USAA
Bank Credit Risk Analyst Senior - Retail Banking
USAA, Plano, Texas, us, 75086
Why USAA?
Let’s do something that really matters.
At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.
We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!
The Opportunity
As a dedicated Bank Credit Risk Analyst Senior, you will be using quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Owns mitigation of operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.
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, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC or Tampa, FL. Relocation assistance is not available for this position.
What you'll do:
Applies industry leading practices and analytical skills to identify risks and opportunities within the handled portfolio and translates results into strategic solutions with the delivery of credit risk strategies.
Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.
Partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key partners and leadership.
Analyzes internal and external scores/data for use in identifying first party fraud.
Applies industry knowledge and driven benchmarking to advise credit strategy development.
Uses advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and exciting problems.
Develops, handles, and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.
Designs and performs complex financial risk sensitivity analysis.
Builds and handles credit strategy infrastructure and ensures credit strategies are implemented as intended.
Applies expert programming and analytical techniques to analyze credit data.
Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.
Collaborates with key partners to guide & facilitate teams in the development and implementation of key initiatives.
Applies analytically derived insights to develop strategic plans with significant impact to business results.
Coaches and mentors other analysts and acts as a leader with vision within the analyst community.
Ensures risks associated with business activities are optimally identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
What you have:
Bachelor’s degree in Business Management, Finance, Economics, Engineering, or in a Mathematical field; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area and 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data.
Experience in financial analysis activities to support risk strategy.
Strong understanding of banking regulations, risk, and/or compliance.
Advanced presentation and communication skills.
Advanced eye for business and attention to detail and accuracy.
Advanced research and investigation skills and demonstrated good judgement in problem solving.
Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
Advanced knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics (E.g., SPS or Visual Basic).
Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.
What sets you apart:
6+ years of experience with Python, SAS, or SQL to assemble and analyze data; including aggregation from multiple sources, working with different grains of data, identifying, and resolving anomalies, and using sophisticated joins to prepare data for analysis.
6+ years of experience of credit risk management and analytical projects for consumer lending products, preferably with experience in data driven strategy creation and decision making.
Experience with credit card origination credit strategy, or valuation (NPV) model for consumer lending products.
Experience working with cross functional partners and key collaborators to build consensus and drive initiatives.
Strong written and verbal communication skills with ability to translate analysis results into clear insights and actions.
US military experience through military service or a military spouse/domestic partner.
The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.
What we offer:
Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $120,550 - $230,400 .
Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.
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, please visit our benefits page on USAAjobs.com.
Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.
USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
If you are an existing USAA employee, please use the internal career site in OneSource to apply.
Please do not type your first and last name in all caps.
Find your purpose. Join our mission.
USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.
USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.
USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.
California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static_assets/Media/enterprise_hr_cpra_notice_at_collection.pdf) here.
USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.
Let’s do something that really matters.
At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.
We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!
The Opportunity
As a dedicated Bank Credit Risk Analyst Senior, you will be using quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Owns mitigation of operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.
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, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC or Tampa, FL. Relocation assistance is not available for this position.
What you'll do:
Applies industry leading practices and analytical skills to identify risks and opportunities within the handled portfolio and translates results into strategic solutions with the delivery of credit risk strategies.
Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.
Partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key partners and leadership.
Analyzes internal and external scores/data for use in identifying first party fraud.
Applies industry knowledge and driven benchmarking to advise credit strategy development.
Uses advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and exciting problems.
Develops, handles, and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.
Designs and performs complex financial risk sensitivity analysis.
Builds and handles credit strategy infrastructure and ensures credit strategies are implemented as intended.
Applies expert programming and analytical techniques to analyze credit data.
Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.
Collaborates with key partners to guide & facilitate teams in the development and implementation of key initiatives.
Applies analytically derived insights to develop strategic plans with significant impact to business results.
Coaches and mentors other analysts and acts as a leader with vision within the analyst community.
Ensures risks associated with business activities are optimally identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
What you have:
Bachelor’s degree in Business Management, Finance, Economics, Engineering, or in a Mathematical field; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area and 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data.
Experience in financial analysis activities to support risk strategy.
Strong understanding of banking regulations, risk, and/or compliance.
Advanced presentation and communication skills.
Advanced eye for business and attention to detail and accuracy.
Advanced research and investigation skills and demonstrated good judgement in problem solving.
Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
Advanced knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics (E.g., SPS or Visual Basic).
Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.
What sets you apart:
6+ years of experience with Python, SAS, or SQL to assemble and analyze data; including aggregation from multiple sources, working with different grains of data, identifying, and resolving anomalies, and using sophisticated joins to prepare data for analysis.
6+ years of experience of credit risk management and analytical projects for consumer lending products, preferably with experience in data driven strategy creation and decision making.
Experience with credit card origination credit strategy, or valuation (NPV) model for consumer lending products.
Experience working with cross functional partners and key collaborators to build consensus and drive initiatives.
Strong written and verbal communication skills with ability to translate analysis results into clear insights and actions.
US military experience through military service or a military spouse/domestic partner.
The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.
What we offer:
Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $120,550 - $230,400 .
Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.
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, please visit our benefits page on USAAjobs.com.
Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.
USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
If you are an existing USAA employee, please use the internal career site in OneSource to apply.
Please do not type your first and last name in all caps.
Find your purpose. Join our mission.
USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.
USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.
USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.
California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static_assets/Media/enterprise_hr_cpra_notice_at_collection.pdf) here.
USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.