Senior Pricing & Portfolio Modeling Analyst, Deposit Products

Description

The Senior Pricing and Portfolio Modeling Analyst is responsible for developing, maintaining, and validating statistical models, forecasts, and analysis to optimize deposit product pricing and enhance portfolio retention and growth. This role supports Deposit Production and key stakeholders, including leadership, by delivering accurate and timely analysis, reports, and expert recommendations.

Primary Responsibilities:

• Develop, validate, and maintain complex models to optimize the pricing of all deposit products. Continuously improve and refine models by incorporate new data sources, market trends, and product/program changes, while is playing the tradeoffs between growth and pricing.
• Perform sensitivity analyses, scenario modeling, and risk assessments to evaluate the impact of various factors on portfolio performance and identify optimal strategies. These resources will empower pricing recommendations and support efficient Credit Union growth.
• Develop and execute pattern-based modeling designed to monitor and predict normal behavior while highlighting shifting trends acquisition, retention, and attrition across all product portfolios, member cohorts, and enhance account acquisition and retention. Create and refine portfolio balance, new leads, and cross-selling modeling tools to support the Credit Union’s planning and forecasting processes.
• Oversee the analysis and reporting of Deposit Product marketing campaign and promotion performance, ensuring growth and adherence to product utilization objectives while optimizing for spend.
• Partner with teams across the Credit Union (Finance, Accounting, etc.) to understand business requirements, translate requirements into existing models, deliver regular pricing reports, share model findings, and develop data visualization tools to guide leaders and business partners in making informed decisions.
• Develop Data Governance standards/guidelines for reports documenting analyses and models. Ensure data quality and readiness by handling tasks like data clean-up, integration, transformation, and validation.
  
  

Experience and Education Requirement:

• Minimum Education: Bachelor’s degree in business, finance, marketing, statistics or related discipline or equivalent work and/or educational experience.
• Minimum of 7 years of relevant experience in product management, finance, data analysis and modeling, pricing, or related roles at a financial institution.
• Experience with consumer and business deposit products.
• Mastery in Microsoft Excel and PowerPoint.
• Mastery in (R, SQL, Python).
• Demonstrated experience with HTML.
• Experience with GitHub.
• Mastery in ETL processes.
• Proficient in data visualization, preferably Tableau.
• Ability to work well under pressure, handle multiple assignments and deliverables simultaneously with the flexibility to meet changing needs and demands.
• Ability to deliver effective stakeholder presentations to both peer and executive level audiences.
• Able to articulate complex concepts while tailoring the message to different audiences including senior leadership, technical teams, and member support teams.
• Ability to operate as a self-starter who is highly organized and works well independently or within a team environment.
• Certification/License: Predictive Modeling (CPMS) or similar is preferred.
  
  

Benefits options include:

• Traditional medical, dental, and vision coverage
• 401K matching up to 5% per pay period
• Accrue up to 17 days of Paid Time Off your first year of employment
• 11 paid federal holidays
• Special employee pricing on lending products such as mortgage, auto, and personal loans (eligibility for special employee pricing is subject to standard account requirements and underwriting criteria)
  
  

Location: Rocklin Corporate Location, Rocklin, CA 95765 | Hillsboro Corporate Office, Hillsboro, OR 97124

Target Compensation in Rocklin, CA: $126,000 to $148,000 annual bonus

Target Compensation in Hillsboro, OR: $115,000 to $135,000 annual bonus

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