Bank Credit Risk Analyst Lead - Retail Banking

USAA•San Antonio, NC

2d•$164,780 - $314,960•Remote

About The Position

USAA is hiring a Bank Credit Risk Analyst Lead to develop and manage credit risk strategies for card, consumer, and deposit credit portfolios, supporting profitable growth within the organization’s risk appetite. The role uses quantitative analysis to identify credit risk, develop and deliver strategies, and monitor portfolio performance and internal and external factors that may affect exposure. The incumbent owns and drives mitigation of operational and compliance risks inherent in credit strategy, and may have responsibility for quantitative model ownership and related requirements or infrastructure. The analyst leads complex analyses, develops risk and financial reporting for senior management and committee oversight, and communicates recommendations to stakeholders and senior leaders. The role also leads the design and execution of financial risk sensitivity analyses, manages credit strategy infrastructure, and ensures strategies are implemented as intended. It includes providing thought leadership, coaching and mentoring analysts, and collaborating with stakeholders on key initiatives. The position is remote-eligible in the continental United States, with occasional business travel. Employees residing within 60 miles of a USAA office are expected to work on-site four days per week. The salary range is $164,780–$314,960, with actual salary varying by location and experience. Employees may be eligible for performance-based incentives. USAA does not provide visa sponsorship for this role.

Requirements

Bachelor’s degree, or four years of relevant education and/or experience.
Eight years of experience in an analytical field, leading analytical projects, advanced analytics and risk assessments, or analyzing and interpreting complex bank credit risk data; alternatively, an advanced degree in Business Management, Finance, Economics, Engineering, or a mathematical discipline and six years of relevant experience.
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 sound judgment in problem-solving.
Experience influencing cross-functional stakeholders through communication of complex analytical insights and risk-mitigating solutions.
Experience developing and improving risk-related reporting.
Experience coaching and guiding peers on analytics and/or risk management.
Advanced knowledge of Microsoft Office, particularly Excel, Word, and PowerPoint.
Advanced knowledge of data analysis tools and the ability to develop queries and procedures in SQL, SAS, or other business intelligence and analysis software for data segmentation, aggregation, and statistics.
Knowledge of applicable federal laws, regulations, and guidance, including FCRA, Regulation B, UDAAP/UDAP, OCC Heightened Standards, and OCC credit risk guidance.

Nice To Haves

Ability to develop and communicate data-driven credit strategy recommendations and complex analytical findings to senior leaders and diverse stakeholders, including Credit Risk, Pricing, Product, Legal, Compliance, Underwriting, and Operations.
Experience translating internal and external industry data into actionable credit and business insights and strategic recommendations.
Expertise designing and executing credit strategy experiments, such as A/B testing, champion/challenger frameworks, and other causal evaluation methods, and using results to optimize portfolio performance.
Six or more years using SAS, SQL, and other analytical programming languages such as Python to extract, transform, and analyze large datasets; integrate multiple data sources; manage differing levels of granularity; resolve data quality issues; and perform advanced joins.
Experience using AI and LLM-based tools, such as GPT-powered copilots, to improve coding productivity, accelerate analytics, and develop intelligent agents or automation supporting risk assessment and strategic decisions.
Experience identifying and addressing emerging or ambiguous risk challenges with limited historical precedent, including credit impacts related to macroeconomic conditions and policy developments.
Track record managing portfolio-level credit performance, identifying risk and growth opportunities, and influencing strategy with senior leaders to achieve sustainable business and risk outcomes.
Experience owning end-to-end credit strategy development, implementation, monitoring, and performance optimization across customer segments and lending products.
Ability to lead, mentor, and develop junior analysts and elevate team capabilities across complex credit initiatives.
Ability to lead multiple high-priority initiatives independently, navigate ambiguity, and deliver high-quality recommendations with limited direction.

Responsibilities

Identify risks and opportunities in managed portfolios and translate findings into credit risk strategies and strategic solutions.
Lead analyses, identify root causes, and develop clear recommendations to inform credit risk strategy and influence senior decision-makers.
Develop and improve analytical frameworks; analyze data and processes; and communicate insights and recommendations to stakeholders and senior leadership.
Analyze internal and external scores and data to identify first-party fraud.
Use industry knowledge and competitive benchmarking to inform credit strategy development.
Lead advanced quantitative analyses using internal and external data to address ambiguous and challenging problems.
Develop, manage, and present comprehensive risk and financial reporting for senior management and committee oversight; escalate credit performance concerns appropriately.
Lead the design and execution of complex financial risk sensitivity analyses.
Create and manage credit strategy infrastructure and ensure strategies are implemented as intended.
Apply programming and analytical techniques to analyze credit data.
Provide thought leadership, coaching, and mentoring to team members on analytics and risk management.
Collaborate with stakeholders to guide teams in developing and implementing key initiatives.
Lead and coach analysts in developing analytically derived insights and strategic plans with business impact.
Potentially own models and drive accountability for quantitative model requirements and implementation of advanced credit or financial modeling infrastructure.
Ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
Own and drive mitigation of operational and compliance risks inherent in credit strategy.
Track and monitor credit strategy performance and internal and external factors affecting bank portfolio products.