Senior Analyst, Credit Risk Strategy - Bank

USAA•San Antonio, NC

23h•Remote

About The Position

USAA is hiring a Senior Analyst, Credit Risk Strategy to develop and monitor credit strategies for bank portfolios, including card, consumer, and deposit products. The role uses quantitative analysis to identify credit risk and opportunities, support profitable growth within risk appetite, and manage operational and compliance risk inherent in credit strategies. The analyst tracks strategy performance and internal and external factors affecting credit risk exposure, and helps ensure business risks are identified, measured, monitored, and controlled in accordance with risk and compliance policies. This position 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 onsite 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 six 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 four 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 and 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 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, Reg B, UDAAP/UDAP, OCC Heightened Standards, and OCC Credit Risk Guidance.

Nice To Haves

At least six 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 portfolios.
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 six years of SAS or SQL experience gathering and analyzing data from multiple sources, working with different data grains, resolving anomalies, and using sophisticated joins to prepare data for analysis.
Experience designing tests such as A/B tests and evaluating outcomes to optimize risk-reward frameworks.
Experience advancing multiple analytics projects and strategies with limited guidance.
Experience optimizing underwriting criteria using statistical models and analysis of traditional and alternative credit data to support risk-adjusted growth.
Experience with Experian Sandbox and alternative data sources such as LexisNexis.

Responsibilities

Identify risks and opportunities within managed portfolios and translate analysis into credit risk strategies.
Synthesize analysis, identify root causes, and make clear recommendations to inform strategy development and senior decision-making.
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 quantitative analysis using internal and external data to address complex and ambiguous problems.
Develop, manage, and present risk and financial reporting for senior management and committee oversight; escalate credit-performance concerns as appropriate.
Design and perform complex financial risk sensitivity analysis.
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 analysts and team members.
Collaborate with stakeholders to guide teams in developing and implementing initiatives.
Use analytical insights to develop strategic plans with significant business impact.
Ensure risks associated with business activities are identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.