Credit Risk Analytics Manager II

United Services Automobile Association; San Antonio (TX); On-site; USD 77,120 - 147,390; Full time

Benefits offered by this job

Comprehensive medical, dental and vision plans

401(k)

Pension

Life insurance

Parental benefits

Adoption assistance

Paid time off program

Paid holidays

16 paid volunteer hours

Wellness programs

Job summary

Join a forward-thinking organization as a Credit Risk Analytics Manager II, where your analytical skills will empower decision-making for consumer portfolios. This role involves conducting in-depth quantitative and qualitative analyses to assess risks and opportunities, ensuring strong portfolio performance. You will collaborate with key stakeholders to develop effective risk management strategies while enjoying a flexible work environment. Embrace the chance to make a significant impact in a company that values integrity and service, all while benefiting from comprehensive wellness programs and a supportive culture that fosters professional growth.

Qualifications

• Bachelor’s degree or 4 years of related experience in lieu of degree.
• 2 years experience in analytics or risk management execution.

Responsibilities

• Conduct quantitative analysis for risk assessment and decision-making.
• Develop risk management frameworks and comprehensive risk reporting.

Skills

Analytical Skills

Critical Thinking

Communication Skills

Data Analysis

Education

Bachelor’s degree

Advanced degree in quantitative field

Tools

SQL

Python

R

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

As a dedicated Credit Risk Analytics Manager II, you will conduct quantitative credit/behavioral/financial analytics or predictive modeling to assess risks and opportunities and provide recommendations for Bank consumer portfolios.

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 or Plano TX. Relocation assistance is not available for this position.

What you'll do:

1. Applies analytical skills to assess risks and opportunities for a Bank consumer portfolio and translates results into recommendations.
2. Effectively develops analytical concepts in support of key stakeholders to deliver on bank risk strategies.
3. Conducts quantitative analysis utilizing extensive internal and external data sources.
4. Develops qualitative analysis to support departmental decision making.
5. Researches credit, product, and/or risk proposals and utilizes critical thinking skills to provide analysis ensuring strong portfolio performance outcomes.
6. Builds and/or maintains effective risk management frameworks which can identify, measure, or mitigate risk.
7. Develops and maintains comprehensive risk reporting in support of management and committee oversight of existing and emerging risks.
8. May develop and/or execute financial risk sensitivity analysis.
9. May execute credit and/or financial modeling infrastructure.

What you have:

1. 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.
2. 2 years experience in an analytical field or focused on risk management execution, analytics or risk assessments; OR an advanced degree in a quantitative, scientific, engineering, business or technical field; OR an equivalent level of demonstrated competencies in leading risk management execution, analytics and risk assessments.
3. Experience communicating analytical insights to various stakeholders.
4. Ability to apply critical thinking skills with various data to problem solve effectively.
5. Basic understanding of data, code, or reporting tools.

What sets you apart:

1. Basic familiarity with SQL.
2. Familiar with Python or R.
3. Ability to query and analyze data.

Compensation range: The salary range for this position is: $77,120 - $147,390.

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.