Credit Risk Analyst I

USAA • Plano, TX

3d • Remote

About The Position

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity Employer: USAA Federal Savings Bank Tasks: Apply 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. Apply critical thinking skills to synthesize analyses, identify root causes, and develop clear and 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 effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key stakeholders and leadership. Analyze internal and external scores/data for use in identifying first party fraud. Apply industry knowledge and competitive benchmarking to inform credit strategy development. Utilize advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems. Develop, manage, and present comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalate the quality and direction of credit performance to appropriate levels of management. Design and perform complex financial risk sensitivity analysis. Create and manage credit strategy infrastructure and ensure credit strategies are implemented as intended. Apply expert programming and analytical techniques to analyze credit data. Provide thought leadership, coaching, and mentoring to team members regarding analytics and risk management. Collaborate with key stakeholders to guide and facilitate teams in the development and implementation of key initiatives. Utilize analytically derived insights to develop strategic plans with significant impact to business results. Coach and mentor other analysts and serves 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 and procedures. May telecommute.

Requirements

• Will accept a Bachelor’s degree in Data Analytics, Business Management, Finance, Economics, Engineering, Mathematics or related field and 4 years of experience in the job offered or in a related occupation.
• Alternatively, will accept a Master’s degree in Data Analytics, Business Management, Finance, Economics, Engineering, Mathematics or related field and 2 years of experience in the job offered or in a related occupation.
• Unsecured loans consumer-lending industry experience
• Manipulating, analyzing and forming insights on both credit bureau and internal data to develop, implement, and monitor risk strategy using programming languages such as SAS, SQL, Python and data visualization tools (Tableau)
• Developing, implementing, and monitoring risk strategy, leveraging credit bureau and other internal data
• Data modeling and risk management
• Microsoft Office products: Excel, Word, and PowerPoint
• SQL and Python for data segmentation and aggregation
• Snowflake and Extract Transform Load (ETL) process using SQL
• Designing statistics tests, interpret statistic metrics, machine learning algorithms like decision trees, and model metrics (table and Kolmogorov-Smirnov)
• Data analysis and data manipulation

Responsibilities

• Apply 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.
• Apply critical thinking skills to synthesize analyses, identify root causes, and develop clear and 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 effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key stakeholders and leadership.
• Analyze internal and external scores/data for use in identifying first party fraud.
• Apply industry knowledge and competitive benchmarking to inform credit strategy development.
• Utilize advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems.
• Develop, manage, and present comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalate the quality and direction of credit performance to appropriate levels of management.
• Design and perform complex financial risk sensitivity analysis.
• Create and manage credit strategy infrastructure and ensure credit strategies are implemented as intended.
• Apply expert programming and analytical techniques to analyze credit data.
• Provide thought leadership, coaching, and mentoring to team members regarding analytics and risk management.
• Collaborate with key stakeholders to guide and facilitate teams in the development and implementation of key initiatives.
• Utilize analytically derived insights to develop strategic plans with significant impact to business results.
• Coach and mentor other analysts and serves 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 and procedures.

Benefits

• At USAA our 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), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs.
• Additionally, our career path planning and continuing education assists employees with their professional goals.
• For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level