Consumer Credit Risk Data & Analytics Analyst

Thank you for your interest in a career  Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career — a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.

At Regions, the Data and Analytics Analyst transforms data into a meaningful format for operational and/or decision-making purposes. Focusing on day-to-day deliverables, this role works with senior analysts and managers to gather and interpret data for leaders to make data-driven decisions.

• Modifies reports that are valuable, readable, and presentable to stakeholders
• Assists in the preparation of visual reports/presentations to present analysis to management
• Interprets, analyzes, and provides insights to teams and managers to determine operational impact, trends, and opportunities
• Performs data analysis to help achieve data automation
• Creates and maintains databases to help classify & store information
• Completes day-to-day deliverables and ad-hoc data reports to support business needs/projects and answer data related questions
• Ensures compliance by performing quality data audits, mining, and management
• Monitors data and analytics trends and seeks opportunities for continuous improvement
• May offer guidance to junior analysts, ensuring proper training and tools are provided
• Partners with the centralized Data Governance team to implement and support data governance and data quality requirements

This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.

• Master's degree in Business, Computer Science, Information Systems, Finance, Statistics, or related field and two (2) years of experience in a data analytics or related role
• Or, a Bachelor’s degree in Business, Computer Science, Information Systems, Finance, Statistics, or related field and four (4) years of experience in a data analytics or related role

• Experience utilizing analytical software such as Structured Query Language (SQL), Statistical Analysis System (SAS), SAS Enterprise Miner, and applicable Microsoft Office applications
• Working knowledge of business intelligence software (e.g. Tableau, Power BI)

• Demonstrated leadership capabilities
• Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
• Strong verbal, written communication, and organizational skills
• Strong work ethic and self-motivation

The Business Unit Credit Risk Group supports the Consumer Bank’s strategy by developing strategies and recommendations that enhance profitability, while managing overall portfolio Credit Risk. This involves ensuring compliance with Regions’ Credit Risk frameworks and providing business unit input into those processes.

• Preparing the Consumer Bank’s Credit Risk Assessments
• Providing business input into the determination of Risk Appetite and Concentration Frameworks, and Credit Policy
• Monitoring and identifying both internal and external factors that track emerging risks
• Acting as a liaison for Credit Reviews and Audits related to Credit Risk
• Coordinating changes in Credit Policy to implement Credit strategies
• Assisting with pricing and profitability by providing insights and challenge to expected loss, economic capital, probability of default, and loss given default assumptions

• Retail Consumer Banking operations experience.
• Consumer Credit Card, Small Business and Direct Lending experience.

Regions will not sponsor applicants for work visas for this position. Applicants for this position must be currently authorized to work in the United States on a full-time basis.

Full time

Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly,…