The Role
Analyze credit portfolio and loan performance, forecast losses, identify risks and opportunities, and develop strategies to improve credit outcomes and origination volume. Use SQL, Python, dashboards, and visualizations to deliver actionable insights. Present recommendations to stakeholders and senior leaders while managing analytical projects, A/B tests, roadmaps, and business priorities independently.
Summary Generated by Built In
Are you ready to join a growing team that puts a premium on productivity and has an award-winning culture centered around transforming talented employees into effective business leaders? Then BHG Financial is the place for you.
In 2001, we started with an idea, an opportunity, and $25,000. Back then, our focus was strictly
on serving those in the medical industry. With healthcare in our heritage, we soon expanded
to serve high-earning professionals in many
other industries, providing all with leading-edge financial solutions, including our extensive network of community banks.
Today, BHG Financial has firmly established
its legacy as a leader in the financial services space. Founded on the philosophy of a better way to borrow, we are dedicated to helping accomplished professionals, small businesses, and institutions build upon their success through innovative financial solutions, a hassle-free process, and personalized concierge service.
Our relentless commitment to the success of our customers is part of what has made BHG Financial thrive. We take a 360-degree view of our customers to tailor the best solutions for their financial aspirations. Today's professionals have multiple sources of income, not just their paycheck. Therefore, it is essential to factor those in when making responsible lending decisions. Our continued focus on data, analytics, and proprietary modeling has enabled faster funding for our customers.
From business to personal loans to relationships with community banks, the country’s top professionals and business owners rely on us for our exceptional financial solutions and concierge service to continue their success and legacy.
Who You Are
You’re an experienced analytics professional with a strong quantitative mindset and a passion for using data to drive better business decisions. You’re skilled in SQL and/or Python, comfortable creating meaningful reports and visualizations, and able to translate complex analysis into clear recommendations for a variety of stakeholders.
What You'll Do
- Monitor and analyze the performance of loans funded by BHG and partner banks, identifying trends, risks, and opportunities across the credit portfolio.
- Develop forecasts for future credit losses and translate portfolio performance into actionable insights.
- Build and evaluate strategies designed to improve credit risk characteristics and support increased loan origination volume.
- Partner cross-functionally with teams across the organization to provide portfolio insights that inform business strategies and decision-making.
- Perform complex data analysis using SQL and/or Python to uncover trends, evaluate performance, and support strategic recommendations.
- Create dashboards, reports, and visualizations using Power BI and/or Tableau to clearly communicate portfolio performance and key findings.
- Leverage advanced Excel skills to analyze data and develop clear, executive-ready PowerPoint presentations.
- Translate complex quantitative findings into clear, business-focused insights that can be easily understood by both technical and non-technical audiences.
- Present analyses, recommendations, and portfolio insights to internal stakeholders and senior leaders.
- Take on additional analytical projects and business priorities as needed to support the Credit Portfolio Analytics team.
- Serve as a senior individual contributor, with opportunities for continued growth and potential advancement into people leadership roles.
What You'll Need
- Bachelor’s degree in Computer Science, Math, Physics, Engineering or related quantitative fields
- Strong analytical, problem-solving, and critical thinking skills
- 3+ years of relevant work experience in analytical projects and reporting, preferably in the Financial Services industry
- Understanding of retail and small business loan products, preferably unsecured loans and credit cards
- Understanding of profitability drivers for loan and credit card products, including interest rate structure, cost of funds, operating expenses, fees, and loss
- Familiarity with credit strategies, risk, and pricing is preferred. Deep understanding of risk and profitability management for the entire customer life-cycle
- Proficient with SQL, R, Python, Power BI, Excel, and PowerPoint
- Strong stakeholder management experiences
- Ability to develop roadmaps and prioritize workload
- Experience with designing and implementing A/B tests
- Ability to initiate and drive projects to completion with minimal guidance
- Strong written and verbal communications
Life at BHG Financial
At BHG Financial, we work hard and aren’t afraid to take risks. Since the beginning, our core values of PMA (positive mental attitude), team player, and loyalty have been the driving force behind every interaction we have between each other and our customers. We have a healthy respect for the daily grind, yet we value work/life balance. We believe that all employees should have the opportunity to lead and that good ideas can come from anyone. From the top down, our leaders are actively involved not only in strategic oversight and running the business, but also in the well-being and growth of all employees. We consider people our #1 asset, and help employees realize their full potential, set and exceed their goals, and explore new opportunities for personal and professional development.
Why You Should Join BHG Financial
We strive to offer amenities, opportunities, events, and programming that support the interests of our teams, while furthering the culture that makes us Great Place to Work® certified. Some of the benefits you can expect when you join BHG Financial include:
•Medical/Rx/Dental/Vision coverage for employees and their eligible family members
•Competitive PTO and vacation policies
•1 Friday off each month for Wellness Weekends
•Company 401(k) plan with employer contributions after one year
•Company-sponsored training and certification opportunities
•Quarterly award ceremonies where top achievers are celebrated and receive additional bonuses
•Ongoing volunteer opportunities to give back to the community through our BHG Cares program
If you’re ready for a career where you can exercise your passions, be surrounded by co-workers who are relentlessly committed to service, and have a team-player mindset, apply today!
BHG Financial is committed to equal treatment and opportunity in all aspects of recruitment, selection, and employment without regard to gender, race, religion, national origin, ethnicity, disability, gender identity/expression, sexual orientation, veteran or military status, or any other category protected under the law. BHG Financial is an equal opportunity employer; committed to a community of inclusion, and an environment free from discrimination, harassment, and retaliation.
Skills Required
- Bachelor's degree in Computer Science, Math, Physics, Engineering, or a related quantitative field
- Strong analytical, problem-solving, and critical-thinking skills
- 3+ years of relevant experience in analytical projects and reporting
- Understanding of retail and small business loan products, preferably unsecured loans and credit cards
- Understanding of profitability drivers for loan and credit card products, including interest rates, cost of funds, operating expenses, fees, and losses
- Familiarity with credit strategies, risk, and pricing
- Deep understanding of risk and profitability management across the customer lifecycle
- Proficiency with SQL, R, Python, Power BI, Excel, and PowerPoint
- Strong stakeholder management experience
- Ability to develop roadmaps and prioritize workload
- Experience designing and implementing A/B tests
- Ability to initiate and drive projects to completion with minimal guidance
- Strong written and verbal communication skills
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The Company
What We Do
BHG Financial is transforming the financial industry; leveraging the power of data, analytics, and cutting-edge technology to become not only the number one source for professional loans, but also the creator of the largest community bank loan and product network in the country. Since 2001, BHG has originated more than $18.5 billion in loan solutions to top-quality borrowers, which community and midsize banks can access via a state-of-the-art loan delivery platform. Building on nearly two decades of innovation, BHG and its family of brands now offer a full suite of financial solutions that span business, consumer, and SBA 7(a) loans, credit cards, collection services, risk management services, and point-of-sale financing. With record growth year after year, BHG continues to be recognized regionally and nationally: earning a spot on the Inc. 5000 for 16 years running, and receiving accolades from Great Place to Work® and Fortune magazine, among others. BHG is partially owned by Pinnacle Bank (PNFP) and has headquarters in Davie, FL, Syracuse, NY and Atlanta, GA.
Why Work With Us
BHG Financial cultivates a high-energy atmosphere in an open-door, non-traditional corporate environment. As a growing company of more than 1500, it's the perfect place to share your ideas and advance your career.
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