Credit Review Data Scientist Senior
M&T Bank
About the role
OVERVIEW:
Serves as the primary technical resource responsible for data extraction, transformation, analysis, dashboard development, and operational reporting supporting Credit Review activities. Serves as a "hands-on keyboard" analytics expert in developing complex methods, processes, and systems to consolidate and analyze diverse big data sources to generate insights and solutions for the Credit Review team, and for product enhancements. Works closely with the Credit Review Data Steward to support the Credit Review Department’s portfolio Risk Assessment process, review universe development, Reviewable Entity definition, sample selection, portfolio monitoring, and executive reporting. Assists other members of the Credit Review Professional Practices team with data visualization initiatives.
POSITION RESPONSIBILITIES:
Data Extraction & Transformation
Extract data from Commercial and Consumer loan systems and from data warehouse environments.
Create repeatable Extract, Transform, Load (ETL) processes.
Build automated datasets.
Portfolio Analytics
Produce portfolio segment analyses.
Monitor asset quality trends.
Generate concentrations and risk stratifications.
Support Credit Review’s Risk Assessment processes.
Sample Selection Analytics
Assist in determining, developing and stratifying portfolio populations.
Generate statistically valid samples.
Document sample methodologies.
Dashboard Development
Build and maintain dashboards tracking factors such as Credit Review’s review universe, planned versus completed reviews, testing deviation trends, delinquencies, Criticized assets, charge-offs, risk rating migration, and emerging portfolio risks.
Ad-Hoc Analysis
Support Credit Review’s Targeted Review activity.
Perform targeted portfolio analyses.
Respond to management requests.
Support regulatory examinations.
Complete other related duties as assigned.
NATURE AND SCOPE:
N/A
MANAGERIAL/SUPERVISORY RESPONSIBILITY:
None
MINIMUM QUALIFICATIONS REQUIRED:
Bachelor’s degree and a minimum of 5 years related experience, or in lieu of a degree, a combined minimum of 9 years higher education and/ or work experience, including a minimum of 5 years related experience
Experience working with multiple statistics and data science principles such as AB testing, sample selection, hypothesis testing, and modeling bias
Proficiency with pertinent statistical software and languages and tools
Experience with various hybrid databases both on premise and in the cloud
Intermediate level knowledge of Structured Query Language (SQL) and Not Only Structured Query Language (nSQL)
Intermediate understanding of modeling techniques such as Bayesian Modeling, Classification models, Cluster analysis, Neural Network, Non-parametric methods, and Multivariate statistics
Experience analyzing large data sets
IDEAL QUALIFICATIONS PREFERRED:
Credit Risk Management or Credit Review experience
Extensive knowledge of and familiarity with data management, analysis, and warehousing products, systems and workflows (Python, Power BI, Alteryx, etc.)
Highly proficient with Data Governance Tools and with data warehousing concepts
Experience participating in the remediation of complex data issues
Strong understanding of statistical sampling methodologies and statistical analysis techniques and tools
Strong portfolio analytics capabilities
Strong data visualization skills (Power BI, Tableau)
Understanding of AI, Generative AI, and Machine Learning applications and capabilities are considered a plus
Prompt engineering skills are considered a plus
PHYSICAL REQUIREMENTS:
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $103,000.00 - $171,600.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
Buffalo, New York, United States of America
Responsibilities
- Extract and transform data from loan systems and data warehouses, and build repeatable ETL processes and automated datasets.
- Analyze portfolio segments, asset quality trends, concentrations, and risk stratifications.
- Support Credit Review risk assessment, population development, and statistically valid sample selection.
- Build and maintain dashboards tracking reviews, testing deviations, delinquencies, criticized assets, charge-offs, and portfolio risks.
- Perform targeted portfolio analyses, respond to management requests, and support regulatory examinations.
Qualifications
- Bachelor’s degree and at least 5 years of related experience, or an equivalent combination of education and work experience with at least 5 years of related experience.
- Experience applying statistical and data science principles, including A/B testing, sample selection, hypothesis testing, and modeling bias.
- Proficiency with statistical software, programming languages, and tools; experience with hybrid on-premise and cloud databases.
- Intermediate SQL and NoSQL skills and knowledge of modeling techniques, including Bayesian modeling, classification, clustering, neural networks, and multivariate statistics.
- Experience analyzing large datasets.
- Preferred: credit risk or credit review experience; Python, Power BI, Alteryx, data governance, data warehousing, statistical sampling, portfolio analytics, and data visualization skills.
- Preferred: familiarity with AI, generative AI, machine learning, or prompt engineering.
Skills mentioned
About M&T Bank
Great companies have an enduring sense of purpose. At M&T Bank, our purpose is a simple one: make a difference in people’s lives and uplift the communities we serve. Founded in 1856 in Buffalo, NY we are now a top 11 full-service US-based commercial bank with a retail footprint across the east coast and wealth services available nationwide and abroad. As a bank, we offer advice, guidance, expertise, and solutions across the entire financial spectrum that combines M&T’s traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. We are a community-minded organization with more than 170 years of experience. We serve customers, community, and colleagues whether they be across the street, across the state or across the country. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values drive the work we do – integrity, ownership, collaboration, curiosity, candor and we seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws.
H-1B sponsorship history
Historical employer filing data was found for M&T Bank. The employer record includes 532 historical certified applications. This is employer-level history, not a guarantee that this role currently offers sponsorship.