Profitability Analytics - Financial Analyst II - P2

Credit One Bank - Las Vegas, NV

Full-time - Mid Level

Las Vegas, NV

Credit Intermediation and Related Activities

About the position

The Financial Analyst II position at Credit One Bank focuses on managing customer account programs to enhance risk performance and profitability. The role involves conducting in-depth analyses, developing forecasting models, and identifying opportunities to improve program performance while maintaining profitability. The analyst will communicate findings to stakeholders and optimize strategies to increase pre-tax income.

Responsibilities

• Manage existing customer account programs in terms of risk performance and overall profitability.
• Perform deep dive analysis at the program level and ad hoc analyses as needed.
• Identify opportunities to enhance program performance or increase program volume without negatively impacting profitability.
• Develop and manage delinquency and profitability forecasting models.
• Analyze program-level historical P&L performance to identify revenue opportunities and risk factors.
• Communicate trends and findings to team members and management via presentations.
• Forecast future performance of customer programs using Excel and SAS-based models.
• Optimize strategies to grow pre-tax income, including testing various fees and credit line increases.
• Develop ad-hoc historical reports to assist with financial analysis.

Requirements

• Bachelor's degree in Finance, Economics, Mathematics, Statistics, or related field (advanced degree preferred).
• 3+ years work experience in Finance, Risk, Analytics, or similar role in a corporate environment.
• 3+ years advanced use of Microsoft Excel, Microsoft PowerPoint, SAS, or SQL.
• Excellent analytical, problem-solving, and decision-making skills.
• Ability to prioritize projects and work independently in a fast-paced environment.
• Experience analyzing large data sets and developing recommendations.

Nice-to-haves

• Advanced degree in Finance, Economics, Business, or Mathematics.
• 3+ years advanced use of Microsoft Excel VBA.
• Consumer Credit Card industry experience.

Benefits

• Equal opportunity employer committed to diversity and inclusion.
• Reasonable accommodations for applicants and employees.