Dividend - Risk and Strategy Analyst II

About Dividend

At Dividend, we question convention, reward creativity, and always welcome new ideas. We are hungry to win, happy to help, and determined to succeed. Every day, we get to see the impact we've had on our customers, our partners, and on the world around us. So, take a look and see if you think you'd be a good fit for Dividend.

About Dividend: 

Founded in 2013 in San Francisco, Dividend is a leading fintech point-of-sale lender for residential solar and home improvement financing. We created an easy straightforward process that enhances installer’s ability to close deals fast, and help borrowers finance their projects seamlessly.  

In May 2022, Dividend Finance became a division of Fifth Third Bank. We understand you’re investing your time, energy and experience into our company, so it’s important to us that we also invest in you. We aim to be the best part of your career journey through career development, a competitive benefits package, a flexible work schedule, a generous time away policy, and a company culture that fosters authentic work relationships, bold ideas, and empowered customers. 

Position not available for immigration sponsorship

Our Team is Growing:

Position is responsible for the pricing and risk strategies; focusing on bringing data-driven decisions to life. In addition, they will build out testing strategies, valuation structures and create ecosystems that will monitor and react to the various KPIs and risks. In addition, the analysts will work across the organization with other key team members to bring their strategies to life, working closely with senior leadership.

As a Dividend and Fifth Third Bank team member, you will be responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. You will be accountable for always doing the right thing for customers and colleagues and ensuring that actions and behaviors drive a positive customer experience. While operating within the risk appetites of Provide and Fifth Third Bank, you will be expected to achieve results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. 

A Day In The Life:

• Perform analyses and build models to launch new product, risk and pricing strategies for Solar and Home Improvement lending products
• Drive step-change improvements in credit performance by analyzing historical loan data, develop risk scorecards, and testing hypotheses using rigorous monitoring and analysis
• Develop the ecosystem that delicately and proactively manages the risk between the installer/contractors and end consumers

• Establish, document, and formalize processes and controls to drive greater operational efficiencies and excellence for critical initiatives and deliverables.  Address risk and opportunities and existing procedures

• As a key member of the Risk and Strategy organization, work closely with Technology, PMO, and Operations to scope operational feasibility, lead implementation efforts and launch MVP iterating quickly as we get more learnings and market feedback

• Conduct ad-hoc deep-dive analyses for senior leadership to drive strategic business decisions

• Support existing Solar products through improved risk policies and valuations methodologies

• Develop next generation of Home Improvement offerings through both product, pricing, and strategic levers

• Work with onsite and offshore vendor partners in the execution of data projects

Our Newest Teammate Will Have:

• Bachelors or Masters in STEM or Economic background preferred with a focus on hypothesis and data driven solutions or equivalent work experience

• 2+ years of experience in Credit Risk, Operations Analytics, Modeling/Data Science or related field

• Highly proficient in SAS/R/Python and SQL along with advanced MS EXCEL skills, pivot tables, etc., preferably include VB / macro writing.
• Ability to manipulate large datasets. Strong understanding of A/B Test and Control methodologies
• Ability to communicate complex ideas as simple, easy to understand concepts; ability to present effectively to both business and technical audiences at all levels of the organization
• Ability to effectively manage multiple tasks with challenging deadlines and priorities
• Build partnerships, collaborate, and influence at senior levels and across the business

Dividend - Risk and Strategy Analyst II

Total Base Pay Range 69,800.00 - 143,100.00 USD Annual

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner. 

LOCATION -- Chicago, Illinois 60611

Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting.  Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third.  Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.