The Analyst, Enterprise Risk Management (Data Science & Risk Management) works under the guidance of a Portfolio Risk Manager and/or Advisor. The Analyst will lead and manage risk analysis in coordination with other departments to ensure maximum protection of the organization's credit assets. Using business tools and applications, analyzes specific portfolios (Auto, Mortgage, Retail, Commercial & US Loans) to monitor risks and reduce the probability of default or loss outcomes. Aids bank’s management in the identification, measurement, monitoring, and controlling of credit risk. This position will be working hybrid based in Oriental Center building, San Juan, Puerto Rico.

Main Duties & Responsibilities:

• Ensure risk and controls are effectively managed.

• Accountable for the credit risk monitoring of loan portfolios.

• Support in the oversight and monitoring of credit concentration and policy exceptions limits.

• Advise in the development of agile and proactive tools and mechanisms for monitoring and forecast credit risks performance metrics.

• Manage to monitor credit risk metrics to ensure they are within the thresholds, tolerance, and/or parameters defined in bank’s risk appetite framework.

• Support bank’s management in the identification, measurement, monitoring, and controlling of credit risk.

• Analyze scoring models effectiveness – retail and commercial and recommends enhancements / improvements to ensure accurate results that support a loan portfolio growth.

• Provides advise and expert analysis to portfolio risk management to create awareness of the risk assessment framework in compliance with established bank's risk appetite.

• Other duties may be assigned.

Minimum Requirements:

• Bachelor’s in Computer Science, Finance, Accounting or related field required.

• Two (2) years of experience in data science, programming, databases or risk analysis or related required. Banking experience preferred.

• Minimum education and experience required can be substituted with the equivalent combination of education, training and experience that provides the required knowledge skills and abilities.

• Strong experience with statistical analysis tools (R, Python, SQL, Snowflake & others), data visualization platforms (e.g., Tableau, Power BI), and machine learning algorithms for risk assessment required.

• Knowledge of risk management frameworks, combined with the ability to manipulate large datasets to extract actionable insights.

• Proven ability to create and deploy predictive models to mitigate risks and improve decision-making processes.

• Excellent written and verbal communication skills in both English and Spanish, with the ability to explain complex data-driven findings to non-technical stakeholders required

• Strong skills in the use of operational tools including Word, Excel, PowerPoint, and cloud-based data analysis platforms.

• Excellent interpersonal skills, multitasking, teamwork, and ability to work effectively with vendors is required.

#Li-Hybrid

Oriental is an Equal Opportunity Employer ( EEO Employer / Affirmative Action for Females / Disabled / Veterans )

Recruitment Privacy Statement (https://orientalbank.com/assets/pdfs/recruitment_privacy_policy_statement.pdf)

Compliance Posters

This may be the opportunity to change your life and take your career to the next level.

Oriental is a great place to work, grow and develop. Each employee is key in the company's success. Our team consists of an excellent group of people and we believe you could be one of them. We offer you the opportunity to work and be part of an organization that is dedicated to progress. We offer diverse employment opportunities that go from internships to executive positions. We recognize that our employees are the most important asset of our company, which is why we foster an environment of collaboration, based on trust and mutual respect. Our selection process promotes equal employment opportunity and does not discriminate on grounds of sex, color, age, social status, religious beliefs, veteran status or disability. Included is reference material including our recruitment privacy policy and any relevant labor laws we abide to:

Compliance_Posters / Labor Laws (https://orientalbank.com/assets/pdfs/compliance_posters.pdf)

Recruitment Privacy Policy Statement

Esta puede ser la oportunidad que cambie tu vida y lleve tu carrera profesional a otro nivel.

Oriental es un gran lugar para trabajar, crecer y desarrollarse. Cada empleado es nuestro factor clave en el éxito de la compañía. La mejor gente del mundo trabaja aquí y creemos que podrías ser uno de ellos. Oriental te ofrece la oportunidad de trabajar y ser parte de una organización que se dedica al progreso. En Oriental ofrecemos diversas oportunidades de empleo, que van desde internados hasta puestos directivos. Reconocemos que nuestros empleados son el activo más importante de nuestra compañía, es por esto que fomentamos un ambiente de colaboración, basado en la confianza, el respeto mutuo, al valorar las diferencias de cada empleado. Nuestro proceso de selección es uno que promueve la igualdad de oportunidades en el empleo y no discrimina por razón de sexo, color, edad, condición social, creencias religiosas, condición de veterano o incapacidad. A continuación material de referencia incluyendo nuestra política de privacidad y leyes laborales aplicables:

Afiches de Cumplimiento/ Leyes Laborales (https://orientalbank.com/assets/pdfs/compliance_posters.pdf)

Política de Privacidad de Reclutamiento