Consumer Credit Strategy Analyst III Belfast, Maine;Newark, Delaware; Plano, Texas; Charlotte, North Carolina; Newark, Delaware **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (https://ghr.wd1.myworkdayjobs.com/Lateral-US/job/Belfast/Consumer-Credit-Strategy-Analyst-III\_25021591-2) **Job Description:** **Job Description** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** This job is responsible for performing more complex analysis and modeling to minimize loss exposure and negative impacts to the customer experience. Key responsibilities include utilizing a variety of systems such as Excel, SAS, SQL, Tableau, and other relational data bases to provide analytical support on strategies, ensure goals are met, and propose policy and procedural changes within segmentation structures to produce optimal results. Job expectations include evaluating data to assess potential fraud risk and create mitigation strategies. This position is an individual contributor role responsible for support of strategies and data within Credit and Underwriting. The individual will serve as the Consumer Vehicle Lending Strategies Pillar Leader, responsible for managing day to day control monitoring, partnering with Strategies to develop new monitoring routines to validate underwriting strategies and lender decisions are working as expected. The centralized oversight by this individual will evaluate existing monitoring routines for potential enhancements, ensure proper escalation and resolution when unexpected outcomes are observed. **Responsibilities:** + Recommends ways to help the business achieve desired outcomes and make informed business decisions using data analysis outputs + Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance + Leads coordination of the production of product performance reports and updates for senior management + Evaluating route cause/gaps + Diving into complex data structures across multiple LOB to quickly acquire an in depth knowledge and demonstrate impact in a timely manner. + Developing comprehensive strategy simulation monitoring of automated strategies to evaluate health of data and strategies + Package findings for socialization with Strategies, Business Enablement, Legal, Risk, Compliance and senior leaders which articulates associated risks and recommendations + Remain flexible and juggle multiple complex work streams at a time + Foster a strong network for collaboration + Completing account/application reviews when needed to evaluate monitoring outputs to determine if observations are confirmed findings vs. false positives + Ability to enhance monitoring scripts to weed out false positives + Strong analytical skills are required with extensive experience manipulating large data sets using SQL and SAS. + The candidate should possess the ability to independently drive improvements and proactively consult with partners to identify business needs and solutions. + Responsible for supporting projects and initiatives within US Consumer Card Credit Authorizations Strategies + Leverage data to develop Authorization strategies which balance the risk/reward equation + Complete ad hoc analysis and monitoring for existing strategies + Assist with the implementation of Authorization strategic changes and enhancements **Required Qualifications:** + 2+ years programming and analytics experience with SAS/SQL, Excel, Access, Word, and PowerPoint + 2+ year’s experience using database software and analytical/reporting tools, such as SAS, SQL, DB2 to access large relational databases + Demonstrates a strong understanding of credit risk strategies, financial drivers, and credit operations with proven problem-solving skills + Knowledge of the core credit platforms utilized in consumer and small business banking + Understanding of statical functions (e.g. standard deviations) and tools for development, validation, implementation and documentation of credit risk and/or marketing business strategies and scoring toolkits + Must be decisive and client focused, a team player, creative, strategic, and be a thoughtful risk-taker + Intermediate to advanced knowledge of MS Office (Excel, Word, and PowerPoint) + Knowledge of credit policies and procedures for consumer or small business lending + A passion for learning and using data to derive trends, detect risks, and execute strategy projects + Excellent presentation, communication and organizational skills; ability to collaborate, manage and expand relationships across the organization and with all levels of management **Desired Qualifications:** + Bachelor’s or Master’s degree preferred in mathematics, statistics, computer science, engineering, economics, finance, or a related quantitative discipline or equivalent experience + Strong understanding of credit strategies, how they are executed, and how decisioning data is passed downstream for analysis. + Expertise regarding the relationships and processes between credit strategies and strategy execution teams is highly desired + Previous work experience in strategies and/or strategy execution, support of consumer or small business lending involving the use of credit bureau information + Previous experience in developing credit risk strategies or models preferred **Skills:** + Business Analytics + Business + Data Quality Management + Fraud Management + Monitoring, Surveillance, and Testing + Collaboration + Data Visualization + Oral Communications + Problem Solving + Written Communications + Analytical Thinking + Critical Thinking + Data and Trend Analysis + Innovative Thinking + Research **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. To view the "Know your Rights" poster, CLICK HERE (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) . View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE . Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank’s required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.