Business Insights Analyst II (US)- Decision Science- Deposits

Work Location: Mount Laurel, New Jersey, United States of America Hours: 40 Pay Details: $76,290 - $125,260 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Analytics, Insights, & Artificial Intelligence Job Description: Department Overview The Finance – Decision Science team is dedicated to delivering new account profitability analytics for several US Consumer products. These analytics play a key role in evaluating marketing investments, business cases, and providing actionable insights that move the business forward. To achieve this, the team leverages strong foundations in data and automation, enabling highly segmented frameworks that support sophisticated analysis. Our group works closely with both business and marketing teams, collaborating to optimize campaigns and strategies that drive profitable growth . The Business Insights Analyst II is responsible for conducting analyses on curated and/or aggregated DataMart's in conjunction with deep business subject matter expertise, to generate relevant analytical insights for business issues and identify opportunities to drive business growth and value. Depth & Scope: Works independently as the senior analyst/subject matter expert and may coach and educate others Considered a subject matter expert within a given area Oversees and/or independently performs tasks from end-to-end Focuses on short to medium -term issues (e.g. monthly-quarterly) Education & Experience: Undergraduate degree or advanced technical degree preferred (e.g., math, physics, engineering, finance or computer science) Graduate's degree preferred with either progressive project work experience, or; 3+ year of relevant experience; higher degree education and research tenure can be counted Preferred Qualifications: Strong expertise in profitability analysis for consumer banking products, including deposit and lending portfolios. Strong analytical and problem-solving skills with the ability to translate data into meaningful business insights and recommendations. Experienced at financial analysis and financial model-building with strong technical skills (Excel, VB, Power BI) Some coding a plus: SAS, SQL, PySpark, Python Hands on experience with Microsoft co-pilot Customer Accountabilities: Applies understanding of respective business knowledge and strategies to produce relevant and meaningful analysis and materials to support the creation and maturation of business goals and objectives Develops analysis and proper visualization or presentation to illustrate business trends and identify areas of business opportunities Produces insights and recommends business actions to support business strategy and/or solve business problems Works in partnership with various functional areas to provide day-to-day support and delivery of analytics Executes on data requests accurately and within a timely manner Represents functional area as an analytics & insights professional and key resource Acts as a bridge to translate business requirements to analytics and reporting needs for a given domain while leveraging tools/techniques/methods that can be easily interpreted by the target audience Provides day-to-day support and delivery of analytics insights and collateral Contributes to the identification of key performance indicators Shareholder Accountabilities: Provides suggestions, ideas, and opportunities to support business needs Identifies opportunities for business/revenue growth and/or efficiencies for an assigned business or function Identifies and investigates data/analytics related issues Ensures data analysis and insights are reviewed to validate accuracy and minimize any potential errors Develops analysis to corroborate initial proof of concept May be required to educate/train business users on how to integrate analytics into decisions Provides recommendations on financial/monetization goals to deliver on (e.g. quantify functional value, cost savings and revenue generated etc.) Builds business requirements and facilitates project execution to develop insights Utilizes quantitative and qualitative methodologies to interpret and present data effectively and clearly Is knowledgeable of practices and procedures within own area of responsibility and keeps abreast of emerging trends for own functional area Protects the interests of the organization – identifies and manages risks, and escalates non-standard, high-risk activities as necessary Conducts internal and external research projects; supports the development/delivery of presentations/communications to management or broader audience Adheres to internal policies/procedures and applicable regulatory guidelines Keeps abreast of emerging issues, trends, and evolving regulatory requirements and assesses potential impacts Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite May lead work streams by acting as a project lead/subject matter expert for small scale projects/initiatives in accordance with project management methodologies Employee/Team Accountabilities: Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest Provides thought leadership and/or industry knowledge for own area of expertise in own area and participates in knowledge transfer within the team and business unit Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques Participates in personal performance management and development activities, including cross training within own team Keeps others informed and up to date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities Contributes to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices Leads, motivates and develops relationships with internal and external business partners/stakeholders to develop productive working relationships Contributes to a fair, positive and equitable environment that supports a diverse workforce Acts as a brand ambassador for your business area/function and the bank, both internally and/or externally Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel – Occasional International Travel – Never Performing sedentary work – Continuous Performing multiple tasks – Continuous Operating standard office equipment - Continuous Responding quickly to sounds – Occasional Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Never Squatting – Occasional Bending – Occasional Kneeling – Never Crawling – Never Climbing – Never Reaching overhead – Never Reaching forward – Occasional Pushing – Never Pulling – Never Twisting – Never Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Continuous The ab