Credit Risk Analytics Manager I

USAA • San Antonio, TX

1d • Hybrid

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 As a Credit Risk Analytics Manager I, you will play a pivotal role in supporting the execution, maintenance, and enhancement of analytical models. You will be instrumental in complex data gathering and sophisticated analysis, contributing significantly to the preparation of Loss Forecasts and comprehensive risk management reports. This position offers the opportunity to apply and deepen your expertise in quantitative credit, financial analytics, and advanced predictive modeling techniques within a dynamic banking environment. You will collaborate closely with senior leadership and cross-functional teams to drive robust risk assessments, challenge existing strategies, and inform critical risk and strategy proposals. Join our high-performing team to lead key initiatives in risk analytics, mentor junior analysts, and make substantial contributions to the strategic financial health and risk management of the bank. 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 or Plano, TX. Relocation assistance is not available for this position.

Requirements

• Bachelor’s degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• 4 years experience in an analytical field or work focused on risk management execution, analytics or risk assessments; OR 2 years experience in an analytical field or focused on risk management execution, analytics or risk assessments with an advanced degree in a quantitative, scientific, engineering, business or technical field; OR an equivalent level of demonstrated competencies in leading risk management execution, advanced analytics, and risk assessments.
• Experience with data, code, or reporting tools.
• Experience communicating complex analytical insights to various stakeholders.
• Ability to apply critical thinking skills with various data to problem solve effectively.
• Experience driving results through collaboration.

Nice To Haves

• US military experience through military service or a military spouse/domestic partner.
• Advanced Technical Skills: Proficiency in at least one programming language such as SQL, Python or R.
• Data Analysis & Big Data: Proven ability to query, manipulate, and analyze large and complex datasets.
• Forecasting & Analytics: Strong understanding of forecasting methodologies and advanced analytical techniques.
• Communication & Presentation: Excellent written and verbal communication skills, with the ability to present complex findings clearly to both technical and non-technical audiences.
• Problem-Solving: Strong analytical and problem-solving skills with a strategic mindset.
• Proficiency in Microsoft Office: Advanced skills in Excel, PowerPoint, and other relevant tools.

Responsibilities

• Applies advanced analytical skills to assess risks and opportunities across multiple Bank consumer portfolios and translates results into strategic solutions.
• Assists in delivering Bank strategies across lines of defense by effectively developing and improving complex analytical frameworks, information, and insights to key stakeholders.
• Conducts and develops advanced quantitative analysis utilizing extensive internal and external data sources to bring structure to problems.
• Builds and may assist in maintaining effective risk management frameworks which can identify, measure, or mitigate risk.
• Develops and maintains comprehensive risk reporting in support of management and committee oversight of existing and emerging risks.
• May conduct effective challenge of credit, product, and/or risk proposals through detailed research and vetting, leveraging banking product, regulatory and industry knowledge, and critical thinking skills to support strong portfolio performance outcomes.
• May develop and/or execute complex financial risk sensitivity analysis.
• May execute or support implementation of 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.

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: Mid Level