Credit Risk Analytics Manager (Intermediate)
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
Apply Now
Apply Now
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
Apply Now
Apply Now