USAA - San Antonio, TX
posted 6 months ago
At USAA, we are on a mission to facilitate the financial security of millions of U.S. military members and their families. We are seeking a dedicated Senior Credit Risk Analyst who will utilize quantitative methods to develop and deliver credit line management strategies while monitoring credit strategy performance for consumer credit portfolios. This role is crucial in optimizing profitable growth within our risk appetite. The analyst will be responsible for mitigating operational and compliance risks inherent in credit strategy and will track both internal and external factors that impact credit strategy performance for bank portfolio products. In this senior position, you will apply industry-leading practices and analytical skills to identify risks and opportunities within the managed portfolio. You will translate your findings into strategic solutions that drive credit risk strategy development and influence senior decision-makers. Your role will involve partnering with various teams to deliver Bank credit risk strategies across lines of defense, developing and improving complex analytical frameworks, and clearly communicating insights and recommendations to key stakeholders and leadership. You will analyze internal and external scores and data to identify first-party fraud, apply industry knowledge and competitive benchmarking to inform credit strategy development, and utilize advanced quantitative analysis to bring structure and clarity to ambiguous problems. Additionally, you will develop, manage, and present comprehensive risk and financial reporting to support senior management and committee oversight of existing and emerging risks. This includes designing and performing complex financial risk sensitivity analysis and ensuring that credit strategies are implemented as intended. As a thought leader, you will provide coaching and mentoring to team members regarding analytics and risk management, collaborate with key stakeholders to guide teams in the development and implementation of key initiatives, and utilize analytically derived insights to develop strategic plans that significantly impact business results. You will also ensure that risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.