Lead Bank Credit Risk Analyst – Retail Banking

USAA

. Develop credit risk strategies for card, consumer, and deposits credit portfolios to optimize profitable growth within risk appetite .

Posted 11/4/2026full-timeUnited StatesSenior💰 $164,780 - $314,960 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in developing and optimizing credit risk strategies while ensuring compliance with banking regulations. Proficient in advanced quantitative analysis, data integration, and presenting actionable insights to senior leadership.

Highest-signal resume keywords

Credit Risk Strategy DevelopmentAdvanced Quantitative AnalysisData Analysis Tools (SQL, SAS, Python)Banking Regulations KnowledgeLeadership and Mentoring

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisQuantitative ModelingData SegmentationFinancial Risk Sensitivity AnalysisA/B TestingCausal Evaluation MethodologiesData Quality ManagementStatistical AnalysisRisk Reporting DevelopmentCredit Strategy Optimization

Soft Skills

Advanced Communication SkillsProblem SolvingAttention to DetailInfluencing StakeholdersCoaching and Guiding Peers

Tools & Technologies

Microsoft Office (Excel, Word, PowerPoint)Business Intelligence SoftwareAI and LLM-Based Tools

Industry Keywords

FCRAReg BUDAAP/UDAPOCC Heightened StandardsOCC Credit Risk Guidance

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Develop credit risk strategies for card, consumer, and deposits credit portfolios to optimize profitable growth within risk appetite
Own and mitigate operational and compliance risk inherent in credit strategy
Track and monitor credit strategy performance and internal and external factors affecting bank portfolio products
Identify credit risks and opportunities using quantitative methods and translate findings into strategic solutions
Lead analyses, identify root causes, and develop recommendations for credit risk strategy and senior decision-makers
Develop and improve complex analytical frameworks across lines of defense
Analyze internal and external scores and data to identify first-party fraud
Use industry knowledge and competitive benchmarking to inform credit strategy
Lead advanced quantitative analysis using internal and external data sources
Develop, manage, and present comprehensive risk and financial reporting for senior management and committee oversight
Lead complex financial risk sensitivity analysis
Create and manage credit strategy infrastructure and ensure strategies are implemented as intended
Apply programming and analytical techniques to analyze credit data
Provide thought leadership, coaching, and mentoring to analysts and team members
Collaborate with stakeholders to guide development and implementation of key initiatives
Lead teams in developing analytically derived insights and strategic plans
Own or support quantitative model requirements and advanced credit or financial modeling infrastructure
Ensure business risks are identified, measured, monitored, and controlled according to risk and compliance policies

Requirements

What you’ll need

Bachelor's degree; OR 4 years of relevant education and/or experience
8 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments or leading the analysis and interpretation of complex bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 6 years of relevant experience
Strong understanding of banking regulations, risk and/or compliance
Advanced presentation and communication skills
Advanced business acumen and attention to detail and accuracy
Advanced research and investigation skills and demonstrated good judgement in problem solving
Experience influencing cross-functional stakeholders through complex analytical insights and risk-mitigating solutions
Experience developing and improving risk-related reporting
Experience coaching and guiding peers on analytics and/or risk management
Advanced knowledge of Microsoft Office, particularly Excel, Word, and PowerPoint
Advanced knowledge of data analysis tools, including SQL, SAS, or other business intelligence and analysis software for data segmentation, aggregation, and statistics
Knowledge of FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, and OCC credit risk guidance
Proven ability to develop and communicate data-driven credit strategy recommendations and complex analytical findings to senior leadership and stakeholders
Experience translating internal and external industry data into actionable credit and business insights
Expertise in credit strategy experiments, including A/B testing, champion/challenger frameworks, and causal evaluation methodologies
6+ years of experience using SAS, SQL, and analytical programming languages such as Python with large-scale datasets
Experience integrating multiple data sources, managing data granularity, resolving data quality issues, and performing advanced joins
Experience using AI and LLM-based tools to enhance coding productivity and analytical workflows
Track record addressing emerging or ambiguous risk challenges and evaluating macroeconomic and policy impacts on credit
Leadership in managing portfolio-level credit performance and influencing strategy with senior leaders
Experience owning end-to-end credit strategy development, implementation, monitoring, and optimization
Ability to lead, mentor, and develop junior analysts
Ability to independently lead multiple high-priority initiatives simultaneously and navigate ambiguity
Must not require immigration support now or in the future; USAA does not provide visa sponsorship

Benefits

Comp & perks

Pay incentives based on overall corporate and individual performance, at the discretion of the USAA Board of Directors
Comprehensive medical, dental and vision plans
401(k)
Pension
Life insurance
Parental benefits
Adoption assistance
Paid time off program
Paid holidays
16 paid volunteer hours
Various wellness programs
Career path planning
Continuing education assistance
Remote or hybrid flexibility for active-duty military spouses, consistent with applicable policy and business needs