Credit Risk Analyst I

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

Employer: USAA Federal Savings Bank

Tasks: 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 escalate 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 ensure 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 and 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 serves as a thought leader within the analyst community. Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. May telecommute.

Requirements: Will accept a Bachelor’s degree in Data Analytics, Business Management, Finance, Economics, Engineering, Mathematics or related field and 4 years of experience in the job offered or in a related occupation. Alternatively, will accept a Master’s degree in Data Analytics, Business Management, Finance, Economics, Engineering, Mathematics or related field and 2 years of experience in the job offered or in a related occupation. Position requires:

• Unsecured loans consumer-lending industry experience;
• Manipulating, analyzing and forming insights on both credit bureau and internal data to develop, implement, and monitor risk strategy using programming languages such as SAS, SQL, Python and data visualization tools (Tableau);
• Developing, implementing, and monitoring risk strategy, leveraging credit bureau and other internal data;
• Data modeling and risk management;
• Microsoft Office products: Excel, Word, and PowerPoint;
• SQL and Python for data segmentation and aggregation;
• Snowflake and Extract Transform Load (ETL) process using SQL;
• Designing statistics tests, interpret statistic metrics, machine learning algorithms like decision trees, and model metrics (table and Kolmogorov-Smirnov); and
• Data analysis and data manipulation.

Worksite: 5601 Legacy Drive, Plano Texas 75024

Relocation assistance is Not Available for this position.

This position is eligible for the Employee Referral Program.

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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.