About Us
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.
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.
What You’ll Do at Live Oak
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)
Data & Technology
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
Performance Management & Analytics
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
Risk Management
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
Business Support & Compliance
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
Required Experience
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
Work sponsorship is not supported, now or in the future
Preferred Experience
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
Our Values
Dedication: Possess a deep commitment to Live Oak Bank’s mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.
Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.
Respect: Treat everyone with courtesy, politeness, and kindness.
Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.
Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more
For a detailed overview of our employee benefits please visit: http://www.liveoakbank.com/careers/
Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at [email protected].
EEO is the Law
The base pay range for this position is $113,080.00 - $154,200.00 per year. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate’s salary is determined by several factors including travel, relevant work experience or skills and expertise.Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.
Live Oak Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Live Oak Bank and has not been reviewed or approved by Live Oak Bank.
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Healthcare Strength — Healthcare coverage is strong, with fully paid medical for employees and dependents plus on‑site clinic access, physical therapy, and wellness resources at headquarters. Dental, vision, life, and disability coverage are included.
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Leave & Time Off Breadth — Paid time off is generous, with roughly four weeks plus bank holidays and floating days, alongside multiple paid parental options and paid short‑ and long‑term disability.
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Retirement Support — Retirement offerings include a 401(k) match and an employee stock purchase plan, complemented by bonus and stock programs in some roles.
Live Oak Bank Insights
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What We Do
Live Oak Bank has had the privilege of helping thousands of passionate, driven people turn their dreams into reality. These everyday heroes aren’t in it for the fortune or the fame. They’re in it to make a difference, just like we are. As one of the last banks to get a charter before the start of the Great Recession, Live Oak emerged out of the rubble of 2008 as the first bank to keep the customer at the center of the business model. We put a groundbreaking spin on what banking could be, focused on service and technology to redefine banking. Live Oak is a digital, cloud-based bank serving small business owners in all 50 states. We are the #1 SBA 7(a) lender by dollar volume* in the country and our mission is to be America’s small business bank. We aim to fulfill that mission through banking products that help business owners buy, build and expand, along with FDIC-insured checking, high-yield savings and CD accounts to grow their hard-earned money. Our family of companies under the holding and parent company Live Oak Bancshares (NYSE: LOB), and our subsidiaries, partner with businesses who share a groundbreaking focus on service and technology to redefine banking. Our mantra is to treat every customer like the only customer and our mission is to be America’s small business bank.
