Bank Credit Risk Analyst Lead - Retail Banking

USAA•San Antonio, NC

4h•Hybrid

About The Position

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.

Requirements

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.

Nice To Haves

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.

Responsibilities

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.