Why USAA?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 OpportunityAs a dedicated Credit Risk Analyst II, you will use 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. Mitigate operational and compliance risk inherent in credit strategy. 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 or Plano, TX. Relocation assistance is not available for this position.<h2></h2><h2></h2><h2></h2><h2></h2><h2>What you'll do:</h2><ul><li>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.</li><li>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.</li><li>May assist in delivering Bank credit risk strategies across lines of defense by optimally driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key collaborators and leadership.</li><li>Develops industry knowledge and driven benchmarking to inform credit strategy development.</li><li>Applies quantitative analysis based upon internal and external data sources to solve analytical projects.</li><li>Assists with developing, managing, and communicating comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and raises the quality and direction of credit performance to appropriate levels of management.</li><li>Performs financial risk sensitivity analysis.</li><li>Crafts requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended.</li><li>Applies programming and analytical techniques to analyze credit data</li><li>May assist in collaborating with key partners to guide & facilitate teams in the development and implementation of key initiatives.</li><li>Ensures risks associated with business activities are effectively identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures.</li></ul>What you have:<ul><li>Bachelor’s Degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.</li><li>2 years of experience in an analytical field or work focused on leading analytical projects, sophisticated analytics, and risk assessments; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area.</li><li>Developing understanding of banking regulations, risk, and compliance.</li><li>Solid presentation and social skills.</li><li>Good business sense and attention to detail and accuracy.</li><li>Solid research and investigation skills and demonstrated good judgement in problem solving.</li><li>Shown knowledge of current analytical coding languages, such as SAS, SQL, or Python.</li><li>Solid knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.</li><li>Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.</li></ul>What sets you apart:<ul><li>High Proficiency in SAS and SQL and familiarity with capabilities of BI tools (e.g., Tableau)</li><li>Experience analyzing credit risk associated with consumer credit card products and identifying root causes of shifts in key portfolio performance measurements</li><li>Experience recommending changes to underwriting strategies for both new originations and existing account strategies (line increases/decrease, balances transfers, payments, authorizations) to handle credit risk</li><li>Familiarity with the use of explanatory modeling techniques (difference-in-difference, fixed, and random effects models)</li><li>Experience preparing presentation materials for executive level audiences</li><li>Adaptability and willingness to learn</li><li>US military experience through military service or a military spouse/domestic partner</li></ul>Compensation range: The salary range for this position is: $77,120 - $147,390.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.  Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.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. 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, 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.

Job Title: Quantitative Credit Risk Analyst Work Arrangement/Location: This is an on-site position. Summary: The Quantitative Credit Risk Analyst in Consumer Financial Services oversees the development and implementation of credit risk measurement methodologies, monitoring of the bank's credit portfolio, and development of risk reporting and analysis for multiple stakeholders, inclusive of the Board of Directors. Wage Type: Salaried Exempt Essential Duties & Responsibilities: To perform this job successfully, an individual must be able to perform each of the essential duties satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. <ul><li>Lead regular and ad hoc credit department reporting to multiple stakeholders, including Board of Directors.</li><li>Lead efforts to innovate, analyze, and recommend credit risk measurement and optimization strategies. </li><li>Utilize analytical techniques, including statistical analysis, to derive insights from historical loan performance data and identify opportunities to underwrite new customer segments while enhancing credit solutions for the existing customer base. </li><li>Monitor and evaluate loan portfolio performance using statistical and analytical methods, proactively identifying risks and opportunities.</li><li>Lead bank-appropriate loan portfolio stress test exercise.</li><li>Lead CECL reserve monthly calculation</li><li>Test third party underwriting standards to ensure compliance with TPB loan policy</li><li>Work closely with vendors and technology teams to ensure accurate implementation of strategies and models. </li><li>Conduct ad hoc analyses as needed to support the Credit Team's objectives. </li><li>Perform model risk management duties for credit risk analytics tools and models. </li><li>Carries out responsibilities in a manner consistent with our values and operating principles, in accordance with policy and applicable laws, and with a commitment to continuous improvement and process excellence.