At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.
Job Description
We are seeking a leader with a strong understanding of loan data to achieve the goal of single source of data for Credit Risk consumption. In this role, the leader is responsible for understanding commercial and retail data sources and consolidate disparate processes into a single thread, apply data quality checks and make the data available for consumption. The Leader will analyze the data sources, identify gaps in system and data availability, and work on tactical and strategic solutions. The position will build partnership with technology, business lines, credit risk teams, and data governance teams to identify and escalate data issues.
Primary responsibilities:
- Develop and Implement Data Strategies: Create and execute data strategies to support credit risk management, ensuring alignment with the bank's overall risk management framework.
- Data Analysis and Reporting: Oversee the analysis of credit risk data and the generation of reports to provide insights and support decision-making processes.
- Regulatory Compliance: Ensure all data comply with relevant regulatory requirements and internal Enterprise Data Governance policies.
- Team Leadership: Manage and mentor a team of data analysts, fostering a collaborative and innovative work environment.
- Stakeholder Collaboration: Work closely with other departments, such as Technology, finance, modeling, regulatory reporting, Enterprise Data Governance and risk management, to ensure data initiatives are integrated and aligned with business objectives.
- Technology Integration: Oversee the selection, configuration, and implementation of analytics tools and technologies to enhance data analysis capabilities.
- Risk Assessment: Continuously monitor and assess data quality risk, providing recommendations to mitigate potential risks.
- Project Management: Manage multiple projects simultaneously, ensuring timely delivery and adherence to quality standards.
- Innovation and Improvement: Stay updated with the latest trends and technologies in data analytics and credit risk management, driving continuous improvement and innovation within the team.
Basic Qualifications
- Master's degree in data and technology management, or equivalent work experience
- 10 or more years of experience in financial institutions working on Credit data
- 5 or more years of experience leading teams
Preferred Skills/Experience
Business
- Analytical Thinking: The ability to analyze complex credit data, identify patterns, and draw meaningful insights.
- Attention to Detail: A meticulous approach to reviewing and validating credit data to ensure accuracy and compliance.
- Communication Skills: Excellent written and verbal communication skills to effectively convey credit data findings and insights to stakeholders.
- Problem-Solving: The capability to identify issues or gaps in credit data governance processes and develop innovative solutions.
- Collaboration: The willingness to work collaboratively with cross-functional teams, such as risk management, compliance, and IT, to ensure effective credit data governance.
- Adaptability: The ability to adapt to changing regulatory requirements and evolving technology platforms in the credit data domain.
- Time Management: Strong organizational skills to manage multiple tasks, meet deadlines, and prioritize work effectively.
Technical
- Data Strategy framework: Deep understanding of the data framework in relation to strategy and concepts of Data lakes.
- Data Governance: Knowledge of creating data lineage, developing metadata and developing data quality standards for the group. Understanding of data governance frameworks, policies, and best practices to ensure data quality, integrity, and compliance.
- Data Analysis: Proficiency in using analytical tools and software (SQL, SAS, Python, R) to manipulate and analyze credit data.
- Credit Risk Management: Knowledge of credit risk principles, methodologies, and regulatory requirements.
- Regulatory Compliance: Familiarity with relevant regulations and guidelines governing credit data, such as CCAR, CECL, and Basel III.
- Database Management: Proficiency in working with databases, data models, and data integration techniques.
- Industry Knowledge: Understanding of the banking and financial services industry, credit products, and credit risk management practices.
The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.
If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits:
Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):
- Healthcare (medical, dental, vision)
- Basic term and optional term life insurance
- Short-term and long-term disability
- Pregnancy disability and parental leave
- 401(k) and employer-funded retirement plan
- Paid vacation (from two to five weeks depending on salary grade and tenure)
- Up to 11 paid holiday opportunities
- Adoption assistance
- Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
EEO is the Law
U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal KNOW YOUR RIGHTS EEO poster.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
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