Senior Analyst, Credit Risk Strategy

USAA

. Identify risks and opportunities within managed portfolios and translate findings into credit risk strategies.

Posted 11/4/2026full-timeUnited StatesSenior💰 $127,310 - $243,340 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk strategy development, advanced quantitative analysis, and financial risk sensitivity analyses. Proficient in utilizing data analysis tools and methodologies to inform decision-making and optimize credit strategies.

Highest-signal resume keywords

Credit Risk Strategy DevelopmentAdvanced Quantitative AnalysisData Analysis Tools (SQL, SAS)Financial Risk Sensitivity AnalysisBanking Regulations Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalyticsFinancial AnalysisStatistical ModelingA/B TestingData AggregationRisk AssessmentAnalytical Framework DevelopmentConsumer Loan Credit StrategyFraud AnalysisRisk Monitoring

Soft Skills

Advanced Communication SkillsAttention to DetailProblem SolvingCoaching and MentoringBusiness Acumen

Tools & Technologies

Microsoft ExcelMicrosoft PowerPointMicrosoft WordSASSQLExperian SandboxBusiness Intelligence Software

Industry Keywords

FCRAReg BUDAAP/UDAPOCC Heightened StandardsOCC Credit Risk Guidance

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Identify risks and opportunities within managed portfolios and translate findings into credit risk strategies.
Synthesize analyses, identify root causes, and develop recommendations for credit risk strategy development 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 development.
Perform advanced quantitative analysis using internal and external data sources.
Develop, manage, and present risk and financial reporting for senior management and committee oversight.
Design and perform complex financial risk sensitivity analyses.
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.
Develop strategic plans from analytical insights to significantly impact business results.
Identify, measure, monitor, and control risks in accordance with risk and compliance policies and procedures.
Travel occasionally for business.

Requirements

What you’ll need

Bachelor’s degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4 years of related experience may be substituted in lieu of degree.
Minimum 6 years’ 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 and 4 years’ experience in the specified analytical fields.
Experience in financial analysis activities to support risk strategy.
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.
Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
Advanced knowledge of data analysis tools, including SQL, SAS, or other business intelligence and analysis software applications.
Knowledge of FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, and OCC credit risk guidance.
6+ years of experience with consumer credit risk analytics focused on card, auto, personal loans, deposits, and other consumer loan credit strategy development, implementation, and monitoring.
Experience preparing and communicating credit strategy recommendations and complex analysis results to senior leadership and cross-functional partners.
Experience delivering business insights and recommendations through internal and industry data analysis.
6+ years of experience with SAS or SQL to gather and analyze data, including multi-source aggregation, different data grains, anomaly resolution, and sophisticated joins.
Experience crafting tests, such as A/B tests, and evaluating outcomes.
Experience driving multiple analytics projects and strategies forward with limited guidance.
Experience optimizing underwriting criteria using statistical models and traditional and alternative credit data.
Experience working with Experian Sandbox and alternate data sources such as LexisNexis.
Must not require immigration support or visa sponsorship now or in the future.

Benefits

Comp & perks

Employees may be eligible for pay incentives based on overall corporate and individual performance and 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 with paid holidays
16 paid volunteer hours
Various wellness programs
Career path planning
Continuing education assistance