Job Description

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and adaptable benefits.

We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us

Job Description

Lead the development, execution, and ongoing optimization of cash flow underwriting strategies leveraging alternative data sources to enhance credit risk assessment and lending decisions. Develop customer segmentation frameworks using cash flow analytics,



transactional data, and other non-traditional risk indicators to balance growth and profit & loss objectives. Partner with others to design, implement, and operationalize underwriting strategies across acquisition channels. Monitor underwriting strategy performance, evaluate test-and-control results, and identify opportunities to improve risk differentiation, approval rates, portfolio performance, and customer outcomes through continuous optimization. Present data-driven insights, strategic recommendations, and underwriting performance results to senior leadership and cross-functional business partners, influencing key credit risk and growth decisions.

Required Qualifications

- Demonstrated analytical expertise through 4+ years of experience in credit risk, underwriting, strategy, analytics, or related fields.
- Advanced proficiency in data extraction, manipulation, and analysis using tools such as Python, SQL, SAS, Tableau, and other reporting and visualization platforms.
- Strong understanding of the methodologies, governance, and tools used to develop, validate, implement, monitor, and document credit risk models and scoring frameworks.
- Self-motivated and intellectually curious professional who thrives in fast-paced, dynamic environments and is driven to deliver meaningful business results.
- Strategic thinker with sound judgment, a collaborative mindset,



strong client focus, and the ability to balance innovation with prudent risk management.
- Exceptional verbal and written communication skills, including the ability to translate complex analytical concepts into clear, actionable business insights.
- Passion for leveraging data and analytics to identify trends, assess risk, uncover opportunities, and inform strategic decision-making.
- Demonstrated knowledge of credit risk management, underwriting strategies, financial performance drivers, and credit operations, complemented by strong problem-solving capabilities.
- Proficiency with Microsoft Office applications, including Excel, PowerPoint, and Word.
- Strong project management and organizational skills with a proven ability to build relationships, influence stakeholders, and collaborate effectively across all levels of the organization.

Desired Qualifications

- 4+ years of experience leveraging SQL, SAS, DB2, or similar technologies to access, transform, and analyze large-scale relational datasets.
- Expertise in identifying, assessing, and mitigating risk through analytical models, with a strong understanding of model governance, model risk management principles, and applicable regulatory frameworks.
- Experience developing, managing, or supporting credit risk, fraud, or underwriting strategies within consumer and/or small business lending environments.
- Demonstrated analytical experience supporting consumer or small business lending decisions through the application of predictive models, risk segmentation techniques, and scoring frameworks.
- Strong understanding of consumer credit policies, underwriting practices, and risk management proc

📌 Consumer Product Strategy Analyst IV (Guillermo Hudson)
🏢 Bank of America
📍 Guillermo Hudson