Join our dynamic team as a pivotal contributor to the newly established 1st Line Credit Function within our Business Banking organization. In this exciting role, you will collaborate closely with our risk partners to shape and define the risk appetite P&L for our Lending Business. Your expertise will be instrumental in driving strategic initiatives and ensuring robust risk management practices. Additionally, you will be at the forefront of developing and leveraging the innovative Retail Valuation Framework (RVF) in partnership with our esteemed Credit Risk Team. 

As a Vice President in Financial Analysis on the Lending Finance & Pricing Team, you will be responsible for the financial assessment of risk strategies, impact on pricing assumptions, quantification of impact on risk appetite financial results, and support of credit risk strategy.  You will report directly to the Head of BB Lending Finance.  This role requires strong analytical expertise, financial knowledge, and collaboration with internal teams to balance risk and growth. 

Job Responsibilities:

Manage and own the implementation of various assumptions and create Retail Risk Appetite P&L, including expenses, capital, and credit losses.Lead the pricing forum to gather input from key stakeholders such as product, field, legal, risk, compliance, and fair lending, and document and track decisions.Develop reporting on portfolio performance and other key lending metrics to support strategic pricing decisions.Collaborate with Wholesale and Retail Finance Pricing teams to develop management dashboards that provide valuable insights.Oversee the controls framework, determining which processes are automated versus manual, and ensure all necessary controls are in place and properly executed.Conduct detailed quantitative analysis and design analytical frameworks to forecast key account performance and profitability measures, including expense allocations.Handle ad-hoc requests related to the financial impacts of new strategies, and updates to pricing or assumptions.

Required Qualifications, Capabilities and Skills:

Bachelor’s degree in finance-related or quantitative field7+ years of experience in consumer lending, treasury, finance, or P&A at a financial services firmStrong aptitude in Microsoft Excel and Alteryx platformAbility to create financial models, reporting, and repeatable processes

Preferred Qualifications, Capabilities and Skills:

Experience with a Lending P&L is a plusExperience using SAS/SQL is a plus