Risk & Analytics Analyst/Sr. Analyst

WebBank

WebBank (the “Bank”) is headquartered in Salt Lake City, Utah and is an FDIC insured, Utah state-chartered bank. WebBank is a leading national provider of online consumer and small business loans made in partnership with finance companies, OEMs, retailers, and financial technology companies.

The team at WebBank supports the lending platforms across the nation’s tech hubs driving innovation and financial inclusion. At WebBank, we are looking for a team member who wants to share their experience and insight in a company with a strong risk management culture. Working with a portfolio of more than fifteen lending platforms including VC-backed startups to Fortune 50 digital pioneers, every day is different. In this position, you will be a key team member to our business, by leveraging your experience to develop positive working relationships with leading FinTech companies to execute the Bank’s strategic initiatives.

Job Summary

This position will report to the VP, Risk Management & Analytics and will support all credit/model risk, analytics and reporting initiatives undertaken.

Primary Responsibilities

• Conduct credit risk analytics across the Bank’s portfolios and provide regular updates to ensure portfolio risk levels are aligned with the forecasts and within the pre-determined thresholds
• Evaluate financial trends, policies, and underwriting processes to inform the Bank’s perspective on loan loss reserves, Risk Adjusted Return and Return on Equity
• Support the Bank’s CECL implementation efforts and conduct analytics to develop and maintain the overall CECL framework
• Support the annual budgeting process by creating financial risk and cash flow projections to drive the Bank’s future income estimates
• Automate monthly reporting of the Bank’s portfolio with KPIs such as delinquencies, charge-offs, origination volumes, and paydowns
• Continually enhance reporting and business intelligence dashboards using tools such as Tableau to provide senior management visibility into current trends and help drive strategic decisions
• Assess model methodologies (including technical issues as they relate to econometric / statistical methods), documentation, validation reports, performance outputs, and processes, and work with various industry leading Fintech lending and retail Bank partners to ensure appropriate model oversight, review and approval

Requirements

• Bachelor’s degree (with prior work experience preferred) or Master’s degree in any of the following fields - Statistics, Economics, Mathematics, Industrial Engineering, Operations Research, Financial Engineering, Physics, Engineering, Data Sciences or Computer Science
• Working knowledge of Tableau/SQL/SAS required
• At least 1-3 years of experience in data analytics / reporting & business intelligence / modelling required
• Understanding of portfolio dynamics including roll rate analysis and loss rate forecasting
• Familiarity with machine learning techniques such as GBM, Random Forest, etc.is preferred
• Data driven mindset, proactive engagement, and the ability to work under pressure
• Excellent ability to analyze data and interpret credit performance metrics
• Outstanding initiative, communication skills (verbal and written), attention to detail and organizational skills required