Dividend - Risk and Strategy Analyst II

Fifth Third Bank•Chicago, IL

13d

About The Position

At Dividend, we question convention, reward creativity, and always welcome new ideas. We are hungry to win, happy to help, and determined to succeed. Every day, we get to see the impact we've had on our customers, our partners, and on the world around us. So, take a look and see if you think you'd be a good fit for Dividend. About Dividend : Founded in 2013 in San Francisco, Dividend is a leading fintech point-of-sale lender for residential solar and home improvement financing. We created an easy straightforward process that enhances installer’s ability to close deals fast, and help borrowers finance their projects seamlessly. In May 2022, Dividend Finance became a division of Fifth Third Bank. We understand you’re investing your time, energy and experience into our company, so it’s important to us that we also invest in you. We aim to be the best part of your career journey through career development, a competitive benefits package, a flexible work schedule, a generous time away policy, and a company culture that fosters authentic work relationships, bold ideas, and empowered customers . Position not available for immigration sponsorship Our Team is Growing: Position is responsible for the pricing and risk strategies; focusing on bringing data-driven decisions to life. In addition, they will build out testing strategies, valuation structures and create ecosystems that will monitor and react to the various KPIs and risks. In addition, the analysts will work across the organization with other key team members to bring their strategies to life, working closely with senior leadership. As a Dividend and Fifth Third Bank team member, you will be responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. You will be accountable for always doing the right thing for customers and colleagues and ensuring that actions and behaviors drive a positive customer experience. While operating within the risk appetites of Provide and Fifth Third Bank, you will be expected to achieve results by consistently identifying , assessing, managing, monitoring, and reporting risks of all types.

Requirements

Bachelors or Masters in STEM or Economic background preferred with a focus on hypothesis and data driven solutions or equivalent work experience
2+ years of experience in Credit Risk, Operations Analytics, Modeling/Data Science or related field
Highly proficient in SAS/R/Python and SQL along with advanced MS EXCEL skills, pivot tables, etc., preferably include VB / macro writing.
Ability to manipulate large datasets. Strong understanding of A/B Test and Control methodologies
Ability to communicate complex ideas as simple, easy to understand concepts; ability to present effectively to both business and technical audiences at all levels of the organization
Ability to effectively manage multiple tasks with challenging deadlines and priorities
Build partnerships, collaborate, and influence at senior levels and across the business

Responsibilities

Perform analyses and build models to launch new product, risk and pricing strategies for Solar and Home Improvement lending products
Drive step-change improvements in credit performance by analyzing historical loan data, develop risk scorecards, and testing hypotheses using rigorous monitoring and analysis
Develop the ecosystem that delicately and proactively manages the risk between the installer/contractors and end consumers
Establish, document, and formalize processes and controls to drive greater operational efficiencies and excellence for critical initiatives and deliverables.
Address risk and opportunities and existing procedures
As a key member of the Risk and Strategy organization, work closely with Technology, PMO, and Operations to scope operational feasibility, lead implementation efforts and launch MVP iterating quickly as we get more learnings and market feedback
Conduct ad-hoc deep-dive analyses for senior leadership to drive strategic business decisions
Support existing Solar products through improved risk policies and valuations methodologies
Develop next generation of Home Improvement offerings through both product, pricing, and strategic levers
Work with onsite and offshore vendor partners in the execution of data projects