</li><li>Any other duties as assigned.</li></ul> Key Deliverables: <ul><li>High-quality credit portfolio analysis and reporting </li><li>Customer Satisfaction and Retention </li><li>Lending Compliance </li></ul> Organizational Structure: Reports to: Chief Credit Officer Supervises: None Qualifications: Education: <ul><li>Minimum bachelor's degree in quantitative discipline, inclusive of finance, Business, and Economics. Graduate degree in quantitative discipline preferred. </li></ul> Required Knowledge/Skills: <ul><li>Database and data analytics</li><li>Report building</li><li>Automated quality check design</li><li>Preferred Financial, Fintech, or Banking-related experience </li><li>Excellent administrative and PC skills, including Microsoft Office and analysis software products</li></ul> Desired Knowledge/Skills: <ul><li>Python, R, VBA knowledge </li></ul> Talents: <ul><li>Strong positivity.</li><li>Ability and desire to work in a fast-paced team environment </li><li>Mission driven, competitive, goal oriented, and motivated to develop themselves and others.</li><li>Energetic, resourceful, and appropriate work intensity to get the work done </li><li>People Acumen and the ability to quickly establish positive, professional, working relationships to influence others. </li><li>Strong people acumen and relationship skills; Naturally pre-disposed to quickly establish positive personal and professional relationships.</li><li>Strong analytical and problem-solving skills </li><li>Resourcefulness </li><li>Strong Business Acumen</li><li>Excellent written and verbal communication skills</li><li>Self-directed and highly competitive </li></ul> Other: <ul><li>Corrected vision.</li><li>Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.</li><li>Must be able to lift to 20 pounds.</li></ul> TransPecos Banks will not accept unsolicited resumes from any source other than the candidate. We will consider any candidate for whom an Agency submits an unsolicited resume, to have been referred to us by the Agency free of any charges or fees, other than those agencies we engage on a specific search. TransPecos Banks will not pay a fee for any placement resulting from the receipt of an unsolicited resume.

SWBC is seeking a talented individual to work with senior leadership and actuaries to ensure adequate reserving of insurance products and effective product pricing. Why you'll love this role: In this role, you will be part of a diverse and collaborative team of financial analysts, data analysts, and product leaders. As a Senior Product Financial Risk Analyst, you will play a key role in developing and communicating the risk management position through data-driven insights utilizing internal and external data. This position gives significant executive exposure, business impact, and strategic influence. Essential duties include the following: <ul><li>Applies innovative and scientific/quantitative analytical approaches to data driven recommendations supporting business objectives.</li><li>Collaborates with actuaries to develop current risk exposure estimates utilizing statistical methods and industry/economic indicators.</li><li>Effectively presents and communicates complex data findings to business leaders to help the organization meet challenges and achieve goals. Provides recommendations on the use of information.</li><li>Identifies and track financial risk factors impacting from customer, operations and industry indicators.</li><li>Supports financial recording, documentation and communication of financial risk decisions with accounting and external auditors.</li><li>Manages Contingent Commission or other Profit Sharing agreements, internal recordings and reconciliations with carriers. </li><li>Mentors, develops and educates other analysts and business partners in complex financial analysis.</li><li>Performs all other duties as assigned.</li></ul> Serious candidates will possess the minimum qualifications: <ul><li>Bachelor's degree in quantitative analytics field such as Accounting, Business Analytics, Actuarial Sciences, Finance, Economics, Statistics or related field.</li><li>Relevant advanced degrees and certifications.</li><li>Five (5) years in an analytical role required.</li><li>Actuarial or Insurance experience required.</li><li>Advanced knowledge of data analysis tools and techniques</li><li>Verbal and written communication skills.</li><li>Ability to communicate and interact effectively across levels and skillsets.</li><li>Ability to work collaboratively and build relationships.</li></ul> SWBC offers*: <ul><li>Competitive overall compensation package</li><li>Work/Life balance </li><li>Employee engagement activities and recognition awards </li><li>Years of Service awards</li><li>Career enhancement and growth opportunities </li><li>Leadership Academy and Mentor Program</li><li>Continuing education and career certifications </li><li>Variety of healthcare coverage options</li><li>Traditional and Roth 401(k) retirement plans </li><li>Lucrative Wellness Program</li></ul> *Based upon employee eligibility Additional Information: SWBC is a Substance-Free Workplace and requires pre-employment drug testing. Please note, SWBC does not hire tobacco users as allowed by law. To learn more about SWBC, visit our website at www.SWBC.com. If interested, please click the appropriate apply button.

