Senior Analyst, Credit Risk Strategy

About the Role

As a dedicated Bank Credit Risk Analyst Senior, you will leverage 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, track and monitor credit strategy performance, and assess external factors impacting credit risk exposure for bank portfolio products within the risk taxonomy. This role is remote eligible in the continental U.S. with occasional business travel. Individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.

Responsibilities

• Apply industry-leading practices and analytical skills to identify risks and opportunities within the managed portfolio, translating results into strategic solutions for credit risk strategies.
• Use critical thinking to synthesize analyses, identify root causes, and develop clear, 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 developing and improving complex analytical frameworks, analyzing data and processes, and communicating insights to key stakeholders and leadership.
• Analyze internal and external scores/data to identify first-party fraud.
• Apply industry knowledge and competitive benchmarking to inform credit strategy development.
• Utilize advanced quantitative analysis based on internal and external data to bring structure and clarity to ambiguous problems.
• Develop, manage, and present comprehensive risk and financial reporting to support senior management and committee oversight of existing and emerging risks, escalating credit performance as needed.
• Design and perform complex financial risk sensitivity analysis.
• Create and manage credit strategy infrastructure, ensuring strategies are implemented as intended.
• Apply expert programming and analytical techniques to analyze credit data.
• Provide thought leadership, coaching, and mentoring to team members on analytics and risk management.
• Collaborate with key stakeholders to guide and facilitate teams in developing and implementing key initiatives.
• Utilize analytically derived insights to develop strategic plans with significant business impact.
• Coach and mentor other analysts, acting as a thought leader within the analyst community.
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies.

Requirements

• Bachelor’s degree in Business Management, Finance, Economics, Engineering, or a Mathematical discipline; OR 4 years of related experience (in addition to the minimum years of experience required) may substitute for the 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 a Mathematical discipline and 4 years’ experience in an analytical field or similar focus.
• 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 with attention to detail and accuracy.
• Advanced research and investigation skills, demonstrating sound judgment 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 (e.g., SPSS or Visual Basic).
• Knowledge of federal laws, rules, regulations, and applicable guidance, including FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, and OCC Credit Risk Guidance.

Qualifications

• 6+ years of experience with consumer credit risk analytics, focusing on card, auto, personal loans, deposits, and other consumer loan credit strategy development, implementation, and monitoring.
• Experience preparing and communicating credit strategy recommendations and results of complex analysis to senior leadership and partners such as 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 data grains, resolving anomalies, and performing sophisticated joins to prepare data for analysis.
• Experience crafting tests (e.g., A/B tests) and evaluating outcomes to continuously guide and optimize the 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 and alternate data sources (e.g., LexisNexis).

Benefits

At USAA, 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) and pension plans.
• Life insurance.
• Parental benefits and adoption assistance.
• Paid time off program with paid holidays plus 16 paid volunteer hours.
• Various wellness programs.
• Career path planning and continuing education to assist with professional goals.

Pay

The salary range for this position is $127,310.00 - $243,340.00. Employees may be eligible for pay incentives based on overall corporate and individual performance at the discretion of the USAA Board of Directors. The actual salary for this role may vary by location.

USAA does not provide visa sponsorship for this role.