Senior Portfolio Risk and Strategy Analyst

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career.

Try new things, learn new skills and discover what you excel at—all from Day One.

The Senior Portfolio Risk and Strategy Analyst partners with their assigned Line of Business, other Risk/Compliance/Audit (RCA) professionals, and RCA Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework. Participates in projects and/or activities that ensure compliance with applicable federal, state, and local laws and regulations. Identifies gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors.

Identifies, responds and/or escalates risks as appropriate. Serves as a functional liaison between the Line of Business and the Lines of Defense.

• Lead Champion/Challenger testing across Lending Services business lines, including Consumer, Mortgage, and Commercial, within Collections, Recovery, Repossession, and Loss Mitigation.
• Work with cross-functional business partners to translate test results and performance insights into actionable strategy enhancements, implementation recommendations, and ongoing performance monitoring.
• Analyze and monitor portfolio and program performance across Lending Services, including Investor scorecard performance, to identify key trends, performance drivers, risks, and opportunities for improvement.
• Partner with Finance and business lines to support collections goal setting, delinquency forecasting, performance analysis, and reporting.
• Explore and apply AI capabilities in analysis, strategy testing, and reporting to improve efficiency, strengthen insights, and support informed decision‑making.
• Experience partnering with cross‑functional teams, including Finance, Operations, Risk, Technology, and business lines, to support strategy implementation, goal setting, forecasting, and reporting.
• Experience across multiple Lending Services business lines is a plus.
• Proficiency with analytical and reporting tools, with an interest in applying AI capabilities to analysis, testing, reporting, and process improvement.
• Strong analytical, problem‑solving, and communication skills, with the ability to synthesize complex findings and present recommendations to senior leadership and executive stakeholders.

• Bachelor’s degree, or equivalent work experience
• Typically more than eight years of applicable experience

• Experience with Champion/Challenger strategy testing within Lending Services, including Consumer, Mortgage, Commercial, Collections, Recovery, Repossession, and/or Loss Mitigation.
• Strong portfolio and program analytics experience, with the ability to analyze performance, identify key trends and performance drivers, assess risk, and uncover opportunities for improvement.
• Experience applying AI capabilities to analytics, strategy testing, and reporting to improve efficiency, strengthen insights, and support business decision‑making.
• Proficiency in SQL or Python is required, including experience using data to support analysis, testing, reporting, and business insights.

• Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business
• Considerable understanding of the…