Senior Analyst, Credit Risk Strategy - Bank

USAA • Tampa, FL

2d • $127,310 - $243,340 • Remote

About The Position

USAA is hiring a Bank Credit Risk Analyst Senior to develop credit risk strategies for card, consumer, and deposit portfolios, supporting profitable growth within risk appetite. The role uses quantitative methods to identify credit risk, develop and deliver strategies, and monitor credit performance. The analyst owns mitigation of operational and compliance risks inherent in credit strategies and tracks internal and external factors affecting bank portfolio products.

This role is remote-eligible in the continental United States, with occasional business travel. Employees who live within 60 miles of a USAA office are expected to work on-site four days per week. USAA does not provide visa sponsorship for this role.

Requirements

• Bachelor’s degree in Business Management, Finance, Economics, Engineering, or a mathematical discipline; alternatively, four additional years of related experience may substitute for the degree.
• At least 6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments, or bank credit risk data; alternatively, an advanced degree in a listed field and 4 years of relevant experience.
• Experience in financial analysis activities supporting risk strategy.
• Strong understanding of banking regulations, risk, and/or compliance.
• Advanced presentation and communication skills.
• Advanced business acumen and attention to detail and accuracy.
• Advanced research and investigation skills, with demonstrated sound judgment in problem solving.
• Advanced knowledge of Microsoft Office, particularly Excel, Word, and PowerPoint.
• Advanced knowledge of data analysis tools, including the ability to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software for data segmentation, aggregation, and statistics.
• Knowledge of applicable federal laws, rules, regulations, and guidance, including FCRA, Regulation B, UDAAP/UDAP, OCC Heightened Standards, and OCC Credit Risk Guidance.

Nice To Haves

• At least 6 years of consumer credit risk analytics experience focused on credit strategy development, implementation, and monitoring for card, auto, personal loan, deposit, or other consumer loan products.
• Experience preparing and communicating credit strategy recommendations and complex analysis results to senior leadership and partners such as credit risk reviewers, Pricing, Product, Legal, Compliance, Underwriting, and Operations.
• Experience delivering business insights and recommendations through internal and industry data analysis.
• At least 6 years of SAS or SQL experience gathering and analyzing data from multiple sources, working with different data grains, resolving anomalies, and using sophisticated joins.
• Experience designing tests such as A/B tests and evaluating outcomes to optimize the risk-reward framework.
• Experience driving multiple analytics projects and strategies forward with limited guidance.
• Experience optimizing underwriting criteria using statistical models and analysis of traditional and alternative credit data to drive risk-adjusted growth.
• Experience working with Experian Sandbox and alternative data sources such as LexisNexis.

Responsibilities

• Identify portfolio risks and opportunities, translate findings into strategic solutions, and deliver credit risk strategies.
• Synthesize analyses, identify root causes, and develop clear recommendations to guide strategy and influence senior decision makers.
• Partner across lines of defense to develop and improve analytical frameworks, analyze data and processes, and communicate insights to stakeholders and leadership.
• Analyze internal and external scores and data to identify first-party fraud.
• Use industry knowledge and competitive benchmarking to inform credit strategy development.
• Conduct advanced quantitative analyses using internal and external data to address ambiguous and challenging problems.
• Develop, manage, and present risk and financial reporting for senior management and committee oversight of existing and emerging risks, and escalate credit performance matters appropriately.
• Design and perform complex financial risk sensitivity analyses.
• Create and manage credit strategy infrastructure and ensure strategies are implemented as intended.
• Apply programming and analytical techniques to analyze credit data.
• Provide thought leadership, coaching, and mentoring to team members and other analysts in analytics and risk management.
• Collaborate with stakeholders to guide teams in developing and implementing key initiatives.
• Use analytical insights to develop strategic plans with significant business impact.
• Ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Benefits

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

What This Job Offers

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