**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

**The Opportunity**

As a dedicated Bank Credit Risk Analyst, you will own and provide ongoing management of credit card account management strategies (for example, credit line increase, credit line decreases, balance transfer offers, etc). You will conduct detailed statistical analyses to determine drivers of credit card portfolio trends, and design and implement strategy-based approaches to issues identified. You will also work closely with cross-functional stakeholders to implement changes to account management strategies.

The incumbent uses 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. The incumbent mitigates operational and compliance risk inherent in credit strategy. This position tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.

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. This position can also work remotely in the continental U.S. with occasional business travel. Relocation assistance is **not** available for this position.

**What you'll do:**

+ Applies 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.

+ Applies 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.

+ Assists in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership.

+ Applies industry knowledge and competitive benchmarking to inform credit strategy development.

+ Utilizes quantitative analysis based upon internal and external data sources to bring structure and clarity to challenging problems.

+ Develops and presents 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.

+ Performs complex financial risk sensitivity analysis.

+ Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended.

+ Applies programming and analytical techniques to analyze credit data.

+ Provides support for junior team members regarding analytics and risk management.

+ Collaborates with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives.

+ 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.

+ 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments such as analyzing and interpreting complex bank credit risk data and credit or financial analysis activities, and/or driving activities that support consumer credit risk strategy; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 2 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments.

+ Understanding of banking regulations, risk and/or compliance.

+ Strong presentation and communication skills.

+ Good business acumen and attention to detail and accuracy.

+ Strong research, investigation skills and demonstrated good judgement in problem solving.

+ Strong knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.

+ Strong knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics (E.g., SPSS, Python, R or Visual Basic).

+ Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.

**What sets you apart:**

+ Bachelor’s or Master’s degree in Mathematics, Statistics/ Data Scientist, Engineering, Computer Science, Finance, or other quantitative discipline.

+ Proficiency in Python, R, or SAS. SQL proficiency is a plus, but not required.

+ Experience conducting statistical analyses on large and complex datasets to detect trends and trend drivers.

+ Experience in the financial Industry.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**What we offer:**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $89,990 - $172,000 **.**

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.