Bank Credit Risk Analyst Lead - Retail Banking

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 Lead Analyst, you will leverage advanced analytics to proactively identify and quantify emerging and non-traditional risks. You will translate ambiguous, forward-looking signals—including macroeconomic, policy, and industry shifts—into actionable strategies that optimize portfolio performance within risk appetite. This role partners cross-functionally to monitor evolving risk dynamics, inform strategic decision-making, and ensure effective mitigation of operational and compliance risks.

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, or Tampa, FL.

Relocation assistance is not available for this position.

What you'll do:

• Leverages, applies and shares 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.
• Leverages banking product knowledge and critical thinking skills to lead analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.
• Leads and partners 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 senior leadership.
• Leads the analysis of internal and external scores/data for use in identifying first party fraud.
• Leverages industry knowledge and competitive benchmarking to lead, inform, and influence credit strategy development.
• Proactively Identifies the need for and leads development of advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems.
• Responsible for the development, management, and presentation of 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.
• Leads the design and execution of complex financial risk sensitivity analysis.
• Leads the creation and management of 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.
• Leads and coaches team to develop analytically derived insights and the lead to strategic plans with significant impact to business results.
• Coaches and mentors other analysts and acts as a thought leader within the analyst community.
• May have model ownership responsibilities and drive accountability for quantitative model requirement definition and/or implementation of advanced credit and/or financial modeling infrastructure.
• 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; OR 4 years of relevant education and/or experience.
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