VP Business Strategy and Analytics - CFG

Bank OZK•Little Rock, AR

About The Position

The VP Business Strategy and Analytics is responsible for developing and executing end-to-end analytics and reporting for consumer lending, including home equity lines of credit, other retail products, and potential future unsecured personal loan and credit card products. The role supports a data-driven culture and applies advanced analytics and data infrastructure to drive innovation in credit decisioning, pricing, and customer lifecycle management. The position develops analytics strategy aligned with business goals and risk tolerance; oversees credit risk models and scorecards; and builds reporting frameworks to monitor portfolio health, credit quality, delinquencies, losses, and profitability. It uses analysis and statistical techniques to identify risks and opportunities, shape origination, account management, and collections strategies, and inform customer lifecycle initiatives. The role also partners with Marketing, Finance, Risk, Technology, and Data Engineering, promotes data governance, and communicates analytical insights to senior leaders and non-technical stakeholders.

Requirements

Bachelor’s degree in business, economics, accounting, finance, data analytics, or a relevant field.
At least 4 years of experience in data science or data analytics.
Strong proficiency in one or more of SQL, SAS, R, Python, Excel, and data visualization tools such as Power BI and Tableau.
Knowledge of consumer lending and related regulations.
Ability to work with large datasets and derive business insights.
Effective verbal and written communication with technical and non-technical audiences.
Effective interpersonal skills to build collaborative working relationships and work in a team environment.
Ability to manage multiple tasks with exacting deadlines and remain flexible in a changing environment.
Strong organization, critical thinking, analytical, and problem-solving skills.
Ability to work independently while contributing to a collaborative team.
Accuracy, thoroughness, and attention to detail.
Ability to travel for work as needed.
Ability to work effectively with all levels of staff and management.
Ability to promote a culture of innovation, accountability, and continuous improvement.
Ability to operate customary equipment and technology used in a business environment, with or without accommodation.

Nice To Haves

Experience in consumer lending.

Responsibilities

Develop and execute the consumer lending portfolio analytics strategy, aligning it with business goals and risk tolerance.
Design, develop, validate, and monitor credit risk models and scorecards, including underwriting, behavioral, pricing, and loss forecasting models.
Develop and maintain dashboards, scorecards, and reporting frameworks for portfolio health, credit quality, delinquency trends, loss performance, and profitability.
Conduct in-depth analysis to identify emerging risks and growth opportunities.
Design and evaluate origination, account management, and collections strategies using statistical modeling, segmentation, and champion/challenger testing.
Deliver customer lifecycle analytics covering acquisition, activation, utilization, retention, and attrition to inform targeted strategies across the lending funnel.
Partner with Marketing to assess market opportunities, evaluate product economics, and measure campaign effectiveness.
Use customer data to identify cross-sell and up-sell opportunities within the consumer lending portfolio.
Provide analytical support for loss forecasting, stress testing, and allowance for credit losses processes in collaboration with Finance and Risk.
Collaborate with Technology and Data Engineering teams to ensure lending data assets are available, accurate, and accessible.
Define and enforce data governance standards and best practices within the analytics function.
Contribute to adoption of advanced analytics techniques to improve decision-making and operational efficiency.
Communicate complex analytical insights and recommendations clearly to senior leadership and non-technical stakeholders.