[Remote] Senior Analyst, Credit Risk Strategy

Note: The job is a remote job and is open to candidates in USA. USAA is hiring a Senior Credit Risk Analyst to develop and deliver credit risk strategies for bank portfolios, including card, consumer, and deposit products. The role uses quantitative analysis to optimize profitable growth within risk appetite, monitor strategy performance, and manage operational and compliance risks.

Responsibilities

• Apply 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
• Apply critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers
• Partner 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 leadership
• Analyze internal and external scores/data for use in identifying first party fraud
• Apply industry knowledge and competitive benchmarking to inform credit strategy development
• Utilize advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems
• Develop, manage, and present 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
• Design and perform complex financial risk sensitivity analysis
• Create and manage credit strategy infrastructure and ensures credit strategies are implemented as intended
• Apply expert programming and analytical techniques to analyze credit data
• Provide thought leadership, coaching, and mentoring to team members regarding analytics and risk management
• Collaborate with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives
• Utilize analytically derived insights to develop strategic plans with significant impact to business results
• Coach and mentor other analysts and acts as a thought leader within the analyst community. ​
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures

Skills

• Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree
• Minimum 6 years' experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 4 years' experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data
• Experience in financial analysis activities to support risk 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
• 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
• USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.)
• 6+ years of experience with consumer credit risk analytics with a focus on card, auto, personal loans, deposits and other and consumer loans credit strategy development, implementation and monitoring
• Experience preparing and communicating credit strategy recommendations and results of complex analysis to senior leadership and a wide range of partners including but not limited to Credit risk reviewer, Pricing, Product, Legal, Compliance, Underwriting and Operations
• Experience delivering business insights and recommendations through internal and industry data analysis
• 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 crafting tests (e.g. A/B test) and evaluating outcomes to continuously guide and optimize risk reward framework
• Experience driving multiple analytics projects and strategies 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 working with Experian Sandbox, alternate data sources e.g. Lexis Nexis

Benefits

• Remote or hybrid flexibility for active-duty military spouses, consistent with applicable policy and business needs.
• Remote eligible in the continental U.S.; individuals residing within a 60-mile radius of a USAA office are expected to work on-site four days per week.
• Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.
• 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
• Various wellness programs
• Career path planning and continuing education to assist employees with their professional goals

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