Digital Federal Credit Union

Data Analyst

• Contributes advanced analytical expertise to solve a wide range of business challenges across the organization
• Conducts data exploration, modeling, and visualization to uncover insights, improve decision-making, and enhance the efficiency of data processes
• Translates business questions into analytical approaches, determining the data, methods, and tools needed to generate meaningful insights
• Performs data acquisition, preparation, cleansing, and validation to ensure accuracy and reliability of analytics outputs
• Conducts exploratory analyses, statistical evaluations, and data modeling to identify trends, patterns, risks, and opportunities
• Builds and maintains dashboards, reports, and visualizations that clearly communicate findings to diverse stakeholders
• Recommends improvements to data processes, contributing to increased automation, efficiency, and data quality
• Supports larger Data Science or advanced analytics initiatives by preparing datasets, running initial analyses, or developing foundational models
• Interprets and presents analytical results, highlighting impacts, drivers, and actionable recommendations
• Collaborates with cross-functional partners to refine requirements, validate assumptions, and ensure solutions meet business needs

Senior Data Analyst

Collections

• Under the general direction of the Collections Team Leader, the Repossession Coordinator is responsible for the day-to-day administration of the repossession and remarketing process.
• Call delinquent members to arrange for payments and work with vendors to ensure collateral is located and retrieved from members that are unwilling to pay.
• Resolve member delinquency and avoid repossession of collateral to minimize losses to DCU.
• Adhere to collection and repossession procedures according to established guidelines.
• Review accounts submitted for repossession and determine approval or denial according to business rules.
• Contact members prior to assigning an account for repossession to attempt to cure the delinquency.
• Assign repossessions to vendors timely and maintain documentation regarding repossession decisions and collateral.

Collections Team Member II – Repossession

Business Analyst

• Analyze credit portfolio performance across consumer and commercial portfolios, including credit quality, concentrations, migration trends, and loss performance
• Monitor and report on key credit risk indicators (KRIs/KPIs), identifying trends, emerging risks, and areas of concern
• Support the Allowance for Credit Losses (ACL) / CECL process, including data analysis, validation of assumptions, and review of outputs
• Perform stress testing and scenario analysis to evaluate potential impacts on portfolio performance, earnings, and capital
• Evaluate underwriting practices, portfolio strategies, and credit risk frameworks, providing insights and effective challenge where appropriate
• Support development of credit risk reporting, including materials for leadership, risk committees, and governance forums
• Analyze large data sets to generate actionable insights and support decision-making across credit risk functions
• Assist in maintaining and enhancing credit risk policies, procedures, and governance documentation
• Support credit model oversight and governance, including monitoring performance and identifying potential limitations in coordination with Model Risk Management
• Participate in regulatory exams, internal audits, and credit reviews, including preparation of analysis, documentation, and responses
• Partner with Finance, Lending, and Risk teams to support portfolio analysis, forecasting, and risk assessments
• Identify opportunities to improve credit risk analytics, reporting processes, and data quality
• Stay informed on regulatory expectations, industry trends, and emerging credit risks

Senior Credit Risk Management Analyst

• Responsible for the day-to-day oversight of a portfolio of active bankruptcy loans
• Track and organize member bankruptcy filings including completing and filing necessary legal documents
• Recommend strategies to be implemented on bankrupt accounts
• Work with members and bankruptcy trustees to determine/reaffirm account status
• Work with attorneys when necessary to resolve issues
• Attend bankruptcy hearings and other legal proceedings, representing DCU as required
• Stay current on bankruptcy laws and regulations
• Read and interpret all legal documents, motions, dockets, loan documents, etc.

Senior Data Analyst

Collections Team Member II – Repossession

Senior Credit Risk Management Analyst

Bankruptcy Collections Team Member I