Open to CFPB employees only (Competitive service permanent)
This position is located in the Consumer Financial Protection Bureau, Office of Consumer Education (CE). The Financial Analyst is responsible for conducting complex financial analyses and market assessments regarding consumer financial product and service markets in order to assist in the identification and evaluation of industry trends.
Lead the analysis and evaluation of financial and operational data for market participants using complex quantitative and qualitative techniques. Lead the collection, validation, and transformation of data from a variety of primary public and non-public information sources to develop insight into industry business models including both revenues and cost structures. Proactively identify both new techniques and new sources of data for analysis. Establish techniques to be used by junior analysts.
Oversee the maintenance of databases of information pertaining to market participants and industry trends. Lead ad hoc querying support for specific requests made by senior staff members as directed.
Develop measures for quantifying risks to consumers and markets in consumer lending markets and consumer risk analytics for monitoring of depository and non-depository institutions. Ensure measures are adopted and utilized correctly by junior analysts.
Establish and lead the calculation and interpretation of operating and business metrics, including risk adjusted profit margins, loss and allowance ratios, risk and delinquency metrics, and other portfolio related evaluation statistics, and/or costing models, capital structure, and other retail financial services related evaluation statistics.
Utilize consumer market research information to develop up-to-date views on issues of interest to the market teams, such as banking availability across the spectrum of consumers, new consumer financial product or service adoption by consumers, or to help identify pockets where credit or other product availability may be declining. All written materials prepared are fully developed, comprehensively and concisely present issues, provide evidence-based conclusions, and summarize clear recommendations.
Occasional travel - Occasional travel may be required.
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