Bank Credit Risk Analyst Lead (Experienced),Consumer Lending

Company: USAA
Location: Plano
Posted on: August 4, 2022

Job Description:

Purpose of JobAbout USAA
USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.
We are seeking a talented Bank Credit Risk Analyst Lead to join our team. This person will work in a Hybrid setting and will therefore need to be within a
commutable distance to one of our USAA facilities.

Hybrid schedules available for our San Antonio TX, Plano TX, Charlotte NC, Phoenix AZ, Colorado Springs CO, or Tampa FL campus.

Uses 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 productJob RequirementsTasks:

• Identifies and manages 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.
• 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 act as a thought 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.Minimum Experience Required:
  • 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 GUIDANEPreferred Experience:
    • Experience with SAS, Tableau, R, Python and/or other programming/reporting tools
    • Experience with variable analysis and risk segmentation techniques
    • Experience working with transactional level data for Deposit products or Credit products
    • Experience in developing quantitative risk rules
    • Experience in developing risk strategies for Credit Card Account Management or Account Originations
    • Experience at large or complex bank/financial institutions
    • Experience with communicating and presenting sophisticated concepts to executive leadershipThe 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.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 position. The salary range for this position is: $117,600-$211,700*.Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.*Geographical Differential: Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.Shift premium will be addressed on an individual basis for applicable roles that are consistently scheduled for non-core hours.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.To see details on our outstanding benefits, visit Relocation assistance is available for this position.

Keywords: USAA, Plano , Bank Credit Risk Analyst Lead (Experienced),Consumer Lending, Professions , Plano, Texas