Data Scientist – Consumer Banking Pricing & Profitability

City National Bank • Charlotte, NC

8d • Onsite

About The Position

Lead data strategy and analytics for Consumer Banking Pricing and Profitability by driving enterprise-wide profitability metrics and serving as the Finance data steward for the Enterprise Data Warehouse. In this role, you will develop advanced analytics to optimize capital performance and relationship profitability across consumer businesses. You will identify opportunities to increase margins, incorporate ancillary revenues, and better account for risk and expenses while establishing data governance standards and appropriate return targets.The ideal candidate will possess advanced expertise in data modeling and analytics, combined with strong knowledge of consumer banking and risk-adjusted profitability frameworks. You should be able to translate complex financial concepts into actionable insights that drive business impact.

Requirements

• Bachelor's Degree or equivalent in Finance, Economics, Data Science, or a related field
• 5+ years of experience in data architecture, analytics, or a related field, with expertise in consumer banking or financial services.
• 3+ years of experience with profitability metrics (RAR, RAROC).
• Strong knowledge on Consumer Banking loan data

Nice To Haves

• Advanced degree preferred
• Strong technical skills in data modeling, ETL processes, and tools like SQL, Python, or Alteryx.
• Proficiency in visualization tools (e.g., Tableau, Power BI) and advanced analytics platforms.
• Excellent communication and stakeholder management skills, with the ability to translate technical insights into actionable business strategies.
• SQL, Python, or Alteryx

Responsibilities

• Develop pricing, profitability, and forecasting models to support Consumer Banking decisions.
• Act as the data steward for Finance, governing data quality, integrity, and accessibility for profitability metrics.
• Analyze portfolio, customer, and product profitability to identify growth opportunities
• Develop reporting analytics to evaluate Line of Business segment Return on Capital performance, highlighting areas of strength and opportunity for improvement down to the relationship manager level.
• Partner with Finance, Treasury, Risk, Technology and business teams to improve data quality and reporting.
• Support pricing strategy through market, customer, and financial analysis.
• Present recommendations and insights to senior leadership and key stakeholders

Benefits

• Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
• Generous 401(k) company matching contribution
• Career Development through Tuition Reimbursement and other internal upskilling and training resources
• Valued Time Away benefits including vacation, sick and volunteer time
• Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
• Career Mobility support from a dedicated recruitment team
• Colleague Resource Groups to support networking and community engagement

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level