Bank Credit Risk Analyst Lead - Retail Banking

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 Lead Analyst, you will leverage advanced analytics to proactively identify and quantify emerging and non-traditional risks. You will translate ambiguous, forward-looking signals—including macroeconomic, policy, and industry shifts—into actionable strategies that optimize portfolio performance within risk appetite. This role partners cross-functionally to monitor evolving risk dynamics, inform strategic decision-making, and ensure effective mitigation of operational and compliance risks. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, or Tampa, FL. Relocation assistance is not available for this position. What you'll do: * Leverages, applies and shares 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. * Leverages banking product knowledge and critical thinking skills to lead analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers. * Leads and partners 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 senior leadership. * Leads the analysis of internal and external scores/data for use in identifying first party fraud. * Leverages industry knowledge and competitive benchmarking to lead, inform, and influence credit strategy development. * Proactively Identifies the need for and leads development of advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems. * Responsible for the development, management, and presentation of 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. * Leads the design and execution of complex financial risk sensitivity analysis. * Leads the creation and management of credit strategy infrastructure and ensures credit strategies are implemented as intended. * Applies expert programming and analytical techniques to analyze credit data. * Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management. * Collaborates with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives. * Leads and coaches team to develop analytically derived insights and the lead to strategic plans with significant impact to business results. * Coaches and mentors other analysts and acts as a thought leader within the analyst community. * May have model ownership responsibilities and drive accountability for quantitative model requirement definition and/or implementation of advanced credit and/or financial modeling infrastructure. * 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; OR 4 years of relevant education and/or experience. * 8 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments or leading the analysis and interpretation of complex bank credit risk data to align to team strategy; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments or leading the analysis and interpretation of complex bank credit risk data to align to team 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. * Experience influencing cross functional stakeholders to action by communicating complex analytical insights and risk mitigating solutions. * Experience developing and improving a variety of risk related reporting. * Experience coaching and guiding peers on analytics, and/or risk management. * 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: * Experience delivering actionable business insights and recommendations through analysis of internal and external/industry data. * 6+ years of experience using SAS or SQL to extract, manipulate, and analyze data, including aggregating across multiple sources, working with varying data grains, resolving data anomalies, and performing sophisticated joins to prepare high-quality analytical datasets. * Proven ability to prepare and communicate strategy recommendations and results of complex analyses to senior leadership and a broad set of stakeholders, including Credit Risk, Pricing, Product, Legal, Compliance, Underwriting, and Operations. * Demonstrated experience leveraging AI/LLM tools (e.g., GPT-based copilots or similar technologies) to enhance coding efficiency, accelerate analytics, and develop agents or automation solutions that support risk analysis and decision-making. * Strong track record in identifying and solving "white space" or emerging risk problems with limited historical precedent, including assessing credit impacts driven by macroeconomic and policy factors such as inflation, student loan repayment/collection changes, and federal government employment shifts. Compensation range: The salary range for this position is: $164,780 - $314,960 . 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.