Senior Risk Management Analyst for Consumer Lending

3 weeks ago


Phoenix, Arizona, United States Usaa Full time

At USAA, we strive to make a real impact for our members by leveraging data-driven strategies and advanced analytics. As a dedicated Senior Risk Management Analyst for Consumer Lending, you will play a crucial role in identifying credit risks, developing strategic solutions, and monitoring portfolio performance.

This position offers a flexible work environment with the option to work from one of our locations in San Antonio, TX; Plano, TX; Phoenix, AZ; Colorado Springs, CO; Charlotte, NC; or Tampa, FL. Relocation assistance is not available for this position.

Key Responsibilities
  • Apply industry-leading practices and analytical skills to identify risks and opportunities within handled portfolios, translating results into strategic solutions that drive credit risk strategy development.
  • Utilize critical thinking skills to synthesize analyses, identify root causes, and develop clear, concise recommendations that influence senior decision-makers.
  • Partner with stakeholders 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.
  • Analyze internal and external scores/data to identify first-party fraud.
  • Apply industry knowledge and driven benchmarking to advise credit strategy development.
  • Employ advanced and nuanced quantitative analysis based on internal and external data sources to bring structure and clarity to ambiguous problems.
  • Develop, handle, and present comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks, escalating quality and direction of credit performance to appropriate levels of management.
  • Design and perform complex financial risk sensitivity analysis.
  • Build and handle credit strategy infrastructure, ensuring credit strategies are implemented as intended.
  • Apply expert programming and analytical techniques to analyze credit data.
  • Provide thought leadership, coaching, and mentoring to team members regarding analytics and risk management.
  • Collaborate with key partners to guide and facilitate teams in the development and implementation of key initiatives.
  • Apply analytically derived insights to develop strategic plans with significant impact on business results.
Requirements
  • Bachelor's degree in Business Management, Finance, Economics, Engineering, or a Mathematical field; or 4 years of related experience may be substituted in lieu of degree.
  • 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 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.
  • Experience in financial analysis activities to support risk strategy.
  • Strong understanding of banking regulations, risk, and/or compliance.
  • Advanced presentation and communication skills.
  • Advanced eye for business and attention to detail and accuracy.
  • Advanced research and investigation skills and demonstrated good judgment in problem-solving.
  • Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
  • 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).
  • Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.
Preferred Qualifications
  • 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.
  • 6+ years of experience in credit risk management and analytical projects for consumer lending products, preferably with experience in data-driven strategy creation and decision-making.
  • Experience with credit card origination credit strategy or valuation (NPV) model for consumer lending products.
  • Experience working with cross-functional partners and key collaborators to build consensus and drive initiatives.
  • Strong written and verbal communication skills with the ability to translate analysis results into clear insights and actions.
About the Opportunity

We offer a competitive salary range of $120,550 - $230,400 based on location. In addition to your salary, you'll enjoy best-in-class benefits, including 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.

Our career path planning and continuing education assist employees with their professional goals. We're committed to creating an inclusive workplace where everyone feels valued, respected, and empowered to contribute their best work.



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