Bank Credit Risk Analyst Senior - Retail Banking

$120,550 - $230,400/Yr

USAA

Full-time - Senior

Credit Intermediation and Related Activities

About the position

The Bank Credit Risk Analyst Senior at USAA plays a crucial role in identifying and managing credit risk within consumer credit portfolios. This position utilizes quantitative methods to develop credit strategies, monitor performance, and ensure compliance with risk management policies. The analyst will collaborate with various teams to enhance credit risk strategies and provide insights to senior management, ultimately contributing to the financial security of U.S. military members and their families.

Responsibilities

• Identify credit risks and opportunities within consumer credit portfolios using quantitative methods.
• Develop and deliver credit strategies to optimize profitable growth within risk appetite.
• Monitor credit performance and mitigate operational and compliance risks associated with credit strategy.
• Analyze internal and external data to inform credit strategy development and performance tracking.
• Provide comprehensive risk and financial reporting to senior management and committees.
• Design and perform complex financial risk sensitivity analysis.
• Mentor and coach team members in analytics and risk management practices.
• Collaborate with cross-functional partners to implement key initiatives and drive consensus.

Requirements

• Bachelor's degree in Business Management, Finance, Economics, Engineering, or a Mathematical field; or 4 years of related experience may substitute for a degree.
• 6 years of experience in an analytical field focused on leading analytical projects, advanced analytics, or bank credit risk data; or an advanced degree with 4 years of relevant experience.
• Experience in financial analysis activities to support risk strategy.
• Strong understanding of banking regulations, risk, and compliance.
• Advanced presentation and communication skills.
• Proficient in Microsoft Office products, particularly Excel, Word, and PowerPoint.
• Advanced knowledge of data analysis tools including SQL, SAS, or other business intelligence software.

Nice-to-haves

• 6+ years of experience with Python, SAS, or SQL for data analysis.
• Experience in credit risk management for consumer lending products.
• Familiarity with credit card origination credit strategy or NPV models for consumer lending.
• Strong written and verbal communication skills, especially in translating analysis results into actionable insights.
• US military experience or connection through family.

Benefits

• Comprehensive medical, dental, and vision plans.
• 401(k) and pension plans.
• Life insurance and parental benefits.
• Adoption assistance.
• Paid time off program with paid holidays and 16 paid volunteer hours.
• Various wellness programs.
• Career path planning and continuing education support.