As a dedicated Bank Credit Risk Analyst Lead at USAA, you will be instrumental in developing credit risk strategies for card, consumer, and deposits credit portfolios. Your role involves optimising profitable growth within defined risk appetites, owning operational and compliance risks, and continuously tracking performance. You will leverage quantitative methods to identify risks, develop strategies, and monitor credit performance, ensuring the bank's portfolio products remain within the risk taxonomy. What You'll Do as a Lead Analyst, Credit Risk Strategy Leverage industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translate results into strategic solutions with the delivery of credit risk strategies. Leverage 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. Lead and 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 senior leadership. Lead the analysis of internal and external scores/data for use in identifying first party fraud. Leverage industry knowledge and competitive benchmarking to lead, inform, and influence credit strategy development. Proactively identify the need for and lead development of 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. Lead the design and execution of complex financial risk sensitivity analysis. Lead the creation and management of 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 & facilitate teams in the development and implementation of key initiatives. Lead and coach team to develop analytically derived insights and lead to strategic plans with significant impact to business results. Coach and mentor other analysts and act 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. Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. Your Well-being and Growth Comprehensive medical, dental, and vision plans 401(k) retirement plan Pension plan Life insurance Parental benefits Adoption assistance Paid time off program with paid holidays 16 paid volunteer hours Various wellness programs Career path planning Continuing education assistance Your Well-being and Growth USAA offers a robust benefits package designed to support employees' physical, financial, and emotional well-being. This includes comprehensive medical, dental, and vision plans, along with a 401(k) and pension plan. Employees also receive life insurance, parental benefits, and adoption assistance. The company provides a paid time off program, including holidays and 16 paid volunteer hours, plus various wellness programs. Additionally, USAA supports professional growth through career path planning and continuing education.

Who We're Looking For:

Lead Analyst, Credit Risk Strategy We are seeking a highly experienced and skilled Lead Analyst, Credit Risk Strategy, with a strong background in credit risk strategy development for various credit portfolios. The ideal candidate will possess a Bachelor's degree, or equivalent experience, and at least 8 years in an analytical field, or 6 years with an advanced degree, focusing on leading analytical projects and interpreting complex bank credit risk data. You should have a deep understanding of banking regulations, risk, and compliance, coupled with advanced presentation, communication, research, and investigation skills. Proficiency in Microsoft Office products and data analysis tools like SQL and SAS is essential. We are looking for someone who can influence cross-functional stakeholders, develop risk-related reporting, and coach peers. Experience with AI and LLM-based tools, along with a proven ability to lead and mentor junior analysts, will set you apart. Bachelor's degree or 4 years of relevant education and/or experience. 8 years of experience in an analytical field or leading analytical projects, advanced analytics, and risk assessments, or leading the analysis and interpretation of complex bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or a Mathematical discipline and 6 years of similar experience. 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 with demonstrated good judgment in problem-solving. Experience influencing cross-functional stakeholders by communicating complex analytical insights and risk mitigating solutions. Experience developing and improving a variety of risk-related reporting. Experience coaching and guiding peers on analytics and/or risk management. Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint. Advanced knowledge of data analysis tools including SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics. Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg

B, UDAAP/UDAP, OCC

Heightened Standards, OCC

CREDIT RISK GUIDANCE.

Proven ability to develop and communicate data-driven credit strategy recommendations and complex analytical findings to senior leadership and diverse stakeholders. Extensive experience translating internal and external industry data into actionable credit and business insights, delivering complex analyses and strategic recommendations. Demonstrated expertise in designing and executing credit strategy experiments (e.g., A/B testing, champion/challenger frameworks, and other causal evaluation methodologies). 6+ years of experience leveraging SAS, SQL, and other analytical programming languages such as Python to extract, transform, and analyze large-scale datasets. Proven experience utilizing AI and LLM-based tools (e.g., GPT-powered copilots and similar technologies) to enhance coding productivity, accelerate analytical workflows, and develop intelligent agents and automation solutions. Strong track record of identifying and addressing emerging or ambiguous risk challenges with limited historical precedent. Demonstrated leadership in managing portfolio-level credit performance, proactively identifying risk and growth opportunities, and influencing strategy through partnership with senior leaders. Proven experience owning end-to-end credit strategy development, implementation, monitoring, and performance optimization across key customer segments and lending products. Demonstrated ability to lead, mentor, and develop junior analysts while driving analytical excellence, fostering collaboration, and elevating team capabilities. Demonstrated ability to independently lead multiple high-priority initiatives simultaneously, navigate ambiguity, and deliver high-quality recommendations with limited direction. Why USAA is a Great Place to Work Remote eligible role in the continental U.S. Support for active-duty military spouses with remote or hybrid flexibility Opportunity to empower members to achieve financial security Work within a mission-driven culture valuing honesty, integrity, loyalty, and service Lead Credit Risk Strategy and Empower Military Families Join USAA as a Lead Analyst in Credit Risk Strategy and leverage your expertise to shape financial security for military families. This role offers the chance to develop and implement critical credit risk strategies, influence senior leadership, and contribute to a mission-driven organisation. With a competitive salary and remote flexibility, you'll drive impactful change and mentor others in a supportive environment.