Senior Credit Risk Analytics Manager – Emerging Risk

USAA

. Serve as a Second Line of Defense partner focused on identifying and assessing emerging risks across consumer lending, deposits, real estate, and debt solutions portfolios .

Posted 9/15/2026full-timeSan Antonio • Texas • United StatesSenior💰 $127,310 - $243,340 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in risk management frameworks, advanced quantitative analysis, and regulatory compliance within financial services. Proficient in developing analytical reporting and communicating complex findings to stakeholders and leadership.

Highest-signal resume keywords

Risk Management FrameworksAdvanced Quantitative AnalysisAnalytical Coding LanguagesFinancial Services ExperienceRegulatory Compliance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Data AnalysisFinancial ModelingRisk AssessmentScenario-Based AnalysisAnalytical ReportingQuantitative AnalysisCredit ModelingStatistical AnalysisRisk Sensitivity AnalysisCritical Thinking

Soft Skills

CommunicationCoachingMentoringLeadershipProblem Solving

Tools & Technologies

PythonSASSQL

Industry Keywords

Consumer LendingRegulatory StandardsMacroeconomic IndicatorsMarket TrendsOCC Heightened Standards

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Serve as a Second Line of Defense partner focused on identifying and assessing emerging risks across consumer lending, deposits, real estate, and debt solutions portfolios
Monitor economic, regulatory, industry, and market trends and assess impacts on customer behavior, portfolio performance, and overall risk exposure
Provide forward-looking insights supporting business and risk management decisions
Develop and improve complex analytical frameworks across lines of defense
Analyze data and processes and communicate information and insights to stakeholders and leadership
Develop advanced quantitative analyses using internal and external data sources
Challenge risk proposals through research and vetting using banking product, regulatory, and industry knowledge
Design, build, and maintain risk management frameworks for identifying, measuring, and mitigating risk
Develop and oversee comprehensive risk reporting for management and committee oversight
Design complex financial risk sensitivity analyses
Provide thought leadership, coaching, and mentoring to team members
Execute or implement advanced credit and/or financial modeling infrastructure
Ensure business-related risks are identified, measured, monitored, and controlled according to risk and compliance policies and procedures

Requirements

What you’ll need

Bachelor's degree in Business Management, Finance, Economics, Engineering, or Mathematics; OR 4 years of relevant education and/or experience
6 years of experience in an analytical field or work focused on leading risk management execution, assessments or advanced analytics; OR 4 years of experience with an advanced degree in a quantitative, scientific, engineering, business or technical field; OR equivalent demonstrated competencies
2 years of prior analytical experience in a financial services or highly regulated environment
Experience developing and maintaining analytical reporting
Experience applying critical thinking skills to support successful performance outcomes
Demonstrated awareness of relevant laws, rules and regulations, including OCC Heightened Standards
Strong knowledge of current analytical coding languages such as Python, SAS, or SQL
Ability to assess evolving economic, industry, regulatory, and geopolitical conditions affecting consumer lending portfolios, customer behavior, and portfolio performance
Strong understanding of macroeconomic indicators, market trends, and external risk drivers
Ability to identify, evaluate, and communicate emerging risks and opportunities in ambiguous environments
Experience developing forward-looking risk assessments and scenario-based analyses
Experience presenting complex analytical findings and risk perspectives to senior executives, risk committees, or business leaders
US military experience through military service or a military spouse/domestic partner
Must not require immigration support or visa sponsorship now or in the future

Benefits

Comp & perks

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
Remote or hybrid flexibility may be offered for active-duty military spouses consistent with applicable policy and business needs
Pay incentives may be available based on overall corporate and individual performance and at the discretion of the USAA Board of Directors