At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.
Summary of the Job:
About This Role:
We are unable to sponsor candidates today or in the future. H1b, OPT etc.
Major responsibilities:
Develop executive dashboards highlighting key credit card risk metrics and communicate card portfolio insights to risk committees, marketing, finance teams and strategy forums among others.
Analyze customer acquisition channels and partners to optimize risk-adjusted returns and create early warning indicators for detecting deteriorating credit quality.
Comprehensive analysis of credit card portfolio performance metrics including delinquency, charge-off, and utilization patterns.
Analyze customer-level behavior including transactor/revolver patterns and payment behaviors and evaluate risk-adjusted returns across card products, segments, and acquisition channels
Perform statistical analyses to identify data trends and relationships and develop and maintain credit risk forecasting models. Apply time series analysis, survival analysis, and other modeling techniques to develop credit loss forecasting models.
Document developed models according to the model risk policies. Communicate statistical analyses and forecast results, working with cross-functional areas, to ensure successful implementation.
Work with Finance to provide loss forecasts for marketing planning, portfolio purchases, and reserve for bad debt and portfolio stress testing, while ensuring applicability, efficiency, and accuracy of underlying statistical models and methodologies utilized.
Knowledge & Skills
Knowledge of consumer and/or small business card
Understanding statistical techniques and modeling
Knowledge of loss forecasting methods
Ability to work independently with data to identify complex business trends and propose solutions.
SQL, Python, SAS and PowerBI
The Ideal Candidate for This Role:
Education and Experience
Bachelor’s degree in quantitative fields such as Math, Physics, Statistics, engineering, Computer Science required. Advanced degree preferred
3+ years of experience in Credit management or Credit Risk Forecasting or other highly analytical business field.
Proven ability to work collaboratively within a cross-functional team environment.
Ability to present recommendations and influence senior management.
Demonstrate excellent oral and written communication skills.
Demonstrate ability to handle stress, meet deadlines and work independently.
Compensation:
Compensation range (base pay): $81,662.00-$134,741.00
This role may have a specific starting pay within this range.
Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.
Work Environment:
It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.Benefits Overview:
We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:
Medical, Dental, Vision Insurance
401k, With Matching Contributions
Time Off Programs
Health Savings Account (HSA)/Dependent Care
Employee Banking
Growth Opportunities
Tuition Assistance
Short-Term/Long-Term Disability Insurance
Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.
For additional information regarding compensation and benefits, e-mail FNBO at [email protected]. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.
Job number: R-20261300Equal Opportunity & Belonging:
FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.
Learn more here.
FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.
Click here to download 'EEO is The Law' Self-Print Poster
Click here to download 'EEO is The Law' Supplement for Federal Contractors
Click here to download 'EEO is The Law' GINA Supplement
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC
FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)
Application Deadline:
All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.
Skills Required
- Bachelor's degree in Math, Physics, Statistics, Engineering, Computer Science or related quantitative field
- Advanced degree (Master's or PhD) in a quantitative field
- 3+ years of experience in credit management, credit risk forecasting, or other highly analytical business field
- Experience with SQL
- Experience with Python
- Experience with SAS
- Experience with Power BI
- Knowledge of consumer and/or small business credit card products and loss forecasting methods
- Understanding of statistical techniques and modeling (time series, survival analysis, forecasting)
- Ability to work independently with data to identify trends and propose solutions
- Ability to present recommendations and influence senior management; strong oral and written communication skills
- Ability to handle stress, meet deadlines, and work independently
- Unrestricted work authorization (no visa sponsorship)
Fnbo Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Fnbo and has not been reviewed or approved by Fnbo.
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Retirement Support — Retirement plans include a matching 401(k) with an additional company contribution and other savings programs such as pension, stock bonus, and profit sharing. These features are portrayed as a strong component of total rewards.
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Parental & Family Support — Family supports include paid caregiving time for birth or adoption and for serious family health needs, caregiver leave, new‑parent assistance, and childcare resources. These offerings are highlighted as helpful for employees balancing work and family.
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Leave & Time Off Breadth — Time away is described as generous, combining paid time off with a broad set of observed holidays. Volunteer time off further adds flexibility for personal and community needs.
Fnbo Insights
What We Do
For more than 165 years, FNBO, a subsidiary of First National of Nebraska, has set the standard for outstanding customer service coupled with some of the most innovative financial products in the industry. When it opened in 1857, FNBO was a local bank that served only Omaha and the surrounding communities. Today, FNBO has locations in eight states and more than 6.6 million customers across the country. First National of Nebraska and its affiliates have nearly $30 billion in managed assets and 5,000 employee associates. We've come a long way in the last century and a half. As you browse through our site, we think you'll understand why we've been so successful – and why we're so excited about what the future holds for our customers and our organization. Check us out at www.fnbo.com.
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