Credit Risk Analyst San Antonio, TX (MUST BE LOCAL) 6+ Months Video •Must have bank or banking •SAS coding •SQL coding •Banking concepts •Clear communication •utomation software

Why USAA?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 OpportunityAs a dedicated Quantitative Risk Analyst Lead for Fraud, you will conduct and develop quantitative and analytic models, assessments and/or applications in support of risk management efforts that assess the market and identify risks and gaps in existing or proposed processes. Applies diverse methodologies and deep experience in quantitative analytics to identify and tackle complex and/or undefined risk problems. Works with leadership to remediate gaps and improvements identified between existing practices and regulatory requirements. Leads and executes complex initiatives and cross functional teams within the Chief Risk Office and across the Enterprise that drive problem resolution. Leverages broad enterprise knowledge and business acumen related to core discipline(s), products and processes.<h2>Additional Responsibilities Include:</h2><ul><li>Develop data mapping and graph schema design for various use cases in the identity fraud space.</li><li>Create and maintain ETL scripts, data pipelines, and manage both batch and incremental data ingestion into Amazon Neptune and other potential graph databases/engines.</li><li>Develop and optimize graph queries to identify different fraud patterns.</li><li>Build self-service fraud intelligence tools for internal stakeholders.</li><li>Conduct graph analytics, including graph traversal and implementing algorithms such as community detection.</li><li>Perform deep link analysis to uncover interconnected fraudulent activities and conduct graph feature engineering to improve traditional fraud models and boost their performance.</li></ul>This position can work remotely in the continental U.S. with occasional business travel.What you'll do:<ul><li>Applies expert analytical knowledge to use sophisticated analytics to assess future risk and/or new risks, opportunities, and efficiency.</li><li>Translates results into meaningful solutions to improve decision making.</li><li>Presents findings to senior level leadership.</li><li>Applies expert knowledge and industry standard methodologies to quantify risk and aggregate exposures.</li><li>Develops sophisticated systems and programs that measure aggregate risk exposures.</li><li>Performs model validations and presents results to senior leadership.</li><li>Applies innovative and scientific/quantitative analytical approaches to draw conclusions and make recommendations to answer business objectives and motivate change.</li><li>Translates recommendations into communication materials to effectively present to senior leadership. Recommendations typically have a major impact on business results.</li><li>Provides subject matter expertise in operationalizing recommendations.</li><li>Applies expert knowledge to produce sophisticated analytical material to lead discussions with cross functional teams and senior leadership to understand sophisticated business objectives and influence solution strategies.</li><li>Demonstrates thought leadership in cross functional team environments.</li><li>Drives and crafts cross functional teams in support of initiatives that have significant impact to the enterprise or a core business area.</li><li>Provides direction and mentorship to other team members in the peer review process.</li><li>Expertly communicates analytical results, findings and solutions to governance committees and business process owners and influences business analysis.</li></ul>What you have:<ul><li>Bachelor's degree in Economics, Finance, Statistics, Mathematics, Actuarial Sciences, or other quantitative field (4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree)</li><li>8 years of related quantitative analysis experience in a field relevant to risk management to include statistical analysis, modeling, mathematics or other quantitative field.</li><li>OR advanced degree/designation in Economics, Finance, Statistics, Mathematics, Actuarial Sciences, or other quantitative field and 6 years work experience in a quantitative field relevant to risk management</li><li>OR PhD in Economics, Finance, Statistics, Mathematics, or other quantitative field and up to 4 years work experience in a quantitative field relevant to risk management.</li></ul>What sets you apart:<ul><li>US military experience through military service or a military spouse/domestic partner</li><li>Proven experience in graph database technologies, particularly Amazon Neptune.</li><li>Strong understanding of graph theory and graph algorithms.</li><li>Proficiency in developing and optimizing sophisticated graph queries.</li><li>Experience with ETL processes and data pipeline development.</li><li>Familiarity with fraud detection techniques and identity fraud use cases.</li><li>Strong programming skills in languages such as Python, Java, or similar.</li><li>Excellent problem-solving skills and attention to detail.</li><li>Ability to work collaboratively in a team environment.</li></ul>Compensation range: The salary range for this position is: $164,780 - $296,610.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.  Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.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. 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, 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.

