Cons Prod Strat Analyst III - Small Business Credit Strategy

Company: Bank of America
Location: Charlotte
Posted on: April 1, 2026

Job Description:

Job Description: At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates’ physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for performing more complex analysis and modeling to minimize loss exposure and negative impacts to the customer experience. Key responsibilities include utilizing a variety of systems such as Excel, SAS, SQL, Tableau, and other relational data bases to provide analytical support on strategies, ensure goals are met, and propose policy and procedural changes within segmentation structures to produce optimal results. Job expectations include evaluating data to assess potential fraud risk and create mitigation strategies. The First Party Fraud Strategies team is seeking an analytically driven and intellectually curious Analyst to support fraud mitigation efforts across our Small Business product portfolio, including Card and Line of Credit. In this role, you will work with large datasets to identify emerging fraud patterns, develop and monitor account management strategies, and partner with our Operation, Product, and Technology teams to help reduce fraud losses through data-driven decision-making. Responsibilities: Recommends ways to help the business achieve desired outcomes and make informed business decisions using data analysis outputs Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance Leads coordination of the production of product performance reports and updates for senior management Required Qualifications: Proven analytical ability as demonstrated through 2 years related professional work experience 2 years of experience using database software and analytical/reporting tools, such as SAS, SQL, DB2 to access large relational databases Bachelor’s degree in mathematics, statistics, computer science, engineering, economics, finance, or a related quantitative discipline Strong working knowledge of the process and tools used for development, validation, implementation and documentation of credit risk and/or marketing business strategies and scoring toolkits Excellent presentation, communication, and organizational skills A passion for learning and using data to derive trends, detect risks, and execute strategy projects Demonstrates a strong understanding of credit risk strategies, financial drivers, and credit operations with proven problem-solving skills Proficient in MS Office applications (Excel, PowerPoint, and Word) Must be decisive and client focused Must be a team player, creative, strategic, and be a thoughtful risk-taker Effective project management and organizational skills; ability to collaborate, manage, and expand relationships across the organization and with all levels of management Desired Qualifications: Master's degree preferred. Previous Credit experience and knowledge of Credit policies and procedures is desirable Previous experience in developing credit risk strategies or models preferred Analytic work experience in support of consumer or small business lending involving the use of credit bureau information Skills: Business Analytics Business Intelligence Data Quality Management Fraud Management Monitoring, Surveillance, and Testing Collaboration Data Visualization Oral Communications Problem Solving Written Communications Analytical Thinking Critical Thinking Data and Trend Analysis Innovative Thinking Research Shift: 1st shift (United States of America) Hours Per Week: 40

Keywords: Bank of America, Greensboro , Cons Prod Strat Analyst III - Small Business Credit Strategy, Accounting, Auditing , Charlotte, North Carolina