Analytics Lead - Mortgage Default & Loss Mitigation

 

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

At U.S. Bank, we are committed to helping customers and businesses make smarter financial decisions while enabling meaningful growth across our organization. We are seeking an experienced Analytic Enabler Lead to support our Mortgage Default Analytics and Loss Mitigation within the Data Visualization & Production Reporting (DVPR) organization. This role serves as a strategic partner across business stakeholders, servicing operations, risk management, and analytics teams to drive data-informed decision-making across mortgage default servicing. The ideal candidate brings strong analytical leadership, deep mortgage servicing expertise, and the ability to enable scalable, enterprise analytics capabilities.

The Analytic Enabler Lead will help shape and execute analytics strategies across core default servicing domains, including: Customer and portfolio performance (delinquency trends, portfolio risk), loss mitigation and foreclosure prevention (program design, workout effectiveness) along with Operational and regulatory performance (servicing execution, investor and regulatory reporting).

This role requires working from one of the posted U.S. Bank locations three (3) or more days per week and does not support visa sponsorship.

Key Responsibilities

• Lead analytics enablement for Mortgage Default and Loss Mitigation, shaping scalable, insight-driven capabilities across servicing operations

• Mentor analysts and cross-functional partners on advanced analytics practices, self-service BI, and data literacy

• Serve as a strategic partner across servicing, compliance, risk, finance, and technology to prioritize high-impact analytics use cases

• Translate business needs into data products, leveraging tools such as Power BI, Databricks, SQL, Python, and Azure-based data platforms

• Design and drive adoption of KPIs, OKRs, dashboards, and performance frameworks (e.g., balanced scorecards, leading/lagging indicators)

• Establish and enforce data governance, lineage, and quality controls aligned to enterprise data management standards

• Deliver portfolio insights using core mortgage analytics concepts, including delinquency curves, roll rates, cure rates, modification performance, liquidation timelines, and severity analysis

• Partner with data engineering and BI teams to modernize data pipelines and enable scalable access through data lakes, semantic models, and automated reporting workflows

• Develop executive-level reporting and storytelling that translates complex analysis into clear, actionable decisions

• Identify operational inefficiencies using root cause analysis, process mining, and variance analysis, and recommend data-driven improvements

• Ensure analytics and reporting align with regulatory, investor (FNMA/FHLMC/Ginnie Mae), and internal governance frameworks

Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Eight or more years of data analysis experience with large data sets

Preferred Skills/Experience
- Experience in SQL/WebFOCUS or other BI tool for querying data and for data manipulation/transformation
- Experience in financial services, with thorough knowledge of HR systems or financial services products, customers, transactions and interaction data
- Strong analytic skills with the ability to extract, collect, organize, analyze and interpret results for insights
- Ability to data mine, analyze data, and present insights in a meaningful way
- Ability to develop and maintain strategic partnership with Senior Business unit management, business partners and project sponsors, as well as communicate effectively with business, and development teams, end users, and product owners
- Strong decision-making and problem-solving skills
- Strong organization and project management skills
- Effective interpersonal, verbal and written communication skills

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits: 

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $126,820.00 - $149,200.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.