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Senior Analyst, Credit Risk Strategy

$127.31k - $243.34k

USAA

Plano Legacy

Tampa Campus

Charlotte, NC - CENTS

Colorado Springs Campus

Phoenix Campus (Main)

San Antonio Home Office II/III

Full time

R0119836

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 analyticswith 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, Underwriting and Operations.

  • Experience delivering business insights and recommendations through internal and industry data analysis.

  • 6+ years of experience with SAS or SQL to gather and analyze data; including aggregation from multiple sources, working with different grains of data, resolving anomalies, and demonstrating sophisticated joins to prepare data for analysis.

  • Experience crafting tests (e.g. A/B test) and evaluating outcomes to continuously guide and optimize risk reward framework.

  • Experience driving multiple analytics projects and strategies forward with limited guidance.

  • Experience optimizing underwriting criteria using statistical models and analysis of traditional and alternative credit data to drive risk-adjusted growth.

  • Experience working with Experian Sandbox, alternate data sources e.g. Lexis Nexis

Compensation range: The salary range for this position is: $127,310.00 - $243,340.00 .

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

If you are an existing USAA employee, please use the internal career site in OneSource to apply.

Please do not type your first and last name in all caps.

Find your purpose. Join our mission.

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection ( here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

Vacancy posted 1 day ago
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