Business Data Analyst II – Credit

Job Details Fully Remote Full Time Bachelor Degree CreditDescription

Habemco is a shared services company wholly owned and operated by the Habematolel Pomo of Upper Lake, a federally recognized Native American tribe located in Northern California. Habemco’s support services such as product development and technology which are needed for business growth, ultimately power the Tribe’s economy, and enable the delivery of education, health care and elder support programs for the Tribal community. Our talented team provides cross-functional support services to various tribal business and government entities. The Habemco team plays a critical role in ensuring a successful future for our customers, our employees, and the Tribe.

Headquartered in a beautiful, yet remote part of California, the Tribe recognizes that to compete in highly competitive industries such as FinTech, the Tribe must access expertise throughout the nation. In addition to employees that work remotely, the Tribe has employees located at its headquarters in Upper Lake, California and at a campus in Lenexa, Kansas.

Employees receive competitive pay and benefits, quarterly performance bonuses and 401(k) with a 4% match. Our team is creative, forward-thinking, passionate and moves fast! Are you ready to grow with us?

Purpose of the Position

Supports and contributes to external business analytics projects and processes to provide data-driven insights used to advise the client and develop strategies for operational improvements and future business initiatives. Uses statistical methods, modeling, analytical methodologies, and data analysis to develop and deploy tools including dashboards, infographics, reports, and models to inform and support decision-making. Mines, processes, and analyzes internal and external data using KPIs, business results, industry sources, competitor intelligence, and customer information. Develops a good understanding of the business’s model, objectives, issues, and challenges by interacting and collaborating with users and stakeholders. Incumbent in this role is occasionally directed in several aspects of the work and is gaining exposure to some of the complex tasks within the job function.

Key Responsibilities

Data Analysts in the lending industry play a vital role in bridging the gap between data and business decisions. In this role, the incumbent will collaborate with the Data & Business Intelligence teams to ensure data analysis projects, reports or dashboards deliver the specific data required for decision-making.

• Familiar with Campaign Performance Analysis: Analyze the effectiveness of marketing campaigns from lead generation, customer acquisition, loan approval, and payment processing.
• Loan Performance Analysis: Analyze loan performance metrics (delinquency rates, loss rates, loan-to-value ratios) to assess portfolio health and identify potential risks.
• Profitability Analysis: Analyze loan profitability by product type, borrower segment, and other relevant factors to inform pricing strategies and resource allocation.
• Forecasting & Budgeting: Use historical data and market trends to forecast future loan demand, revenue, and expenses to support budgeting and resource planning.

Credit Risk:

• Credit Scoring Model Development & Monitoring: Work with data scientists to develop and maintain credit scoring models that accurately assess borrower creditworthiness. Monitor model performance and adjust as needed.
• Regulatory Compliance Analysis: Analyze loan data to ensure compliance with lending regulations (e.g., Fair Isaac and Dodd-Frank Act).
• Risk Identification & Mitigation: Identify potential risk factors in loan applications and develop strategies to mitigate those risks (e.g., stricter credit score requirements, loan size limitations).

Fraud Detection:

• Analyze overall fraud metrics and identify and report on emerging trends.
• Identify suspicious activity by monitoring daily reporting and flagging any deviation from normal patterns of system behavior.
• Determine the proper resolution of all defined alerts reported via fraud monitoring application.
• Compile and manipulate data from multiple sources to derive end-to-end performance metrics for fraud.
• Design and implement new internal and external Fraud reports and/or alert criteria.
• Take ownership of work and proactively engage in identifying opportunities for improvement.
• Provide analytical support to ad hoc requests for reporting and data analysis.
• Perform investigations regarding actual and suspected fraud and provide appropriate resolution and/or guidance to Call Center, Compliance, or IT departments.

Overall:

• Data Visualization & Communication: Create presentations to communicate data insights effectively to business stakeholders with varying technical backgrounds.
• Stay Up-to-Date: Continuously learn about new data analysis tools, techniques, and industry regulations.
• By collaborating with these business units and leveraging data analysis expertise, the Business Data Analyst plays a key role in optimizing marketing campaigns, managing credit risk, ensuring compliance, improving product offerings, and enhancing customer experience within the lending industry.

Education and Experience

Required:

• Bachelor of Arts/Science from an accredited university with major in Computer Science, Information Systems, Statistics, Math, Economics, Finance, or a similar quantitative field. PLUS two (2) or more years of work experience conducting analysis & reporting, credit risk analysis, or fraud analyst duties in the financial services/lending industry.
• Candidate possesses Intermediate level of skill with Excel, PowerPoint, and Word for preparation of reports and presentation materials.
• Familiarity with BI tools (Tableau or PowerBI).
• Proficiency in analyzing large datasets using a database query language (e.g., SQL), R, Python, or other similar programming language.
• Applicants for this position must have work authorization that does not now or in the future require sponsorship of a visa for employment authorization in the United States and with Habemco (i.e., H1-B visa, F-1 visa (STEM/OPT), TN visa or any other non-immigrant status.)
• All offers are contingent upon signing a confidentiality agreement and satisfactory completion of drug screening and background checks. Employer observes federal standards for controlled substances.

Preferred:

• Intermediate level experience with SQL and other data manipulation languages.
• Knowledge of data modeling and visualization best practices.

Skills & Abilities

• Understanding of business processes and operations.
• Demonstrated ability to deliver results both independently and in collaboration with others.
• Ability to work in a fast-paced, time-sensitive, regulated, and confidential environment.
• Excellent communication skills, utilizing the ability to communicate effectively both orally and in writing with professionalism, excellent grammar, respect, and courteousness.
• Strong sense of curiosity, interpreting information, identifying new opportunities, and exploring solutions.  
• Strong analytical, critical thinking, and problem-solving skills.
• Excellent written and oral communication skills.
• Aptitude for a high level of accuracy and attention to detail.
• Effectively prioritizes and executes tasks in a highly productive yet autonomous environment. 
• Ability to present technical ideas in concise, user-friendly, or layman’s language. 
• Strong interpersonal skills used in developing effective working relationships and listening skills. 
• Ability to work in a fast-paced, time-sensitive, and confidential environment. 
• Excellent communication skills, utilizing the ability to communicate effectively both orally and in writing with professionalism, excellent grammar, respect, and courteousness. 
• Ability to function as a contributing team member and interact positively and openly with peers and other departments in a fast-paced, multi-tasking environment.
• Possess a balance of assertiveness and diplomacy along with adaptability to communicate on all levels.
• Applicants for this position must have work authorization that does not now or in the future require sponsorship of a visa for employment authorization in the United States and with Habemco (e.g., H1-B visa, F-1 visa (STEM/OPT), TN visa.)
• All offers are contingent upon signing a confidentiality agreement and satisfactory completion of drug screening and background checks. Employer observes federal standards for controlled substances.

Physical Requirements

• Prolonged periods in a stationary seated position, such as working on a computer. 
• Frequently move, transport, and manipulate computer equipment up to ten pounds.
• Verbal communication sufficient to exchange accurate ideas and information.