Consumer Lending Systems & Modeling Analyst

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

Consumer Lending Systems & Modeling Analyst

ACCOUNTABILITY STATEMENT

The Consumer Lending Systems and Modeling Analyst will help modernize the Consumer Lending systems architecture and infrastructure to include developing and maintaining business applications, data models and statistical models. They will be proficient with data modeling techniques and methodologies from creating data dictionaries, data mapping, to database design and data migration scripting through data visualization. They will also be a key driver in turning the Consumer Lending vision to reality by using Artificial Intelligence to automate lending decisions and improve workflows and member experience. They should be proficient with Statistical modeling methods and Machine Learning techniques from model development to model validation and testing through monitoring and maintenance.

This individual will be a critical player on all projects related to Consumer Lending systems and need to be familiar with various operating systems, hardware configurations, programming languages, and software platforms. Communication will be key as this individual should be able to fully articulate and transform business requirements into technical design specification and act as a liaison between various business unit, IT and 3rd party technology partners and vendors.

ESSENTIAL JOB FUNCTIONS

• Responsible for working closely with Data Governance, Enterprise Architecture & Data Privacy partners to establish capabilities supporting various initiatives.
• Setting, installing, testing, and maintaining application software and system management.
• Evaluate the existing systems or processes and provide the technical direction to IT support staff.
• Design and build the automation for reports and dashboards using both internal and external data sources
• Help design and build the approach for proper back-up/restore operations.
• Lead Consumer Lending through the impending migration to Microsoft Azure.
• Assist with competitive 3rd party technological or data product evaluations.
• Work with 3rd party vendors to assist with integration management within our Lending Origination System, to ensure that, from a build perspective, we are working efficiently and within parameters.
• Collaborate with others to resolve technical issues and outages.
• Provides support for technical issues on Data Governance tools and ensuring system availability.
• Leverage data analysis techniques to identify trends, predictive indicators, and potential risks to assist lending leadership with decision making.
• Develop and automate reports and processes.
• Act as a key stakeholder and subject matter expert in data-related projects.
• Work closely with the DBA team and other business partners to build and deploy views, stored procedures, and ETL pipelines for the Consumer Lending and other peer departments.
• Partner with IT Business Intelligence as a data steward to build, maintain and improve application databases and warehouses for the Consumer Lending department.
• Develop and analyze reporting around quarterly bureau pulls on membership base, including evaluating custom features, to identify and recommend opportunities for penetration within certain markets and product-lines.
• Develop and enhance REST APIs to provide business lines with a means to efficiently and securely access their data on the network.
• Leverage front-end charting libraries to build custom web-based BI dashboards.
• Work with internal business partners to build dedicated application servers to host Consumer Lending data services.
• Data Wrangling (fetching, cleaning, enriching, transforming and integrating) to include scraping from external sources to automate and develop new reporting pipelines for Senior Lending Management to monitor performance within market segmentations.
• Collaborate with multi-disciplinary and cross-functional teams to translate business objectives into artificial intelligence approaches and objectives.
• Work with clients and team leads to discover data sources and create data requests; collaborate with data engineers to develop and utilize the ETL process to ingest and enrich structured and unstructured data.
• Implementing data strategies and developing new data models around forecasting and risk management.
• Work with IT to implement CI/CD pipelines for more efficient software delivery.
• Updating and optimizing existing AI models, both internally and through partnership with 3rd party vendor(s).
• Evaluating implemented data systems for variances, discrepancies, and efficiency, to include both existing 3rd party AI models and future implemented models
• All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).

VYSTAR EXCELLENCE

Incumbent is expected to demonstrate each of the following VyStar Excellence Behaviors in performing the duties and responsibilities of their job.

Focus - Focus your full attention by carefully listening to and observing your client or member,

Connect - Consistently be friendly and approachable. Demonstrate you care.

Understand - Listen empathetically and ask questions. (70%/30%)

Counsel - Recommend solutions based on your clients or member's needs and objectives.

Advance - Ensure that member's expectations were exceeded.

Verify necessary follow-up action.

JOB QUALIFICATIONS

EDUCATION & EXPERIENCE

• Bachelor's degree is required, preferably in IT, MIS, or related field.
• 4+ years of experience in the data warehouse, OLAP (Online Analytical Processing)
• 4+ years of programming experience preferably OOP languages (Python, Julia, Java, C#, Visual Basic)
• 4+ Experience architecting and building ETL pipelines; Hands-on experience with SQL
• Strong experience and knowledge of SQL Server and it's ecosystem (SSIS, SSRS, SSMS and SSAS)
• Strong experience with Business Intelligence tools (Power BI, Tableau) and other visualization and reporting tools (Plotly, etc.)
• Strong experience utilizing JSON, XML, YAML, TOML, CSV and other data-interchange and configuration file formats.
• Strong experience with web scraping
• Strong experience designing, developing and deploying web-based applications.
• Strong experience utilizing Microsoft IIS, Windows Server 2016, & Microsoft Azure
• Strong experience utilizing Python servers and frameworks such as flask, quart, fastAPI, starlette, requests, pydantic, sqlalchemy, pyodbc, aioodbc, pandas, matplotlib and numpy.
• Extensive experience utilizing, writing, and working with asynchronous code and async frameworks.
• Front-end development experience (js, react, vue, etc)
• Experience with containerization like Docker and Kubernetes

KNOWLEDGE, SKILLS & ABILITIES

• Familiarity with statistical modeling methods and techniques, ML models (Regression model, classification model, etc.), and statistical programming languages like R
• Knowledge of TCP/IP networking and it's principles.
• Ability to convey highly technical concepts to non-technical stakeholders

CERTIFICATIONS

Lean Six Sigma Green Belt certification is preferred.

DISCLAIMERS & WORK ENVIRONMENT

Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions of the position. The functions are not all encompassing and are subject to change at any time by management.

The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects

VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.

No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.

Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.

Thank you again for your interest in this position!

VyStar Credit Union Human Resources