Senior Analyst, Credit Risk Strategy

About this role

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity As a dedicated Bank Credit Risk Analyst Senior, you will have a strong background in credit risk strategy development for   card, consumer and deposits credit portfolios   to optimize profitable growth within risk appetite. You will own operational and compliance risk inherent in credit strategy. Additionally, you will track and monitor credit strategy performance as well as external factors impacting the credit risk exposure for bank portfolio products within the risk taxonomy.   Credit Risk Analyst Seniors use quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Owns mitigation of operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.

What you'll do: • Apply industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies. • Apply critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers. • Partner to deliver bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key stakeholders and leadership. • Analyze internal and external scores/data for use in identifying first party fraud. • Apply industry knowledge and competitive benchmarking to inform credit strategy development. • Utilize advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems. • Develop, manage, and present comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management. • Design and perform complex financial risk sensitivity analysis. • Create and manage credit strategy infrastructure and ensures credit strategies are implemented as intended. • Apply expert programming and analytical techniques to analyze credit data. • Provide thought leadership, coaching, and mentoring to team members regarding analytics and risk management. • Collaborate with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives. • Utilize analytically derived insights to develop strategic plans with significant impact to business results. • Coach and mentor other analysts and acts as a thought leader within the analyst community. ​ • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have: • Bachelor’s degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. • Minimum 6 years’ experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 4 years’ experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data. • Experience in financial analysis activities to support risk strategy. • Strong understanding of banking regulations, risk, and/or compliance. • Advanced presentation and communication skills. • Advanced business acumen and attention to detail and accuracy. • Advanced research and investigation skills and demonstrated good judgement in problem solving. • Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint. • Advanced knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics (E.g., SPS or Visual Basic). • Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE. ​

What sets you apart: • 6+ years of experience with consumer credit risk analytics   with a focus on card, auto, personal loans, deposits and other  and consumer loans credit strategy development , implementation and monitoring. • Experience preparing and communicating credit strategy recommendations and results of complex analysis to senior leadership and a wide range of partners including but not limited to Credit risk reviewer, Pricing, Product, Legal, Compliance, Unde

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