Bank Credit Risk Analyst Lead - Consumer Lending (Hybrid)

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!
We are seeking a dedicated Credit Risk Analyst Lead for our Plano TX or San Antonio TX office to 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. Owns and drives 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 position is a hybrid work type and can be based in one of the following locations: San Antonio, TX or Plano, TX. Hybrid roles help employees gain the best of both worlds - collaborating in-person in the office and working from home when needed to achieve focused results.
The Opportunity
What you'll do:

• Identifies and leads existing and emerging risks that stem from business activities and the job role.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled.
• Follows written risk and compliance policies, standards, and procedures for business activities.
• 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.
• Demonstrates 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 successfully developing and improving sophisticated analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key collaborators and senior leadership.
• Leads the analysis of internal and external scores/data for use in identifying first party fraud.
• Uses industry knowledge and driven benchmarking to lead, inform, and influence credit strategy development.
• Proactively Identifies the need for and leads development of sophisticated and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and exciting 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 advances the quality and direction of credit performance to appropriate levels of management.
• Leads the design and execution of sophisticated financial risk sensitivity analysis.
• Owns 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 collaborators 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 an inspiring leader within the analyst community.
• May have model ownership responsibilities and drive accountability for quantitative model requirement definition and/or implementation of advanced credit and/or financial modeling infrastructure.

What you have:

• Bachelor's Degree OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• 8 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments or leading the analysis and interpretation of complex Bank Credit Risk data to align to team strategy; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments or leading the analysis and interpretation of complex Bank Credit Risk data to align to team 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 good judgement in problem solving.
• Experience influencing cross functional stakeholders to action by communicating complex analytical insights and risk mitigating solutions.
• Experience developing and improving a variety of risk related reporting.
• Experience coaching and guiding peers on analytics, and/or risk management.
• 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 consumer Credit Risk analytics with a focus on Unsecured consumer loans (e.g. Personal, Credit card)
• 6+ years of experience with SAS or SQL to gather and analyze data; including aggregation from multiple sources, working with different grains of data, resolving anomalies, and demonstrating sophisticated joins to prepare data for analysis
• Experience preparing and communicating credit strategy recommendations and results of complex analysis to senior leadership and a wide range of stakeholders
• Experience driving multiple analytics projects forward with limited guidance
• Experience optimizing underwriting criteria using statistical models and analysis of traditional and alternative credit data to drive risk-adjusted growth
• Experience optimizing underwriting criteria using statistical models and analysis of traditional and alternative credit data to drive risk-adjusted growth'
• Experience working with Experian Sandbox, alternate data sources e.g. Lexis Nexis
• 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: $132,500 - $253,220.
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.
Relocation assistance is not available for this position.
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.