Senior Data & Risk Analyst

Live Oak Bank•Wilmington, NC

19h•Onsite

About The Position

Live Oak Bank is a digital bank that serves small business owners across the country. Our groundbreaking spin on service and technology has fueled our mission to be America’s Small Business Bank. Our products help customers buy, build, and expand their business, and our high-yield savings and CD products help them grow their hard-earned money. At Live Oak, we never lose sight of the well-being of our people. We believe our employees are the heart of our company. Our commitment to our customers and culture is intertwined, and we seek those who embody and embrace what it takes to empower the American dream. How This Role Impacts Live Oak and Its People The Senior Data & Risk Analyst supports an aligned department by strengthening data strategy, managing operational risk, and driving technology adoption. This role works closely with the department head and leadership team to improve financial and operational outcomes. The role helps ensure the integrity of systems, data, and processes that support portfolio health, performance management, and regulatory compliance. This role requires a strong analytics background, financial acumen, and a demonstrated ability to leverage business knowledge and data to evaluate performance, identify risk, and inform decision-making. We are hiring for two roles — one supporting Small Business Banking and the other supporting our Credit division. Candidates selected to move forward will discuss the specific assignment during the recruiter screen. Both are onsite positions at our HQ in Wilmington, NC.

Requirements

Bachelor’s degree
5+ years of experience in financial services, with a focus on analytics, finance, risk, or portfolio management
Experience performing financial analysis, building forecasts and business models, sales or marketing analysis, and/or developing customer or operational insights
Familiarity with BI tools and dashboard development (e.g., Tableau, Power BI, Databricks Dashboards) to visualize data and communicate insights
Advanced proficiency in Microsoft Excel, including XLOOKUP, pivot tables, conditional formatting, and data analysis tools
Strong ability to synthesize complex and disparate data into clear reports and insights that support executive decision‑making
Ability to communicate complex ideas in a clear, concise, and accessible manner
Demonstrated ability to partner effectively across functions and levels of the organization
Strong track record of meeting hard deadlines and managing competing priorities

Nice To Haves

Advanced degree
Strong proficiency in SQL, including writing complex queries and working with large, multi‑table datasets
Financial analytics, portfolio management, or risk management experience

Responsibilities

Develop a deep understanding of business goals and priorities and align analytics and insights to desired outcomes
Partner with enterprise data teams to build and maintain high‑quality datasets and ensure a single source of truth
Extract, analyze, and interpret data using Databricks and related tools to generate reporting and actionable insights
Build dashboards and track KPIs using BI tools and Excel
Lead data reporting, quality, and automation efforts to improve transparency and operational efficiency
Collaborate across departments to implement technology solutions that reduce risk and streamline workflows
Recommend updates to policies, procedures, and controls to mitigate operational risk
Identify and address process inefficiencies through data‑driven analysis and solutions
Uphold Live Oak’s values through ethical conduct, collaboration, and accountability
Maintain a high standard of regulatory awareness, including BSA, AML, CIP, and OFAC (as applicable to the aligned department)
Build and manage dashboards and databases using BI tools (Databricks, PowerBI, Tableau, Excel)
Use SQL and Python to support data analysis, reporting, and automation
Partner with Technology, Finance, Risk, Credit, Sales, and Operations teams to evaluate and implement third‑party software solutions
Modernize legacy workflows using low‑code platforms and automation frameworks
Communicate technical concepts and solutions clearly to both technical and non‑technical stakeholders
Own and maintain the KPI framework for the aligned department
Develop executive‑ and board‑ready dashboards, insights, and data narratives that clearly communicate performance, risk, and key decisions
Identify trends, emerging risks, and performance gaps and recommend corrective actions
Conduct ad hoc analyses to investigate business questions and explain metric movement
Lead monthly and quarterly reporting cadence, delivering clear executive‑level insights on performance, risk, and trends
Support and reinforce a culture of accountability, collaboration, and data‑driven decision‑making
Analyze portfolio or operational performance to identify emerging risks
Prepare executive‑level reporting on asset quality, compliance, and risk trends
Conduct risk assessments and support internal and external regulatory or audit requests
Recommend policy, procedure, and control enhancements to reduce risk exposure
Review systems, processes, and workflows for compliance with internal standards and applicable regulatory requirements
Propose and implement process improvements to increase productivity, improve data integrity, and reduce operational risk