About the position
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. The Opportunity As a dedicated Credit Risk Analytics Manager, you will conduct quantitative credit/behavioral/financial analytics or predictive modeling to assess risks and opportunities and provides recommendations for bank consumer portfolios. 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 or Plano, TX. Relocation assistance is not available for this position.
Responsibilities
• Apply analytical skills to assess risks and opportunities for a bank consumer portfolio and translates results into recommendations.
• Effectively develop analytical concepts in support of key stakeholders to deliver on bank risk strategies.
• Conduct quantitative analysis utilizing extensive internal and external data sources.
• Develop qualitative analysis to support departmental decision making.
• Research credit, product, and/or risk proposals and utilize critical thinking skills to provide analysis ensuring strong portfolio performance outcomes.
• Build and/or maintain effective risk management frameworks which can identify, measure, or mitigate risk.
• Develop and maintain comprehensive risk reporting in support of management and committee oversight of existing and emerging risks.
• May develop and/or execute financial risk sensitivity analysis.
• May execute credit and/or financial modeling infrastructure.
Requirements
• Bachelor’s degree: OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• Minimum 2 years’ experience in an analytical field or focused on risk management execution, analytics or risk assessments; OR an advanced degree in a quantitative, scientific, engineering, business or technical field; OR an equivalent level of demonstrated competencies in leading risk management execution, analytics and risk assessments.
• Experience communicating analytical insights to various stakeholders.
• Ability to apply critical thinking skills with various data to problem solve effectively.
• Basic understanding of data, code, or reporting tools.
Nice-to-haves
• Technical Proficiency: Familiarity with SQL and programming languages such as Python, SAS, or R is essential.
• Intellectual Curiosity and Agility: Demonstrated intellectual curiosity, self-motivation, and learning agility are highly valued. The ideal candidate possesses a natural desire to explore, understand complex issues, and adapt to new challenges and information.
• Strong Communication Skills: Excellent verbal and written communication skills are paramount for conveying complex findings and insights clearly to diverse audiences, including non-technical stakeholders. Collaboration and the ability to explain data effectively are critical to success in this role.
Benefits
• 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
• various wellness programs
• career path planning
• continuing education