This position is responsible for the strategic and ongoing improvement of the Bank's business plans. Conducts analysis, evaluates current practices, and offers guidance to business units to maximize results. Provides recommendations regarding best practices and methodologies. Collaborates with consulting team members and other staff to bolster efficiencies. Identifies process weaknesses and develops solutions to address them, assisting management in implementing large-scale strategic initiatives that generate business growth. Leads special projects, mentors associate team, and handles the most complex issues in support of daily workflow.

• Business Strategy - Evaluates current plans, processes, and requirements to identify factors negatively affecting the business unit. Develops expert strategies and solutions to address identified issues, coordinating business efforts to achieve success.
• Team Leadership - Leads special projects, serving as a resource to wider business unit or organization. Utilizes expertise to provide guidance, feedback, and direction on complex matters. Assists in the communication of performance results and expected behaviors. May oversee daily workflow for analyst team.
• Reporting - Produces reports based on analysis, industry trends, and process capabilities. Identifies patterns, problems, and areas of improvement, and tracks effectiveness of implemented enhancements. Creates specifications, project plans, and other documentation in support of business initiatives. May review or verify reports of team.
• Data Analysis - Sources, compiles, and interprets data. Performs complex data analysis, effectively communicating and directing analysis output.

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 8 years of experience in Business Strategy, Project Planning, and Financial Services industry OR High School Diploma or GED and 12 years of experience in Business Strategy, Project Planning, and Financial Services industry

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

The base pay for this position is generally between $133,00 and $204,000 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.