Senior Analyst, Credit Risk Strategy - Bank

USAA Life Insurance Company; United States; Híbrido; USD 120 000 - 150 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Remote or hybrid work

Resumo da oferta

USAA Life Insurance Company is seeking a Senior Bank Credit Risk Analyst to develop and optimize credit risk strategies for card, consumer and deposits portfolios. This role emphasizes quantitative methods, monitoring risk exposure, and delivering strategic insights to senior leadership.

This position supports remote eligibility within the continental United States with travel, while on-site four days a week for nearby offices.

Qualificações

• Bachelor’s degree required or 4 years related experience in lieu of degree.
• 6+ years of analytical experience or leading analytical projects in risk/credit domains.
• Strong understanding of banking regulations, risk and compliance.
• Advanced presentation and communication skills.
• Advanced business acumen with attention to detail and accuracy.
• Advanced research and investigation skills with good judgement.

Responsabilidades

• Identify credit risks and opportunities within the managed portfolio and translate results into strategic credit risk strategies.
• Develop and deliver credit strategies and monitor performance within risk appetite.
• Collaborate with stakeholders to guide initiatives and communicate insights to leadership.
• Perform complex financial risk sensitivity analyses and maintain risk reporting for senior management.

Conhecimentos

Credit risk analysis

Quantitative analysis

Data analysis

Risk modeling

Presentation skills

Leadership mentoring

Formação académica

Bachelor’s degree in Business/Finance/Economics/Engineering/Math

Advanced degree in Business/Finance/Engineering/Math

Ferramentas

Microsoft Office

Descrição da oferta de emprego

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.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

As a dedicated Bank Credit Risk Analyst Senior, you will have a strong background in credit risk strategy development for card, consumer and deposits credit portfolios to optimize profitable growth within risk appetite. You will own operational and compliance risk inherent in credit strategy. Additionally, you will track and monitor credit strategy performance as well as external factors impacting the credit risk exposure for bank portfolio products within the risk taxonomy.

Credit Risk Analyst Seniors 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.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.

What you'll do:

• 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.

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.
• 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