**About the Role:** Are you passionate about turning data into strategic insights that drive business decisions? We’re looking for a Consumer Lending Pricing and Portfolio Forecasting Analyst to join our Consumer Lending Strategy & Analytics team. In this high-impact role, you’ll serve as a trusted advisor to product leaders across our consumer lending portfolio—including credit cards, HELOCs, installment loans, and retail lines of credit. You’ll lead efforts in **forecasting, pricing strategy, and performance analysis** , helping shape the future of our lending products. This is more than just a numbers role—you’ll be influencing business strategy through data-driven recommendations and presenting your insights to senior stakeholders. **What You’ll Do:** + **Forecasting & Planning:** Develop and maintain forecasts for key consumer lending products. Support the annual business planning process and provide scenario modeling to guide strategic decisions. + **Strategic Analysis & Insights:** Conduct deep-dive analyses on product performance, marketing campaign effectiveness, and customer behavior. Translate findings into actionable recommendations for business leaders. + **Pricing Strategy:** Evaluate pricing scenarios and forecast the financial impact of proposed changes to product terms. Provide data-backed recommendations to optimize profitability and competitiveness. + **Business Partnership:** Act as a strategic partner to product line leaders, offering insights and guidance based on data trends and financial analysis. + **Data Extraction & Reporting:** Interact with various database software to extract, prepare and deploy information to end users in support of the reporting and analysis needs of the Product Management Team. + **Model Interpretation:** Work with existing financial models to inform business decisions. While you won’t build models from scratch, you’ll need to understand their key drivers and support ongoing model monitoring plans. **Education and Experience Required:** + Bachelor’s degree, or equivalent work experience + 4 or more years of related experience **Education and Experience Preferred:** + 4 or more years in business analysis, finance, or a related field (banking or financial services experience highly preferred) + Strong forecasting and financial analysis capabilities + Proficiency in Microsoft Suite of products and beginner level in data analysis skills such as SQL and business intelligence / data visualization tools + Experience working with consumer lending products (credit cards, HELOCs, installment loans, etc.) is a strong advantage + Ability to translate complex data into clear business recommendations + Familiarity with working alongside or within product teams is a plus + Ability to created exec ready presentations and communicate findings and recommendations **Working Model & Office Location:** + This is a hybrid position requiring 3 days in-office per week + Eligible candidates must live within commuting distance to 345 Main Street, Buffalo, NY 14203 **Why Join Us?** You’ll be part of a collaborative, forward-thinking team that values curiosity, creativity, and clarity. Your work will directly influence the strategies behind some of our most important consumer products. If you’re looking for a role where your analytical skills can make a real business impact, we’d love to hear from you. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $71,985.72 - $119,976.20 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Buffalo, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.