Why USAA?At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!The OpportunityOur Credit Risk Analytics team drives oversight of Deposits and Credit Fraud through analytics of business strategies and portfolio health. This outstanding opportunity will enable the Credit Risk professional to collaborate with others across the bank business divisions, risk management, and the USAA Enterprise in the management and assessment of credit risk.We are looking for a dedicated Credit Risk Analytics Manager Lead - Deposit Oversight. This role involves using quantitative methods to assess risks and opportunities within the Deposit Credit Risk space. The ideal candidate will have risk management experience in a complex institution and/or a highly matrixed environment related to financial services.Key qualifications for this position include:
Understanding of deposit account loss exposures and mitigation strategies.
Strong analytical, technical, and statistical skills.
Ability to synthesize/analyze diverse information, develop recommendations, and make decisions.
This position can work remotely in the continental U.S. with occasional business travel.Relocation assistance is not available for this position.What you'll do:
Demonstrates industry leading practices and experienced analytical difficulty to lead assessments of risks and opportunities across the Bank’s consumer portfolios and translate results into strategic solutions.
Leads resilient, risk/return optimized, well governed Bank risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and succinctly communicating insights to diverse and senior leader audiences.
Applies expert knowledge to implement advanced quantitative analysis across departments and programs.
Leads development of nuanced qualitative analysis that brings structure and clarity to ambiguous and challenging bank or enterprise problems.
Provides effective challenge to risk proposals in designated risk area of credit, market, operations, product, strategic, through detailed research and vetting, using banking product, regulatory, and industry knowledge and critical thinking skills to ensure strong portfolio performance outcomes.
Responsible for and leads the design and implementation of effective risk management frameworks that enable strong identification, measurement, and mitigation of risk in a complex environment.
Leads the development and maintenance of comprehensive risk reporting suite in support of management and committee oversight of existing and emerging risks.
Applies analytically derived insights to implement strategic decisions with significant impact to business results.
Efficiently leads work results by providing thought leadership, coaching, and mentoring to team members regarding analytics and risk management.
May lead implementation of credit and/or financial modeling infrastructure.
What you have:
Bachelor's degree or 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree
8 years experience in an analytical field or focused on leading risk management execution, advanced analytics and risk assessments OR 6 years experience in an analytical field or passionate about risk management execution, analytics or risk assessments with an advanced degree in a quantitative, scientific, engineering, business or technical fields. OR an equivalent level of evidenced, demonstrated proficiencies in industry leading risk management execution, advanced analytics, and risk assessments.
3 years prior industry leading analytical experience in a financial services or highly regulated environment.
Ability to independently drive high impact projects to successful completion.
Experience delivering cross functional action plans by communicating complex analytical insights and compelling risk mitigating solutions.
Proven ability to provide effective challenge to senior leaders regarding risks and opportunities.
Demonstrated experience applying critical thinking skills in reviewing strategy or risk proposals to ensure successful portfolio performance outcomes.
Experience crafting and implementing effective risk management frameworks.
Experience mentor and guiding peers on analytics and/or risk management.
Demonstrated knowledge of relevant laws, rules and regulations, such as mentorship and requirements associated with OCC Heightened Standards.
Ability to ensure regulatory adherence of relevant work results within scope of role.
Solid understanding of current analytical coding languages such as Python, SAS, or SQL.
What sets you apart:
Risk management experience in a complex institution and or highly matrixed environment related to financial services
Understanding of deposit account loss exposures and mitigation strategies
Strong analytical, technical, and statistical skills. Ability to synthesize / analyze diverse information, develops recommendations, and makes decisions.
Data science and analytics experience using SQL, SAS, and visualization tools (Tableau) preferred
Excellent verbal and written communication and social skills required with ability to present critical issues to management.
Proven track record to evaluate the business climate, anticipate change and develop compensating strategies/vision.
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: $138,230 - $264,200 .Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.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, please 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.If you are an existing USAA employee, please use the internal career site in OneSource to apply.Please do not type your first and last name in all caps.Find your purpose. Join our mission.USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.
