Analytics and Risk - Sr Analyst II - Consumer Lending

TITLE: SR ANALYST II - CONSUMER LENDING

STATUS: EXEMPT

REPORT TO: VP - CONSUMER LENDING - ANALYTICS AND RISK

DEPARTMENT: ANALYTICS AND RISK

JOB CODE: 12002
PAY SCALE: $124,700.00 - $135,000.00 ANNUALLY 

The Senior Analyst II provides advanced analytical support to business partners across Golden 1 Credit Union. This role works closely with cross‑functional teams and leadership to transform complex data into actionable insights that enhance products, services, and business processes.

As a senior‑level individual contributor, the Senior Analyst II plays a key role in supporting strategic decision‑making by gathering, preparing, and analyzing data to identify trends, uncover patterns, and deliver data‑driven recommendations that inform enterprise priorities. This position partners with leadership and other analysts on highly complex analyses that directly impact corporate strategy.

The Senior Analyst II is expected to operate as a thought leader within the analytics function, serving as a subject‑matter and technical expert for both the analytics team and business partners. Success in this role requires strong critical thinking, clear communication, and advanced technical skills.

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

You translate complex and disparate data into clear, actionable insights that inform strategic and operational decision making across the Credit Union.

You are senior level analytics thought leader and technical expert who partners effectively with leadership and cross functional teams to deliver high impact, data driven solutions.

You apply strong critical thinking, advanced analytical skills, and clear communication to lead complex analytics initiatives, mentor others, and drive continuous improvement through scalable data solutions.

GOLDEN 1 RESPONSIBILITES INCLUDE:

• Lead end‑to‑end analytics initiatives by scoping work, triaging incoming analytic requests, and delivering scalable data and analytical solutions.
• Partner with cross‑functional stakeholders (e.g., product managers, data engineers, analysts) to design and execute experiments, pilots, and minimum viable products (MVPs) based on defined business use cases.
• Translate complex, disparate, and raw data into clear data stories that enable evidence‑based decision‑making across the Credit Union.
• Develop robust executive‑level visualizations and dashboards to communicate trends, performance, risks, and opportunities.
• Proactively assess business needs and recommend research and analytics projects that deliver measurable value and strategic insight.
• Prepare and deliver recurring and ad hoc reporting—including analysis and presentations—for management decision support, committee review, and enterprise information requests.
• Maintain strong quality controls by reviewing and supporting sign‑off of reporting and analyses prior to release to business partners.
• Establish and institutionalize analytics best practices (methods, documentation, standards, and repeatable processes) to improve consistency and scalability across the organization.
• Mentor and coach junior analysts by strengthening technical capability, analytical problem‑solving, and business acumen; provide guidance on analytics standards and best practices.
• Monitor and maintain awareness of the current and emerging economic landscape and internal/external factors that may influence performance, risk, and strategic priorities.
• Ensure work products and processes comply with applicable standards, policies, regulations, and systems of internal control.

EDUCATION:

Bachelor’s degree in a quantitative or analytical field (e.g., Accounting, Mathematics, Business Administration, Information Technology, or similar). Equivalent relevant experience may be substituted in lieu of a degree.

EXPERIENCE:

• 10 years of analytical experience.
• Demonstrated proficiency in data architecture, data warehousing, and business intelligence.
• Knowledge of commonly used concepts, practices, and procedures within credit union operations

KNOWLEDGE/SKILLS:

• Microsoft Excel (advanced formulas/functions, pivot tables, dashboard creation, data connections, and automation/macros)
• Microsoft Office Suite
• VBA coding to support task automation

Preferred:

• SQL programming (select statements, Joins, aggregations, temp tables, complex querying)
• SAS Enterprise Guide (data manipulation, transformation, aggregation; basic SAS programming)
• Python and/or R (quantitative analysis and modeling)
• Power BI and/or Tableau (building visuals and datasets, complex reporting)

• Machine learning and data modeling

CORE COMPETENCIES:

• Solves Problems Proactively – Tackles complex issues independently
• Innovates and Applies Insights – Suggests improvements
• Delivers Results with Agility – Maintains quality during change
• Collaborates Across Teams – Works effectively with peers
• Influences and Persuades – Shares expertise to guide others

INTERNAL: All levels of staff and management, including senior leadership.

EXTERNAL: Vendors, other financial institutions, business partners, and industry peers as needed.

Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient. 

Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

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Salary : $124,700 - $135,000