As a Senior Bank Credit Risk Analyst, you will be instrumental in developing credit risk strategies for card, consumer, and deposit credit portfolios. Your role will focus on optimising profitable growth within defined risk appetites, managing operational and compliance risks, and continuously monitoring strategy performance against internal and external factors. What You'll Do as a Senior Analyst, Credit Risk Strategy Identify risks and opportunities within the managed portfolio and translate results into strategic solutions. Apply critical thinking to synthesize analyses, identify root causes, and develop clear recommendations for credit risk strategy. Partner to deliver bank credit risk strategies across lines of defense by developing and improving complex analytical frameworks. Analyze internal and external scores/data to identify first-party fraud. Apply industry knowledge and competitive benchmarking to inform credit strategy development. Utilize advanced quantitative analysis based on internal and external data sources to clarify ambiguous problems. Develop, manage, and present comprehensive risk and financial reporting to support senior management and committee oversight. Design and perform complex financial risk sensitivity analysis. Create and manage credit strategy infrastructure, ensuring 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 and facilitate teams in developing and implementing key initiatives. Utilize analytically derived insights to develop strategic plans with significant business impact. Coach and mentor other analysts and act as a thought leader within the analyst community. Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled. Your Well-being Matters 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 assistance Continuing education support Your Well-being Matters 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, adoption assistance, and a generous paid time off program that includes paid holidays and volunteer hours. Additionally, various wellness programs and support for career path planning and continuing education are provided. Who We're Looking For We are seeking a Senior Analyst, Credit Risk Strategy with a strong background in analytical fields, possessing a Bachelor's degree in Business Management, Finance, Economics, Engineering, or a Mathematical discipline, or equivalent experience. The ideal candidate will have at least 6 years of experience in leading analytical projects, advanced analytics, risk assessments, or bank credit risk data, with a focus on consumer credit risk analytics. You should demonstrate strong financial analysis skills, a deep understanding of banking regulations, risk, and compliance, and advanced presentation and communication abilities. Proficiency in Microsoft Office, data analysis tools like SQL and SAS, and knowledge of relevant federal laws and regulations are essential. Experience in communicating complex analysis to leadership, optimizing underwriting criteria, and working with various data sources will set you apart. Bachelor's degree in Business Management, Finance, Economics, Engineering, or a Mathematical discipline, or 4 years of related experience. Minimum 6 years' experience in an analytical field or 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 with demonstrated good judgement in problem-solving. 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. Knowledge of federal laws, rules, regulations, and applicable guidance including FCRA, Reg

B, UDAAP/UDAP, OCC

Heightened Standards, and

OCC CREDIT RISK GUIDANCE.

6+ years of experience with consumer credit risk analytics focusing on card, auto, personal loans, deposits, and other consumer loans credit strategy development, implementation, and monitoring. Experience preparing and communicating credit strategy recommendations and results of complex analysis to senior leadership and partners. Experience delivering business insights and recommendations through internal and industry data analysis. 6+ years of experience with SAS or SQL for data gathering and analysis, including aggregation from multiple sources and resolving anomalies. Experience crafting and evaluating A/B tests to optimize risk-reward frameworks. Experience driving multiple analytics projects and strategies forward with limited guidance. Experience optimizing underwriting criteria using statistical models and analysis of traditional and alternative credit data. Experience working with Experian Sandbox and alternate data sources like Lexis Nexis. Why Join Our Team? Remote eligible in the continental U.S. with occasional business travel Support for active-duty military spouses with remote or hybrid flexibility Opportunity to empower members to achieve financial security Work within a company defined by honesty, integrity, loyalty, and service Be part of a team that is the #1 choice for the military community Shape Credit Risk Strategy and Drive Impact As a Senior Analyst, Credit Risk Strategy, you will play a pivotal role in optimising profitable growth within risk appetite for bank credit portfolios. This remote-eligible position offers the chance to apply advanced analytical skills to develop and monitor credit strategies, influencing senior decision-makers and contributing to the financial security of USAA's members. Join a company dedicated to its mission and core values, with a competitive compensation package.