Credit Risk Analytics Manager Senior - Emerging Risk

USAA•San Antonio, TX

2d•Hybrid

About The Position

The Credit Risk Analytics Manager Senior – Emerging Risk will serve as a key Second Line of Defense partner focused on identifying and assessing emerging risks across consumer lending, deposits, real estate, and debt solutions portfolios. This individual will monitor economic, regulatory, industry, and market trends to understand potential impacts on customer behavior, portfolio performance, and overall risk exposure, while providing forward-looking insights that support business and risk management decisions. The ideal candidate combines strong analytical skills with the ability to clearly communicate complex risk issues to senior leaders. They will leverage data, scenario analysis, and portfolio performance trends to identify emerging risks, challenge business assumptions, and recommend proactive risk mitigation strategies. Success in this role requires the ability to turn uncertainty into actionable insights that support profitable growth, sound risk management, and alignment with the organization's risk appetite. 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 in Business Management, Finance, Economics, Engineering, or Mathematics; OR 4 years of relevant education and/or experience.
6 years experience in an analytical field or work focused on leading risk management execution, assessments or advanced analytics OR 4 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 industry leading risk management execution, advanced analytics, and risk assessments.
2 years prior analytical experience in a financial services or highly regulated environment.
Experience developing and maintaining analytical reporting.
Experience applying critical thinking skills to support successful performance outcomes.
Demonstrated awareness of relevant laws, rules and regulations, such as guidance and requirements associated with OCC Heightened Standards.
Strong knowledge of current analytical coding languages such as Python, SAS, or SQL.

Nice To Haves

Demonstrated ability to assess how evolving economic, industry, regulatory, and geopolitical conditions may influence consumer lending portfolios, customer behavior, and portfolio performance.
Strong understanding of macroeconomic indicators, market trends, and external risk drivers, with experience synthesizing complex information into actionable risk insights and implications for business strategy.
Proven ability to identify, evaluate, and communicate emerging risks and opportunities in ambiguous environments, including developing forward-looking risk assessments and scenario-based analyses.
Experience presenting complex analytical findings and risk perspectives to senior executives, risk committees, or business leaders, with the ability to translate technical concepts into clear, concise, decision-oriented recommendations.
US military experience through military service or a military spouse/domestic partner

Responsibilities

Applies industry leading practices and analytical rigor to manage and assess risks and opportunities across the Bank's consumer portfolios and translates results into strategic solutions.
Partners to deliver on Bank strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating information and insights to key stakeholders and leadership.
Applies industry knowledge to develop advanced and nuanced quantitative analysis utilizing extensive internal and external data sources to bring structure and clarity to ambiguous and challenging problems.
Challenges risk proposals in designated risk area of credit, market, operations, product, or strategic,,) through detailed research and vetting, leveraging banking product, regulatory and industry knowledge, and critical thinking skills to ensure strong portfolio performance outcomes.
Designs, builds, and may assist in maintaining effective risk management frameworks that enable identification, measurement, and mitigation of risk in a complex environment.
Develops and oversees comprehensive risk reporting in support of management and committee oversight of existing and emerging risks.
Designs complex financial risk sensitivity analysis.
Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.
May execute or implement advanced 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.