Credit Risk Analytics Manager Senior - Emerging Risk
Posted on: November 24, 2022
Purpose of Job
Our Credit Risk Analytics team supports, enables, and solutions the
data and analytics needs of the Top & Emerging Risk. This
outstanding opportunity will enable the Credit Risk professional to
collaborate with others across business divisions, risk management,
and the USAA Enterprise in the translation of business needs into
credit risk requirements and the fulfillment thereof.
The credit risk analytics manager senior will:
---Produce macroeconomic reporting and insights related to retail
---Identify and analyze emerging risks across USAA's retail credit
---Provide support to the Top & Emerging Risk team through an
independent and robust Data Analytics program including:
---Analyze macro model results and ensure compliance with model
governance standards, including model validation support
---Analyze drivers, model monitoring, effective communication, and
developing materials for quarterly reviews conducted with senior
---Collaborate with other analysts on the team to understand their
data needs, provide solutions, and prepare presentation materials
for Working Group, Committees and the Board
Manages quantitative credit/behavioral/financial analytics or
predictive modeling to assess risks and opportunities and provides
recommendations for Bank consumer portfolios. Provides effective
challenge for risk and strategy proposals.
This position is offered as Hybrid out of one our main HUB's;
Phoenix AZ, San Antonio TX, Plano TX, Colorado Springs Co,
Charlotte NC, and Tampa FL
USAA knows what it means to serve. We facilitate the financial
security of millions of U.S. military members and their families.
This singular mission requires a dedication to innovative thinking
at every level.
- Applies industry leading practices and analytical rigor to
manage and assess risks and opportunities across the Bank's
consumer portfolios and translates results into strategic
- Partners to deliver on Bank strategies across lines of defense
by effectively developing and improving complex analytical
frameworks, analyzing data and processes, and clearly communicating
information and insights to key stakeholders and leadership.
- Applies industry knowledge to develop advanced and nuanced
quantitative analysis utilizing extensive internal and external
data sources to bring structure and clarity to ambiguous and
- Challenges risk proposals in designated risk area of credit,
market, operations, product, or strategic ) through detailed
research and vetting, leveraging banking product, regulatory and
industry knowledge, and critical thinking skills to ensure strong
portfolio performance outcomes.
- Designs, builds, and may assist in maintaining effective risk
management frameworks that enable identification, measurement, and
mitigation of risk in a complex environment.
- Develops and oversees comprehensive risk reporting in support
of management and committee oversight of existing and emerging
- Designs complex financial risk sensitivity analysis.
- Provides thought leadership, coaching, and mentoring to team
members regarding analytics and risk management.
- May execute or implement advanced credit and/or financial
modeling infrastructure. Minimum Requirements:
- Bachelor's degree or 4 additional years of related experience
beyond the minimum required may be substituted in lieu of a
- 6 years experience in an analytical field or work focused on
leading risk management execution, assessments or advanced
analytics OR 4 years experience in an analytical field or focused
on risk management execution, analytics or risk assessments with an
advanced degree in a quantitative, scientific, engineering,
business or technical field OR an equivalent level of demonstrated
competencies in industry leading risk management execution,
advanced analytics, and risk assessments.
- 2 years prior analytical experience in a financial services or
highly regulated environment.
- Experience delivering cross functional action plans by
communicating complex analytical insights and compelling risk
- Experience developing and maintaining analytical
- Experience applying critical thinking skills to support
successful performance outcomes.
- Demonstrated awareness of relevant laws, rules and regulations,
such as guidance and requirements associated with OCC Heightened
- Strong knowledge of current analytical coding languages such as
Python, SAS, or SQL. Preferred Experience:
- Knowledge of emerging risk credit trends, combining
quantitative and qualitative methods
- Excellent verbal and written communication and interpersonal
skills required with ability to present complex and critical issues
- Strong understanding of machine learning methodologies and use
- Have a strong understanding the following tools: SAS, Python,
R, or PY Spark 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
position. The salary range for this position is: $88,200.00 -
$158,900.00 (this does not include geographic differential it may
be applied based on your work location)
Employees may be eligible for pay incentives based on overall
corporate and individual performance or at the discretion of the
USAA Board of Directors.
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
Please click on the link below for more details.
USAA Total Rewards
Relocation assistance is NOT available for this position.
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.
Keywords: USAA, Denton , Credit Risk Analytics Manager Senior - Emerging Risk, Executive , Denton, Texas
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