Lead Analyst, Credit Risk Strategy

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful. We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

As a dedicated Bank Credit Risk Analyst Lead, you will have a strong background in credit risk strategy development for   card, consumer and deposits credit portfolios   to optimize profitable growth within risk appetite. You will own operational and compliance risk inherent in credit strategy. Additionally, you will track and monitor credit strategy performance as well as external factors impacting the credit risk exposure for bank portfolio products within the risk taxonomy. You will use 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. The incumbent will own and drive 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. This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.

Leverages, applies and shares industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies. Leverages banking product knowledge and critical thinking skills to lead analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers. Leads and 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 stakeholders and senior leadership. Leads the analysis of internal and external scores/data for use in identifying first party fraud. Leverages industry knowledge and competitive benchmarking to lead, inform, and influence credit strategy development. Proactively Identifies the need for and leads development of advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems. Responsible for the development, management, and presentation of 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. Leads the design and execution of complex financial risk sensitivity analysis. Leads the creation and management of 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 stakeholders to guide & facilitate teams in the development and implementation of key initiatives. Leads and coaches team to develop analytically derived insights and the lead to strategic plans with significant impact to business results. Coaches and mentors other analysts and acts as a thought leader