Bank Credit Risk Analyst Lead - Retail Banking

USAA•Tampa, FL

3d•$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 deposits credit portfolios, supporting profitable growth within the organization’s risk appetite. The role applies quantitative methods to identify credit risk, develop and deliver strategies, monitor portfolio performance, and address operational and compliance risks inherent in credit strategy. It also tracks internal and external factors that may affect credit strategies and bank portfolio products. The position leads complex analyses, financial risk sensitivity analysis, reporting, and development of the infrastructure needed to implement credit strategies as intended. The analyst works across lines of defense and with stakeholders and senior leaders, communicates findings and recommendations, and provides leadership, coaching, and mentoring to analysts. Model ownership may be included. The role is remote eligible within 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.

Requirements

Bachelor's degree, or four years of relevant education and/or experience.
Eight years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments, or leading interpretation of complex bank credit risk data to align with team strategy; alternatively, an advanced degree in Business Management, Finance, Economics, Engineering, or a mathematical discipline and six years of such 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, with sound judgment in problem-solving.
Experience influencing cross-functional stakeholders through communication of complex analytical insights and risk-mitigation solutions.
Experience developing and improving risk-related reporting.
Experience coaching and guiding peers in analytics and/or risk management.
Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
Advanced knowledge of data analysis tools, including the ability to develop queries and procedures in SQL, SAS, or other business intelligence and analysis applications for data segmentation, aggregation, and statistics.
Knowledge of applicable federal laws, rules, regulations, and guidance, including FCRA, Reg 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 stakeholders across Credit Risk, Pricing, Product, Legal, Compliance, Underwriting, and Operations.
Extensive experience turning 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 risk-reward and portfolio performance.
Six or more years of experience 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 analytical workflows, and develop agents or automation supporting risk assessment and decision-making.
Track record of identifying and addressing emerging or ambiguous risk challenges with limited historical precedent, including credit impacts from macroeconomic conditions and policy developments.
Leadership in managing portfolio-level credit performance, identifying risk and growth opportunities, and partnering 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 while fostering collaboration and improving team capabilities.
Ability to independently lead multiple high-priority initiatives, navigate ambiguity, and deliver high-quality recommendations with limited direction.

Responsibilities

Identify risks and opportunities in managed portfolios and translate analytical findings into credit risk strategies.
Lead analyses, identify root causes, and make recommendations that inform credit risk strategy and senior decision-making.
Develop and improve analytical frameworks, analyze data and processes, and communicate insights across lines of defense 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 and influence credit strategy development.
Lead advanced quantitative analyses using internal and external data to address ambiguous and challenging problems.
Develop, manage, and present risk and financial reporting for senior management and committee oversight, escalating credit performance concerns as appropriate.
Design and execute 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 in analytics and risk management.
Collaborate with stakeholders to guide teams in developing and implementing key initiatives.
Lead and coach teams in developing analytically derived insights and strategic plans with significant business impact.
Coach and mentor analysts and serve as a thought leader in the analyst community.
Where applicable, own models and drive accountability for quantitative model requirements and advanced credit or financial modeling infrastructure.
Ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.