Why USAA?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 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 OpportunityAs a dedicated Quantitative Risk Analyst Lead for Fraud, you will conduct and develop quantitative and analytic models, assessments and/or applications in support of risk management efforts that assess the market and identify risks and gaps in existing or proposed processes. Applies diverse methodologies and deep experience in quantitative analytics to identify and tackle complex and/or undefined risk problems. Works with leadership to remediate gaps and improvements identified between existing practices and regulatory requirements. Leads and executes complex initiatives and cross functional teams within the Chief Risk Office and across the Enterprise that drive problem resolution. Leverages broad enterprise knowledge and business acumen related to core discipline(s), products and processes. Additional Responsibilities Include: <ul><li>Develop data mapping and graph schema design for various use cases in the identity fraud space.</li><li>Create and maintain ETL scripts, data pipelines, and manage both batch and incremental data ingestion into Amazon Neptune and other potential graph databases/engines.</li><li>Develop and optimize graph queries to identify different fraud patterns.</li><li>Build self-service fraud intelligence tools for internal stakeholders.</li><li>Conduct graph analytics, including graph traversal and implementing algorithms such as community detection.</li><li>Perform deep link analysis to uncover interconnected fraudulent activities and conduct graph feature engineering to improve traditional fraud models and boost their performance.</li></ul>This position can work remotely in the continental U.S. with occasional business travel.What you'll do:<ul><li>Applies expert analytical knowledge to use sophisticated analytics to assess future risk and/or new risks, opportunities, and efficiency.</li><li>Translates results into meaningful solutions to improve decision making.</li><li>Presents findings to senior level leadership.</li><li>Applies expert knowledge and industry standard methodologies to quantify risk and aggregate exposures.</li><li>Develops sophisticated systems and programs that measure aggregate risk exposures.</li><li>Performs model validations and presents results to senior leadership.</li><li>Applies innovative and scientific/quantitative analytical approaches to draw conclusions and make recommendations to answer business objectives and motivate change.</li><li>Translates recommendations into communication materials to effectively present to senior leadership. Recommendations typically have a major impact on business results.</li><li>Provides subject matter expertise in operationalizing recommendations.</li><li>Applies expert knowledge to produce sophisticated analytical material to lead discussions with cross functional teams and senior leadership to understand sophisticated business objectives and influence solution strategies.</li><li>Demonstrates thought leadership in cross functional team environments.</li><li>Drives and crafts cross functional teams in support of initiatives that have significant impact to the enterprise or a core business area.</li><li>Provides direction and mentorship to other team members in the peer review process.</li><li>Expertly communicates analytical results, findings and solutions to governance committees and business process owners and influences business analysis.</li></ul>What you have:<ul><li>Bachelor's degree in Economics, Finance, Statistics, Mathematics, Actuarial Sciences, or other quantitative field (4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree)</li><li>8 years of related quantitative analysis experience in a field relevant to risk management to include statistical analysis, modeling, mathematics or other quantitative field.</li><li>OR advanced degree/designation in Economics, Finance, Statistics, Mathematics, Actuarial Sciences, or other quantitative field and 6 years work experience in a quantitative field relevant to risk management</li><li>OR PhD in Economics, Finance, Statistics, Mathematics, or other quantitative field and up to 4 years work experience in a quantitative field relevant to risk management.</li></ul>What sets you apart:<ul><li>US military experience through military service or a military spouse/domestic partner</li><li>Proven experience in graph database technologies, particularly Amazon Neptune.</li><li>Strong understanding of graph theory and graph algorithms.</li><li>Proficiency in developing and optimizing sophisticated graph queries.</li><li>Experience with ETL processes and data pipeline development.</li><li>Familiarity with fraud detection techniques and identity fraud use cases.</li><li>Strong programming skills in languages such as Python, Java, or similar.</li><li>Excellent problem-solving skills and attention to detail.</li><li>Ability to work collaboratively in a team environment.</li></ul>Compensation range: The salary range for this position is: $164,780 - $296,610. 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. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. 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. 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, visit our benefits page on 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. <img src="https://www.jobg8.com/Tracking.aspx?C23hMFFZ6GyFxk7m9OVdHkFS7nJBJiz%2fx" width="0" height="0" />

SWBC is seeking a talented individual to work with senior leadership and actuaries to ensure adequate reserving of insurance products and effective product pricing.
