Credit Risk Analytics Manager Senior - Emerging Risk

USAA•San Antonio, TX

23h•$127,310 - $243,340•Hybrid

About The Position

The Credit Risk Analytics Manager Senior – Emerging Risk serves as a key Second Line of Defense partner, identifying and assessing emerging risks across consumer lending, deposits, real estate, and debt solutions portfolios. The role monitors economic, regulatory, industry, and market trends to assess potential effects on customer behavior, portfolio performance, and overall risk exposure, and provides forward-looking insights to support business and risk management decisions. The position uses data, scenario analysis, and portfolio performance trends to identify emerging risks, challenge business assumptions, and recommend proactive mitigation strategies. It translates uncertainty into actionable insights that support profitable growth, sound risk management, and alignment with the organization's risk appetite. The role requires office attendance four days per week and may be based in San Antonio, Texas, or Plano, Texas. Relocation assistance is not available.

Requirements

Bachelor's degree in Business Management, Finance, Economics, Engineering, or Mathematics; or four years of relevant education and/or experience.
Six years of experience in an analytical field or work focused on leading risk management execution, assessments, or advanced analytics; or four years of relevant experience 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.
Two years of prior analytical experience in financial services or a highly regulated environment.
Experience developing and maintaining analytical reporting.
Experience applying critical thinking skills to support successful performance outcomes.
Awareness of relevant laws, rules, and regulations, including OCC Heightened Standards guidance and requirements.
Strong knowledge of current analytical coding languages such as Python, SAS, or SQL.

Nice To Haves

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 business strategy implications.
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, and translating technical concepts into clear, concise, decision-oriented recommendations.
US military experience through military service or as a military spouse/domestic partner.

Responsibilities

Apply industry-leading practices and analytical rigor to manage and assess risks and opportunities across the Bank's consumer portfolios, translating results into strategic solutions.
Partner across lines of defense to deliver on Bank strategies by developing and improving complex analytical frameworks, analyzing data and processes, and communicating insights to stakeholders and leadership.
Use industry knowledge and internal and external data sources to develop advanced quantitative analyses and bring clarity to ambiguous problems.
Challenge risk proposals in designated areas, including credit, market, operations, product, or strategic risk, through research and vetting informed by banking product, regulatory, and industry knowledge.
Design, build, and potentially maintain risk management frameworks that support risk identification, measurement, and mitigation.
Develop and oversee comprehensive risk reporting for management and committee oversight of existing and emerging risks.
Design complex financial risk sensitivity analyses.
Provide thought leadership, coaching, and mentoring to team members in analytics and risk management.
May execute or implement advanced credit and/or financial modeling infrastructure.
Ensure business-related risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Benefits

Comprehensive medical plans
Dental plans
Vision plans
401(k)
Pension
Life insurance
Parental benefits
Adoption assistance
Paid time off program
Paid holidays
16 paid volunteer hours
Wellness programs
Career path planning
Continuing education
Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.