Bank Credit Strategy Analyst Senior
Company: USAA
Location: Phoenix
Posted on: June 24, 2025
|
|
|
Job Description:
Why USAA? At USAA, our mission is to empower our members to
achieve financial security through highly competitive products,
exceptional service and trusted advice. We seek to be the 1 choice
for the military community and their families. Embrace a fulfilling
career at USAA, where our core values – honesty, integrity, loyalty
and service – define how we treat each other and our members. Be
part of what truly makes us special and impactful. The Opportunity
Be a key player on a dynamic team that fuels business growth and
empowers our members, all while ensuring responsible lending
practices. We combine data-driven insights with a collaborative,
fun-loving environment to navigate credit risks and unlock
opportunities in evolving markets. If you're passionate about
credit and enjoy making a tangible impact, join us! As a dedicated
Credit Risk Analyst Senior, you will 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 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. We offer a
flexible work environment that requires an individual to be in the
office 4 days per week. This position can be based in one of the
following locations: San Antonio, TX, Plano, TX, Phoenix, AZ,
Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL.
Relocation assistance is not available for this position. What
you'll do: Applies 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. Applies 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. Partners to deliver Bank
credit risk strategies across lines of defense by effectively
developing and improving sophisticated analytical frameworks,
analyzing data and processes, and clearly presenting
insights/recommendations to key collaborators and leadership.
Analyzes internal and external scores/data for use in identifying
first party fraud. Applies industry knowledge and driven
benchmarking to advise credit strategy development. Uses
sophisticated and multifaceted quantitative analysis based upon
internal and external data sources to bring structure and
transparency to ambiguous and ambitious problems. Develops, leads,
and presents 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. Designs and
performs sophisticated financial risk sensitivity analysis. Creates
and manages 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. Utilizes analytically derived insights to
develop strategic plans with significant impact to business
results. Coaches and mentors’ 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. What you have: 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. 6 years of 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 of
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. What sets you
apart: Experience with Unsecured Personal Loan origination credit
strategy, or valuation (NPV) model for consumer lending products. 6
years of experience with Python, SAS, or SQL to assemble and
analyze data, including aggregation from multiple sources, working
with different grains of data, identifying, and resolving
anomalies, and using sophisticated joins to prepare data for
analysis. 6 years of experience of credit risk management and
analytical projects for consumer lending products, preferably with
experience in data driven strategy creation and decision making.
Experience working with cross functional partners and key
collaborators to build consensus and drive initiatives. Strong
written and verbal communication skills with ability to translate
analysis results into clear insights and actions. US military
experience through military service or a military spouse/domestic
partner Compensation range: The salary range for this position is:
$127,310-$243,340 . 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. Employees may be eligible for pay
incentives based on overall corporate and individual performance
and at the discretion of the USAA Board of Directors. 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. 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, visit our benefits page on
USAAjobs.com. Applications for this position are accepted on an
ongoing basis, this posting will remain open until the position is
filled. Thus, interested candidates are encouraged to apply the
same day they view this posting. 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.
Keywords: USAA, Goodyear , Bank Credit Strategy Analyst Senior, Accounting, Auditing , Phoenix, Arizona
