Principal Business Insights Analyst- Deposit Pricing & Forecasting

• Own the end-to-end consumer deposits balance forecast, including assumptions, methodologies, refresh cadence, and documentation
• Monitor and report actual deposit balances versus forecast, identifying key drivers of variance and providing clear, actionable explanations to stakeholders
• Track, analyze, and report on cost of funds, Funds Transfer Pricing (FTP) trends, and their impacts on deposit economics over time
• Track and analyze total Net Interest Income (NII) attributable to consumer deposits, including drivers of change related to balances, pricing, mix, FTP, and the interest rate environment
• Develop scenario and sensitivity analyses to assess the impact of pricing, market conditions, FTP assumptions, and strategic actions on deposit balances, funding costs, and NII
• Deliver analytical insights to inform deposit pricing decisions, promotional strategies, and broader funding optimization efforts
• Support the execution of approved pricing changes, including pre- and post-implementation analysis, performance tracking, and validation of outcomes versus expectations
• Evaluate pricing effectiveness and customer response by segment, product, channel, and rate environment to identify opportunities and risks
• Partner with stakeholders to assess tradeoffs between growth, retention, margin, funding stability, and NII using data-driven frameworks
• Support short- and long-term strategic planning efforts by translating forecasts, pricing strategies, and analytical insights into implications for financial performance and balance sheet outcomes
• Perform end-to-end analytics, from problem framing and data sourcing through modeling, analysis, and executive-level communication
• Analyze large, complex datasets to uncover trends, patterns, and behavioral insights related to deposit growth, attrition, pricing sensitivity, and profitability
• De-average performance by customer and account segments to surface key drivers and levers impacting balances, cost of funds, FTP, and NII
• Build and maintain analytical models, dashboards, and reporting tools that support recurring performance management, forecasting, and ad hoc strategic needs
• Communicate complex analytical findings in a clear, concise, and compelling manner tailored to senior and non-technical audiences
• Produce executive-ready materials, including performance reporting, variance explanations, NII and FTP trend analysis, and pricing performance readouts
• Act as a trusted analytics partner to Finance, Treasury, ALM, Product, Strategy, Risk, and Data teams to ensure alignment and shared understanding
• Identify opportunities to automate, standardize, and improve forecasting, reporting, and analytical processes to increase efficiency and consistency
• Ensure analytical approaches are well-documented, repeatable, and aligned with data governance and control standards
• Continuously refine methodologies and assumptions based on new data, market dynamics, pricing actions, FTP changes, and learnings

• 7+ years of experience in a quantitative or analytical role, preferably within financial services, banking, or a related industry
• Strong understanding of consumer deposit products, balance dynamics, pricing mechanics, FTP, NII, and cost of funds economics
• Demonstrated experience developing and maintaining forecasts, performance reporting, and variance analysis for financial metrics
• Advanced SQL skills required
• experience with Python, R, SAS, or VBA strongly preferred
• Experience working with large datasets and modern data platforms
• Strong analytical problem-solving skills, with the ability to structure ambiguous questions and drive them to clear conclusions
• Excellent written and verbal communication skills, with the ability to influence decisions through data-backed insights
• Proven ability to manage multiple priorities and deliver high-quality work in a fast-paced, results-oriented environment
• High standards for analytical rigor, accuracy, and adherence to data governance and compliance requirements
• Bachelor’s degree required in Business or a quantitative field such as Finance, Economics, Statistics, Analytics, Data Science, Mathematics, Engineering, or a related discipline
• Master’s degree or MBA preferred

Master’s degree or MBA

• comprehensive medical, dental and vision coverage
• retirement benefits
• maternity/paternity leave
• flexible work arrangements
• education reimbursement
• wellness programs
• annual discretionary bonus