Credit Insights Leader

US Bank-posted 3 months ago
$170,255 - $200,300/Yr
Full-time • Senior
Minneapolis, MN
Credit Intermediation and Related Activities
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At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One. We are seeking a Credit Insights Leader within the Credit Transformation, Data Strategy and Insights team which is part of our Credit Risk Administration (CRA) team. We seek an experienced leader to oversee reporting resources, implement new technologies and tools, advance data modeling and analytics, promote and implement cloud scalable solutions, and strengthen data governance.

  • Lead a team to redesign and transform credit risk reporting processes, supporting portfolio risk managers and business lines.
  • Oversee an extensive inventory of wholesale and retail reports, ensuring operational excellence and regulatory compliance.
  • Lead the design and implementation of credit reporting strategy, including governance, new technology adoption, and modernization.
  • Oversee BAU reporting processes (i.e. Month and Quarter End Close), ensuring data quality, operational continuity, and regulatory compliance.
  • Drive the modernization of reporting platforms, integrating new technologies and automating processes using Power Apps, Power Automate, PowerBI, data models, and deployment pipelines.
  • Collaborate with Subject-Matter Experts in Credit Risk Management (CRM) to gather requirements, design data models, and implement robust validation and reconciliation controls.
  • Champion the satisfaction of report end-users by executing reliable, controlled, and scalable reporting processes.
  • Build strong relationships with internal customers and stakeholders, communicating vision and plans to analysts, risk managers, and senior leadership.
  • Support system conversions and cloud migration efforts, ensuring seamless integration and minimal disruption.
  • Leverage AI tools and platforms, including Microsoft Copilot, to enhance productivity, automate processes, and support reporting workflows.
  • Lead and mentor a team of reporting professionals, fostering innovation and continuous improvement.
  • Support global delivery efforts.
  • Ensure procedural documentation and strong controls to support third party reviews.
  • Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent work experience).
  • 10 or more years at a financial institution working in one or combination of reporting and information, decision science, credit portfolio, data management, data governance, data quality, or data analytics.
  • Extensive knowledge of credit risk data across commercial and retail lending portfolios.
  • 3 or more years of management experience (including leading multidisciplinary development teams).
  • Strong understanding of credit decisioning metrics such as credit score, loan-to-value, risk ratings, and debt service coverage ratio.
  • 10+ years of hands-on experience with programming languages such as Python, SQL and SAS.
  • Proficiency with big data technologies including Hadoop, Hive, and Spark.
  • Experience designing and implementing data lineage frameworks and enterprise data model architectures.
  • Familiarity with version control systems and collaborative development workflows like GitLab, GitHub.
  • Expertise in visual analytics tools such as Power BI, Tableau, or equivalent platforms.
  • Experience with Power Platform tools such as Power Automate and Power Apps.
  • Proven track record in automating and optimizing ETL processes at scale.
  • Working knowledge of SOX controls and quality assurance frameworks in financial services.
  • Experience building robust data controls, validation checks, and audit-ready reporting pipelines.
  • Strong familiarity with both Microsoft and Linux/UNIX environments.
  • Hands-on experience with cloud platforms (e.g., Azure, AWS, GCP) and cloud-native data services.
  • Excellent written and verbal communication skills for documenting technical processes and engaging with cross-functional teams.
  • Demonstrated ability to synthesize complex data analysis into actionable insights for senior management.
  • General knowledge of finance, banking, and accounting principles relevant to credit risk.
  • Experience supporting regulatory initiatives such as CCAR, CECL, DFAST, or Basel III.
  • Proven ability to work independently and collaboratively across multidisciplinary teams.
  • Strong project management skills and experience leading data-driven transformation initiatives.
  • Healthcare (medical, dental, vision)
  • Basic term and optional term life insurance
  • Short-term and long-term disability
  • Pregnancy disability and parental leave
  • 401(k) and employer-funded retirement plan
  • Paid vacation (from two to five weeks depending on salary grade and tenure)
  • Up to 11 paid holiday opportunities
  • Adoption assistance
  • Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
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