BUSINESS INTELLIGENCE ANALYST

Job Summary:

The Business Intelligence Analyst (BIA) supports the Business Knowledge department in designing and performing business analyses to support the execution of the Bank’s strategic and tactical plan. This includes the development, integration and preparation of internal, Executive and Senior Management presentations and reports. The Business Intelligence Analyst proactively studies business trends (based on advanced analytical schemes) and present results, recommendations, and potential actions with the objective of maximizing business profitability and improving overall performance, both financial and operations related. Must be able to translate business problems into strong analytical framework and present results in a concise; yet simple output to guide management decision and sustainable path.

In addition, the BIA is responsible for the development and execution of customer and prospect selection models that will result in customer communications for acquisition and retention efforts across the Bank’s three (3) Regions.

Essential Responsibilities:

• Engage in Machine Learning and Artificial Intelligence techniques to develop predictive models including, but not limited to, best next products to sell, probability of customer’s likeliness to respond to cross-selling efforts, predict likeliness of customer churn (attrition), customer journey, among others.

• R esponsible for maintaining and ensuring all models are fit for use, well documented within the banks’ standards.

• Develop, deploy and monitor the Bank’s product cross-selling strategy to enhance business and product profitability , becoming a key contributor to overall business results from pre-screened Direct-to-Consumer (DTC) efforts.

• Continue to enhance the Bank’s Customer 360° view with product, transactions alternative delivery channel activity for all three (3) regions.

• Conduct periodic assessment of the Bank’s customer segmentation by business, product and region through the development of robust data analytics.

• Provide tangible recommendations to Business Managers and EVP’s based on detailed portfolio analyses to support strategy development, enhance profitability and actively participate in development process of the Bank’s Strategic Plan.

• Analyze competitive information such as product features/benefits, promotional offers, interest rates and pricing.

• Coordinate with Business Units, Compliance and Marketing department to achieve most efficient and effective customer acquisition and usage optimization campaigns.

• Continuous enhancements to Project Requests from the Credit Bureau(s), primarily focused on prospect selection for Direct-to-Consumer acquisition efforts.

• Proactively collaborate with Third Party Market Research Provider for qualitative and quantitative studies of the industry, economy and social behavior of customers that can further enrich the Bank’s strategy development.

  Additional Responsibilities:

• Support the Strategy Management team in the development of the Corporation’s strategic planning process.

• Supports the completion of corporate special projects and other initiatives as needed.

• Assists in the development of the annual budget and other business projections.

  Independence of Judgment:

  The degree of judgment is related to identification and definition of new problems of moderate complexity and creation and implementation of policies, strategies and working methods of general application, following specific operations procedures and guidelines. Also uses independent judgment in the application of policies and procedures to administrate moderate to complex situations related to staff relations in conjunction with other areas.

  Supervisory Responsibilities:

  This position has not direct supervisory responsibilities.

  Impact of Errors:

  The impact of errors of this position could affect activities related with the position and other departments’ main activities and activities with impact to key external customers. Also, could affect the confidence and reputation with customers and regulators.

  Competencies:

• Data Science & Advanced Analytics:proficient technical knowledge in data management tools with keen sense in statistical analysis and machine learning algorithms.

• Analytical & Critical Thinking:outstanding problem identification and solving skills with excellent critical thinking capabilities.

• Business acumen:knowledgeable of the banking industry key business drivers, while being able to connect with stakeholders to gain a full understanding of the problems in need of solutions.

• Storytelling insights:communicate actionable insights using data, often for a non-technical audience.

• Interpersonal skills:strong communication skills, both written and verbal - English and Spanish, while operating as a team player at all moments

• Inquisitiveness: self-directed and self-motivated with an ability to work in a fast-paced environment and efficiently manage multiple tasks and priority management.

Minimum Requirements :

Degree in one of the following fields of study: BBA, BE, ME, MS and/or MBA. Additionally, 3 to 5 years of recent experience developing and executing data science models; experience in the consumer banking industry is considered an added value. Proven knowledge and understanding of regulations and laws that apply to consumer banking products. Fully bilingual (English and Spanish) with excellent verbal and written communication skills. Other qualifications are:

• Strong experience using Python, RStudio or other programming language to manipulate data, visualize and draw insights from large data sets.

• Strong knowledge of a variety of machine learning techniques (SVM, decision trees, random forest, neural networks, etc.) and their real-world advantages/drawbacks.

• Knowledge of advanced statistical techniques and concepts (regression, properties of distributions, statistical testing, etc.).

• Knowledge of relational databases and SQL

• Experience with visualization tools such as Excel, PowerBI, Tableau, etc.

  Disclaimer

  The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not indented to be an exhaustive list of all responsibilities, duties, skills required of personnel so classified. The reporting relationship may not reflect the most recent changes to the corporate reporting structure.

  Accountable for adhering to the Bank’s BSA, AML and Office of Foreign Asset Control (OFCA) applicable policies. Employee must follow specific unit procedures developed in compliance with the policies. Employee is also responsible for reporting any suspicious activity and/or transactions in accordance with the Bank’s processes and comply with any mandatory BSA, AML and OFAC training assigned.

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