Data Analyst

Job#: 3033698

Job Description:

This Data Analytics role is responsible for designing, implementing, and monitoring data-driven analytical tools and insights that support the acquisitions and collections lifecycle within Risk Management. The position focuses on transforming complex data into actionable insights that inform credit strategy, collections effectiveness, recovery performance, and pricing decisions.

The role applies strong analytical, statistical, and quantitative techniques-leveraging SQL, advanced analytics tools, and emerging machine-learning methods-to solve business problems aligned with risk management objectives. The Data Analyst partners closely with cross-functional stakeholders and global Risk teams to ensure best practices are followed in scoring, pricing, and performance monitoring, while also supporting governance and compliance activities, including internal control requirements where applicable.
Key Responsibilities
Data Analysis & Insight Generation

• Perform in-depth quantitative and analytical analysis using advanced techniques such as segmentation, pattern recognition, trend analysis, text mining, and supervised or unsupervised modeling.
• Analyze large, multi-source datasets to uncover insights related to credit risk, customer behavior, collections performance, and recovery outcomes.
• Translate analytical findings into clear, actionable recommendations that support risk-based acquisition, collection, and recovery strategies.

Data Preparation & Validation

• Extract, cleanse, validate, and transform data to support ad-hoc analysis, recurring reporting, and analytical model inputs.
• Ensure data quality, consistency, and accuracy across multiple internal and external data sources.

Business Partnership & Consulting

• Serve as a trusted, data-driven advisor to internal business partners, supporting strategic and operational decision-making through evidence-based insights.
• Communicate complex analytical concepts and results clearly to both technical and non-technical stakeholders, including leadership.

Model Support & Monitoring

• Support the development, testing, implementation, documentation, and ongoing monitoring of internally developed analytics and machine-learning models in accordance with established policies and governance standards.
• Produce and maintain quarterly performance and monitoring reports for risk, collections, and recovery models, tracking accuracy, stability, and business impact.

Vendor & External Model Oversight

• Partner with external vendors to evaluate, test, implement, and monitor third-party scoring models and analytical solutions.
• Assist with vendor performance monitoring, documentation, and quarterly compliance reporting.

Continuous Improvement & Innovation

• Stay current with emerging analytics tools, methodologies, and technologies, assessing their applicability to risk analytics use cases.
• Contribute to the continuous improvement of analytics processes, reporting, and tooling within Risk Management.

Required Skills & Qualifications

• Strong analytical, quantitative, or technical finance background with working knowledge of risk management concepts; experience in automotive or financial services is strongly preferred.
• Advanced proficiency in SQL and relational databases; experience with SAS or similar analytical tools is highly desirable.
• Experience using Python and applying analytical or machine-learning techniques for risk, collections, or recovery analytics is a plus.
• Solid understanding of data validation, statistical analysis, and performance monitoring.
• Strong written and verbal communication skills, with the ability to convey analytical insights to diverse audiences.
• Demonstrated experience collaborating on cross-functional or cross-departmental initiatives.
• Familiarity with credit decision engines, scorecards, or model governance frameworks is highly desirable.

EEO Employer

Apex Systems is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of race, color, religion, creed, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), age, sexual orientation, gender identity, national origin, ancestry, citizenship, genetic information, registered domestic partner status, marital status, disability, status as a crime victim, protected veteran status, political affiliation, union membership, or any other characteristic protected by law. Apex will consider qualified applicants with criminal histories in a manner consistent with the requirements of applicable law. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation in using our website for a search or application, please contact our Employee Services Department at or .

Everforth Apex is a world-class IT services company that serves thousands of clients across the globe. When you join Everforth Apex, you become part of a team that values innovation, collaboration, and continuous learning. We offer quality career resources, training, certifications, development opportunities, and a comprehensive benefits package. Our commitment to excellence is reflected in many awards, including ClearlyRated's Best of Staffing in Talent Satisfaction in the United States and Great Place to Work in the United Kingdom and Mexico. Everforth Apex uses a virtual recruiter as part of the application process. Click for more details.

Everforth Apex Benefits Overview: Everforth Apex offers a range of supplemental benefits, including medical, dental, vision, life, disability, and other insurance plans that offer an optional layer of financial protection. We offer an ESPP (employee stock purchase program) and a 401K program which allows you to contribute typically within 30 days of starting, with a company match after 12 months of tenure. Everforth Apex also offers a HSA (Health Savings Account on the HDHP plan), a SupportLinc Employee Assistance Program (EAP) with up to 8 free counseling sessions, a corporate discount savings program and other discounts. In terms of professional development, Everforth Apex hosts an on-demand training program, provides access to certification prep and a library of technical and leadership courses/books/seminars once you have 6+ months of tenure, and certification discounts and other perks to associations that include CompTIA and IIBA. Everforth Apex has a dedicated customer service team for our Consultants that can address questions around benefits and other resources, as well as a certified Career Coach. You can access a full list of our benefits, programs, support teams and resources within our 'Welcome Packet' as well, which an Everforth Apex team member can provide.