Why you'll love this role:
In this role, you will be part of a diverse and collaborative team of financial analysts, data analysts, and product leaders. As a Senior Product Financial Risk Analyst, you will play a key role in developing and communicating the risk management position through data-driven insights utilizing internal and external data. This position gives significant executive exposure, business impact, and strategic influence.
Essential duties include the following:
Applies innovative and scientific/quantitative analytical approaches to data driven recommendations supporting business objectives.
Collaborates with actuaries to develop current risk exposure estimates utilizing statistical methods and industry/economic indicators.
Effectively presents and communicates complex data findings to business leaders to help the organization meet challenges and achieve goals. Provides recommendations on the use of information.
Identifies and tracks financial risk factors impacting from customer, operations, and industry indicators.
Supports financial recording, documentation, and communication of financial risk decisions with accounting and external auditors.
Manages Contingent Commission or other Profit Sharing agreements, internal recordings, and reconciliations with carriers.
Mentors, develops, and educates other analysts and business partners in complex financial analysis.
Performs all other duties as assigned.
Serious candidates will possess the minimum qualifications:
Bachelor's degree in quantitative analytics field such as Accounting, Business Analytics, Actuarial Sciences, Finance, Economics, Statistics, or related field.
Relevant advanced degrees and certifications.
Five (5) years in an analytical role required.
Actuarial or Insurance experience required.
Advanced knowledge of data analysis tools and techniques.
Verbal and written communication skills.
Ability to communicate and interact effectively across levels and skillsets.
Ability to work collaboratively and build relationships.
SWBC offers*:
Competitive overall compensation package.
Work/Life balance.
Employee engagement activities and recognition awards.
Years of Service awards.
Career enhancement and growth opportunities.
Leadership Academy and Mentor Program.
Continuing education and career certifications.
Variety of healthcare coverage options.
Traditional and Roth 401(k) retirement plans.
Lucrative Wellness Program.
*Based upon employee eligibility
Additional Information:
SWBC is a Substance-Free Workplace and requires pre-employment drug testing.
Please note, SWBC does not hire tobacco users as allowed by law.
To learn more about SWBC, visit our website at www.SWBC.com. If interested, please click the appropriate apply button.

