Business Intelligence Data Analyst III

Habemco is a shared services company wholly owned and operated by the Habematolel Pomo of Upper Lake, a federally recognized Native American tribe located in Northern California. Habemco’s support services such as product development and technology which are needed for business growth, ultimately power the Tribe’s economy, and enable the delivery of education, health care and elder support programs for the Tribal community. Our talented team provides cross-functional support services to various tribal business and government entities. The Habemco team plays a critical role in ensuring a successful future for our customers, our employees, and the Tribe.

Headquartered in a beautiful, yet remote part of California, the Tribe recognizes that to compete in highly competitive industries such as FinTech, the Tribe must access expertise throughout the nation. In addition to employees that work remotely, the Tribe has employees located at its headquarters in Upper Lake, California and at a campus in Lenexa, Kansas.

Employees receive competitive pay and benefits, quarterly performance bonuses and 401(k) with a 4% match. Our team is creative, forward-thinking, passionate and moves fast! Are you ready to grow with us?

Purpose of the Position

Supports and contributes to external business analytics projects and processes to provide data-driven insights used to advise the client and develop strategies for operational improvements and future business initiatives. Uses statistical methods, modeling, analytical methodologies, and data analysis to develop and deploy tools including dashboards, infographics, reports, and models to inform and support decision-making. Mines, processes, and analyzes internal and external data using KPIs, business results, industry sources, competitor intelligence, and customer information. Develops a good understanding of the business's model, objectives, issues, and challenges by interacting and collaborating with users and stakeholders. Incumbent in this role performs the role independently and collaboratively while contributing to moderately complex aspects of a project.

Key Responsibilities

Data Analyst in the lending industry play a vital role in bridging the gap between data and business decisions.

• Collaborate with stakeholders across various business units (marketing, finance, credit risk, Call Center, Product Eng. etc.) to understand their data needs and analytical requirements.


• Translate these business requirements, build wireframes, and document them into clear and actionable technical specifications for the data analytics team.


• Work closely with data analysts and data scientists to ensure the final data analysis projects, reports, or dashboards address the specific needs identified during the requirements gathering phase.


• Thorough understanding of Analyzing marketing campaigns performance, lead performance, profitability analysis, historical trends, segment borrowers, and all related target marketing campaigns.


• Work with Finance organization in building loan performance analysis, profitability analysis, historical trends, forecasting & budgeting reports, identify potential risks, assess portfolio health, and other metrics as assigned.


• Work with credit risk team and data scientists to develop credit scoring models, fraud prevention, risk analytics, ensure regulatory compliance, and identify/mitigate risk models


• Analyze customer data to Enforce AML/KYC rules, establish data governance, and support regulatory reporting, and audits to align with compliance requirements


• Analyze user experience, product adoption, understand customer behavior data and integrate data sources to meet product engineering data requirements , loan application process and identify areas of improvement


• Analyze customer feedback data from call centers to identify areas for improvement in the customer service experience. Analyze call center metrics (call volume, average handle time, resolution rates) to assess call center efficiency and identify opportunities for improvement.

Education and Experience

Required:

• Bachelor of Arts/Science from an accredited university with major in finance, statistics, or a similar quantitative field. PLUS 4 or more years of work experience conducting analysis & reporting, credit risk analysis, or risk management in the financial services/lending industry.


• Candidate possesses Intermediate level of skill with Excel, PowerPoint, and Word for preparation of reports and presentation materials.


• Advanced proficiency with a BI tool (Tableau or PowerBI).


• Intermediate level experience with SQL and other data manipulation languages in the handling of large datasets. Languages preferred include R, and Python.


• Knowledge of data modeling and visualization best practices.


• All offers are contingent upon signing a confidentiality agreement and satisfactory completion of drug screening and background checks. Employer observes federal standards for controlled substances.

Skills & Abilities

• Understanding of business processes and operations.


• Demonstrated ability to deliver results both independently and in collaboration with others.


• Ability to work in a fast-paced, time-sensitive, regulated, and confidential environment.


• Excellent communication skills, utilizing the ability to communicate effectively both orally and in writing with professionalism, excellent grammar, respect, and courteousness.


• Strong sense of curiosity, interpreting information, identifying new opportunities, and exploring solutions.


• Strong analytical, critical thinking, and problem-solving skills.


• Excellent written and oral communication skills.


• Aptitude for a high level of accuracy and attention to detail.


• Effectively prioritizes and executes tasks in a highly productive yet autonomous environment. 


• Ability to present technical ideas in concise, user-friendly, or layman’s language. 


• Strong interpersonal skills used in developing effective working relationships and listening skills. 


• Ability to work in a fast-paced, time-sensitive, and confidential environment. 


• Excellent communication skills, utilizing the ability to communicate effectively both orally and in writing with professionalism, excellent grammar, respect, and courteousness. 


• Ability to function as a contributing team member and interact positively and openly with peers and other departments in a fast-paced, multi-tasking environment.


• Possess a balance of assertiveness and diplomacy along with adaptability to communicate on all levels.

Physical Requirements

• Prolonged periods in a stationary seated position, such as working on a computer. 


• Frequently move, transport, and manipulate computer equipment up to 10 pounds.


• Verbal communication sufficient to exchange accurate ideas and information.