on mutual consent (also known as at-will). This means that employees and the Bank may terminate the employment relationship at any time, with or without cause and with or without notice.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.