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Why USAA?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 OpportunityAs a dedicated Bank Credit Risk Analyst Senior, you will be using 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. Owns mitigation of operational and compliance risk inherent in credit strategy. 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. Relocation assistance is not available for this position.What you'll do:<ul><li>Applies industry leading practices and analytical skills to identify risks and opportunities within the handled portfolio and translates results into strategic solutions with the delivery of credit risk strategies.</li><li>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.</li><li>Partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key partners and leadership.</li><li>Analyzes internal and external scores/data for use in identifying first party fraud.</li><li>Applies industry knowledge and driven benchmarking to advise credit strategy development.</li><li>Uses advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and exciting problems.</li><li>Develops, handles, 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.</li><li>Designs and performs complex financial risk sensitivity analysis.</li><li>Builds and handles credit strategy infrastructure and ensures credit strategies are implemented as intended.</li><li>Applies expert programming and analytical techniques to analyze credit data.</li><li>Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.</li><li>Collaborates with key partners to guide & facilitate teams in the development and implementation of key initiatives.</li><li>Applies analytically derived insights to develop strategic plans with significant impact to business results.</li><li>Coaches and mentors other analysts and acts as a leader with vision within the analyst community.</li><li>Ensures risks associated with business activities are optimally identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.</li></ul>What you have:<ul><li>Bachelor’s degree in Business Management, Finance, Economics, Engineering, or in a Mathematical field; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.</li><li>6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area and 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data.</li><li>Experience in financial analysis activities to support risk strategy.</li><li>Strong understanding of banking regulations, risk, and/or compliance.</li><li>Advanced presentation and communication skills.</li><li>Advanced eye for business and attention to detail and accuracy.</li><li>Advanced research and investigation skills and demonstrated good judgement in problem solving.</li><li>Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.</li><li>Advanced 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., SPS or Visual Basic).</li><li>Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.</li></ul>What sets you apart:<ul><li>6+ years of experience with Python, SAS, or SQL to assemble and analyze data; including aggregation from multiple sources, working with different grains of data, identifying, and resolving anomalies, and using sophisticated joins to prepare data for analysis.</li><li>6+ years of experience of credit risk management and analytical projects for consumer lending products, preferably with experience in data driven strategy creation and decision making.</li><li>Experience with credit card origination credit strategy, or valuation (NPV) model for consumer lending products.</li><li>Experience working with cross functional partners and key collaborators to build consensus and drive initiatives.</li><li>Strong written and verbal communication skills with ability to translate analysis results into clear insights and actions.</li><li>US military experience through military service or a military spouse/domestic partner.</li></ul>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: $120,550 - $230,400.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.  Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.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. 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, 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.

Why USAA?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 OpportunityAs a dedicated Credit Risk Analyst Senior, you will use 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. Owns mitigation of operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.This position can work remotely in the continental U.S. with occasional business travel.<h2></h2><h2>What you'll do:</h2><ul><li>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.</li><li>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.</li><li>Partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving sophisticated analytical frameworks, analyzing data and processes, and clearly presenting insights/recommendations to key collaborators and leadership.</li><li>Analyzes internal and external scores/data for use in identifying first party fraud.</li><li>Applies industry knowledge and driven benchmarking to advise credit strategy development.</li><li>Uses sophisticated and multifaceted quantitative analysis based upon internal and external data sources to bring structure and transparency to ambiguous and ambitious problems.</li><li>Develops, leads, 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.</li><li>Designs and performs sophisticated financial risk sensitivity analysis.</li><li>Creates and manages credit strategy infrastructure and ensures credit strategies are implemented as intended.</li><li>Applies expert programming and analytical techniques to analyze credit data.</li><li>Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.</li><li>Collaborates with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives.</li><li>Utilizes analytically derived insights to develop strategic plans with significant impact to business results.</li><li>Coaches and mentors’ other analysts and acts as a thought leader within the analyst community.</li><li>Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.</li></ul>What you have:<ul><li>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.</li><li>6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data.</li><li>Experience in financial analysis activities to support risk strategy.</li><li>Strong understanding of banking regulations, risk, and/or compliance.</li><li>Advanced presentation and communication skills.</li><li>Advanced business acumen and attention to detail and accuracy.</li><li>Advanced research and investigation skills and demonstrated good judgement in problem solving.</li><li>Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.</li><li>Advanced 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., SPS or Visual Basic).</li><li>Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.</li></ul>What sets you apart:<ul><li>Experience with Unsecured Personal Loan origination credit strategy, or valuation (NPV) model for consumer lending products.</li><li>6+ years of experience with Python, SAS, or SQL to assemble and analyze data, including aggregation from multiple sources, working with different grains of data, identifying, and resolving anomalies, and using sophisticated joins to prepare data for analysis.</li><li>6+ years of experience of credit risk management and analytical projects for consumer lending products, preferably with experience in data driven strategy creation and decision making.</li><li>Experience working with cross functional partners and key collaborators to build consensus and drive initiatives.</li><li>Strong written and verbal communication skills with ability to translate analysis results into clear insights and actions.</li><li>US military experience through military service or a military spouse/domestic partner</li></ul>Compensation range: The salary range for this position is: $127,310-$243,340.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.  Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.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. 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, 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.

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