What are the responsibilities and job description for the Consumer Credit Risk Sr Data & Analytics Analyst position at Regions Financial and Careers?
Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.
Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions’ Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system.
Job Description:
At Regions, the Data and Analytics Analyst transforms data into a meaningful format for operational and/or decision-making purposes. Focusing on day-to-day deliverables, this role works with managers to gather and interpret data for leaders to make data-driven decisions.
Primary Responsibilities
Creates reports that are valuable, readable, and presentable to stakeholders
Prepares visual reports/presentations to present analysis to management
Interprets, analyzes, and provides insights to teams and managers to determine operational impact, trends, and opportunities
Performs data analysis to help achieve data automation
Creates and maintains databases to help classify & store information
Completes day-to-day deliverables and ad-hoc data reports to support business needs/projects and answer data related questions
Ensures compliance by performing quality data audits, mining, and management
Monitors data and analytics trends and seeks opportunities for continuous improvement
May offer guidance to junior analysts, ensuring proper training and tools are provided
Partners with the centralized Data Governance team to implement and support data governance and data quality requirements
This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.
Requirements
Master's degree in Business, Computer Science, Information Systems, Finance, Statistics, or related field and four (4) years of experience in a data analytics or related role
Or, a Bachelor’s degree in Business, Computer Science, Information Systems, Finance, Statistics, or related field and six (6) years of experience in a data analytics or related role
Preferences
Experience utilizing analytical software such as Structured Query Language (SQL), Statistical Analysis System (SAS), SAS Enterprise Miner, and applicable Microsoft Office applications
Working knowledge of business intelligence software (e.g. Tableau, Power BI)
Skills and Competencies
Demonstrated leadership capabilities
Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
Strong verbal, written communication, and organizational skills
Strong work ethic and self-motivation
Additional Job Description:
This role supports consumer credit risk strategy through advanced data analysis, decision-based strategy development, and exception management, with specific expertise in check holds and deposit risk . The analyst partners closely with Risk, Operations, and Product to ensure strategies balance loss mitigation, customer experience, and regulatory expectations .
Key responsibilities include:
Retail Consumer Banking operations experience.
Consumer Credit Card, Small Business and Direct Lending experience.
Check hold risk mitigation experience.
Regions will not sponsor applicants for work visas for this position. Applicants for this position must be currently authorized to work in the United States on a full-time basis.
Position Type Full time
Compensation Details
Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job.
The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position.
Job Range Target:
Minimum: $98,175.00 USD
Median: $126,130.00 USD
Incentive Pay Plans: This job is not incentive eligible.
Benefits Information
Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.
Paid Vacation/Sick Time
401K with Company Match
Medical, Dental and Vision Benefits
Disability Benefits
Health Savings Account
Flexible Spending Account
Life Insurance
Parental Leave
Employee Assistance Program
Associate Volunteer Program
Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions’ benefits, please click or copy the link below to your browser.
https://www.regions.com/about-regions/welcome-portal/benefits
Location Details Regions Center
Location: Birmingham, Alabama
Equal Opportunity Employer/including Disabled/Veterans
Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.
Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions’ Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system.
Job Description:
At Regions, the Data and Analytics Analyst transforms data into a meaningful format for operational and/or decision-making purposes. Focusing on day-to-day deliverables, this role works with managers to gather and interpret data for leaders to make data-driven decisions.
Primary Responsibilities
Creates reports that are valuable, readable, and presentable to stakeholders
Prepares visual reports/presentations to present analysis to management
Interprets, analyzes, and provides insights to teams and managers to determine operational impact, trends, and opportunities
Performs data analysis to help achieve data automation
Creates and maintains databases to help classify & store information
Completes day-to-day deliverables and ad-hoc data reports to support business needs/projects and answer data related questions
Ensures compliance by performing quality data audits, mining, and management
Monitors data and analytics trends and seeks opportunities for continuous improvement
May offer guidance to junior analysts, ensuring proper training and tools are provided
Partners with the centralized Data Governance team to implement and support data governance and data quality requirements
This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.
Requirements
Master's degree in Business, Computer Science, Information Systems, Finance, Statistics, or related field and four (4) years of experience in a data analytics or related role
Or, a Bachelor’s degree in Business, Computer Science, Information Systems, Finance, Statistics, or related field and six (6) years of experience in a data analytics or related role
Preferences
Experience utilizing analytical software such as Structured Query Language (SQL), Statistical Analysis System (SAS), SAS Enterprise Miner, and applicable Microsoft Office applications
Working knowledge of business intelligence software (e.g. Tableau, Power BI)
Skills and Competencies
Demonstrated leadership capabilities
Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.)
Strong verbal, written communication, and organizational skills
Strong work ethic and self-motivation
Additional Job Description:
This role supports consumer credit risk strategy through advanced data analysis, decision-based strategy development, and exception management, with specific expertise in check holds and deposit risk . The analyst partners closely with Risk, Operations, and Product to ensure strategies balance loss mitigation, customer experience, and regulatory expectations .
Key responsibilities include:
- Preparing the Consumer Bank’s Credit Risk Assessments
- Providing business input into the determination of Risk Appetite and Concentration Frameworks, and Credit Policy
- Monitoring and identifying both internal and external factors that track emerging risks
- Acting as a liaison for Credit Reviews and Audits related to Credit Risk
- Coordinating changes in Credit Policy to implement Credit strategies
- Assisting with pricing and profitability by providing insights and challenge to expected loss, economic capital, probability of default, and loss given default assumptions
Retail Consumer Banking operations experience.
Consumer Credit Card, Small Business and Direct Lending experience.
Check hold risk mitigation experience.
Regions will not sponsor applicants for work visas for this position. Applicants for this position must be currently authorized to work in the United States on a full-time basis.
Position Type Full time
Compensation Details
Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job.
The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position.
Job Range Target:
Minimum: $98,175.00 USD
Median: $126,130.00 USD
Incentive Pay Plans: This job is not incentive eligible.
Benefits Information
Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.
Paid Vacation/Sick Time
401K with Company Match
Medical, Dental and Vision Benefits
Disability Benefits
Health Savings Account
Flexible Spending Account
Life Insurance
Parental Leave
Employee Assistance Program
Associate Volunteer Program
Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions’ benefits, please click or copy the link below to your browser.
https://www.regions.com/about-regions/welcome-portal/benefits
Location Details Regions Center
Location: Birmingham, Alabama
Equal Opportunity Employer/including Disabled/Veterans
Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.
Salary : $98,175 - $126,130