Business Analyst - Retail Banking

Leading Bank is seeking a hands-on Senior Business Analyst to drive data-driven insights across the bank’s Retail, Commercial, Corporate, Treasury, Payments, and Digital Banking businesses.

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Locations: Los Angeles, NYC, and TX

This role is responsible for analyzing customer, product, and operational data; designing scalable business processes; and partnering across business lines, Marketing, Operations, Technology, Risk, and Compliance to deliver measurable improvements in customer experience, operational efficiency, and portfolio performance. The Senior Business Analyst will play a central role in shaping how the Bank uses analytics to improve growth, profitability, and operational effectiveness across all banking segments

Responsibilities

Enterprise Banking Analytics \& Insights

• Analyze customer, product, and operational data across Retail, Commercial, and Corporate Banking to identify trends, opportunities, and performance gaps
• Build dashboards, KPI frameworks, and executive reporting that track portfolio health, customer behavior, lending performance, treasury services utilization, branch/channel performance, and digital adoption
• Translate analytical findings into actionable recommendations for product, pricing, credit, treasury management, and operational teams

Process \& Workflow Optimization

• Map and redesign end-to-end workflows across deposits, lending, treasury services, payments, FX, onboarding, servicing, fraud/exception handling, and digital channel journeys
• Identify automation opportunities to reduce manual work, improve straight-through processing, and enhance customer experience across both Retail and Commercial operations
• Partner with Operations to streamline reconciliation, reporting, exception management, and servicing processes

Digital Banking \& Customer Experience

• Support enhancements to online, mobile, and commercial digital platforms by analyzing usage patterns, friction points, and feature adopion
• Develop user stories, functional requirements, and process flows for digital banking improvements across consumer and business banking
• Collaborate with UX, Product, and Technology teams to validate concepts through prototypes and iterative testing

Cross-Functional Delivery

• Work closely with Retail, Commercial, Treasury, Payments, Technology, Risk, Compliance, and Data teams to ensure solutions meet regulatory, operational, and customer-experience requirements
• Facilitate agile ceremonies including backlog refinement, sprint planning, and prioritization based on business value
• Ensure all requirements are audit-traceable, well-documented, and aligned with enterprise governance standards

Performance Measurement

• Define and track outcome-based KPIs for all initiatives, including deposit growth, lending efficiency, treasury product adoption, digital engagement, operational efficiency, and risk reduction
• Prepare executive-level reporting and insights for senior banking leadership.

Qualif

ications

• 6\+ years of experience in business analysis, process design, or workflow transformation within Retail, Commercial, Corporate, or Treasury Banking
• Strong domain knowledge in deposits, consumer lending, commercial lending, treasury services, payments, FX, onboarding, servicing workflows, and digital banking platforms
• Proficiency in business analysis methodologies: BPMN process modeling, use case development, user stories, functional specifications, and data flow mapping
• Experience with banking analytics, including KPI design, dashboarding, segmentation, portfolio analysis, and customer behavior insights
• Understanding of core banking systems, treasury platforms, payment rails, FX engines, and digital banking systems (FIS, Fiserv, Temenos, Jack Henry, Thought Machine, or
• similar).Strong grasp of risk, compliance, and regulatory expectations across consumer and commercial banking (KYC, AML, BSA, Reg E, UDAAP, commercial credit policies, etc.).
• Ability to collaborate with cross-functional teams and present complex findings clearly to senior leadership
• Bachelor’s degree in Business, Information Systems, Finance, Engineering, or related field; advanced degree preferred

Required Skills

Power BI, Tableau, SQL, Snowflake, Databricks, Marketing Analytics, Retail Banking, Consulting

Send resume to [email protected]