Card Enterprises Business Analyst III

This is a remote role that may only be hired in CA.

This position performs complex data analysis to identify factors that affect business profitability, growth, and efficiency. Assesses a wide scope of business practices, information, and industry trends. Determines improvements or solutions to address identified issues. Prepares technical reports by examining and summarizing data, and creates specifications to support business initiatives. May oversee the work of less experienced analysts or assist in special projects as needed.

Risk Analytics & Data Insights

• Develop and implement risk frameworks and data strategies in partnership with Risk, Product and IT teams, aligning with the bank's risk policies and tolerance levels.
• Analyze large datasets to detect risk trends, loss patterns, and anomalies.
• Prepare risk reports, dashboards, and visualizations for senior management with data-driven insights and recommendations.
• Continuously assess the effectiveness of risk management systems, identifying opportunities for process and technology improvements.
• Design automated alerts to detect high-risk behaviors.

Cross-Functional Collaboration

• Collaborate with Product, Risk and IT teams to implement analytical risk frameworks into enterprise-grade risk management infrastructure.
• Partner with engineering and data science teams to optimize data pipelines and risk reporting automation.
• Support underwriting teams by building scalable reporting tools that enable efficient risk reviews and portfolio oversight.
• Provide guidance to internal stakeholders on interpreting risk data and leveraging insights for strategic decision-making.

Bachelor's Degree and 6 years of experience in Analytics, or modeling, or reporting OR High School Diploma or GED and 10 years of experience in Analytics, or modeling, or reporting

Qualifications

• Experience creating data driven risk insights within a payment, fintech, or banking environment.
• Experience with statistical analysis languages like Python or R, strong proficiency with SQL
• Strong proficiency in SQL, Tableau, Power BI, and data visualization tools for reporting and dashboard creation.
• Knowledge of credit risk monitoring and analytics.
• Experience developing complex queries and working with large data sets to drive actionable insights.
• Experience designing monitoring dashboards and risk scoring models.

Preferred Qualifications

• Banking experience-preferably with commercial credit cards
• Knowledge of Credit Underwriting or Credit Portfolio Management
• Knowledge of credit scoring bureaus and data (i.e. Experian small business credit scores)
• Strong SQL
• Strong Python or SAS skills

If hired in California, the base pay for this position is generally between $104,000 per year and $180,000 per year. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.