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Regular or Temporary:
Regular
Language Fluency: English (Required)
Work Shift:
1st shift (United States of America)
Please review the following job description:
Acts as an individual contributor, providing project oversight and guidance to Decision Scientists, and supporting the Decision Science Director in executing against the objectives of assigned business group. Produces advanced analytic work for recommendations to support the Consumer Payments Product portfolio with a focus on credit card, risk, and optimization analytics.
• Provide detailed analytical insights and define techniques for Consumer Payments, including but not limited to:
1. Product profitability: understanding of key profitability metrics and ability to create product-level P&Ls
2. Customer segmentation: proficiency in segmentation techniques to identify spending behaviors, credit utilization, revenue / profit concentration, and demographic clusters
3. Funnel analytics: tracking performance across all touchpoints, from initial interest to conversion.
4. Risk analytics: Support the Credit Risk team to drive portfolio health, optimization, and credit risk strategies related to credit decision processes.
5. Decision modeling: experience in developing and optimizing decision models for credit card.
• Develop key analysis to grow exposure profitably including (but not limited) balance build programs, retention & exposure management
• Optimize card and digital payment product strategies to increase engagement
• Partner with Credit Analytics team and provide knowledge of consumer-lending best practices, to support the use of advanced statistical techniques and data sources that optimize the risk reward balance, improve client experience, and drive operational efficiencies
• Identify strategic opportunities, synthesize data to craft compelling stories and present recommendations to senior management for decision making
• Perform advanced data analytics and reporting of various credit card and digital payment products to extract value from business data
• Perform large-scale experimentation and build data-driven models to answer business questions
ESSENTIAL DUTIES AND RESPONSIBILITIES
Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
1. As a Senior Decision Scientist, act as a force multiplier, with a focus on high impact, visible analyses and initiatives across multiple business models, covering banking channels, segments, and products.
2. Partner on target initiatives as assigned; work independently to drive decision science projects leveraging quantitative analysis techniques, including machine learning, in pursuit of business optimization and impact.
3. Foster communication and partnership across multiple levels of the organization including engagement with mid-level managers. Maximize relationships and build trust with partners while supporting efforts aligned to LOB and company goals.
4. Pursue business outcomes valued through increased revenue and/or efficiency leveraging data-driven insights powered by analytics in support of enhanced decision-making. Focus on continuous improvement in decision science delivery and outcomes in pursuit of business optimization.
5. Champion the use of tools to solve business challenges and deliver solutions that are timely, accurate, and repeatable.
6. Exercise sound judgment, risk management, and foster a client centric culture throughout design, development, and deployment practices.
QUALIFICATIONS
Required Qualifications:
The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. The incumbent must demonstrate a combination of academic aptitude, quantitative skills, business acumen, working knowledge of transaction processing application software, application processing systems, and collection inventory systems, strategic and creative thinking, and excellent written and verbal communications skills
2. Bachelor’s degree or equivalent education and related training or experience and 5+ years of experience in Banking, Finance, Decision/Data Science, Analytics, Computer Science, Applied Mathematics or Engineering
3. 2+ years of decision science/analytics project management experience with a diverse project focus and demonstrated results
4. Must act as role model, able to perform in a cross-functional and collaborative team environment focused on supporting business partners with enhanced insights
5. Demonstrated ability to engage and support internal business partners, product sets, and projects, connecting insights with execution and business impact
6. Innovative and strategic thinker with ability to connect to practical application, providing leadership on target initiatives, with a strong bias to action and focus on quantifiable business impact
7. Experience in managing multiple projects with tight deadlines in a collaborative environment to drive maximum impact
8. Ability to maintain a high level of competency in statistical and analytical principles, tools, and techniques. Champion application of emerging decision science techniques with business partners
9. Incumbent should have an understanding of various database environments (IBM DB2, Oracle), technical programming skills (SAS, SQL, Toad), exposure to applied data science tools (R, Python, SAS E-Miner), familiarity with data visualization and BI tools (Tableau, MicroStrategy), and demonstrated proficiency in Microsoft Office Suite (Excel, PowerPoint, Word)
Preferred Qualifications:
1. 5-7 Years of experience in Banking, Finance, Decision/Data Science, Analytics, Computer Science, Applied Mathematics or Engineering
2. Previous experience in Cards and Consumer Payments
General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist’s generous benefit plans, please visit our Benefits site. Depending on the position and division, this job may also be eligible for Truist’s defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work.
Truist supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Truist is a Drug Free Workplace.
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