At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One. **Job Description** **Credit Risk Administration – Credit Insights Leader** We are seeking a Credit Insights Leader within the Credit Transformation, Data Strategy and Insights team which is part of our Credit Risk Administration (CRA) team. We seek an experienced leader to oversee reporting resources, implement new technologies and tools, advance data modeling and analytics, promote and implement cloud scalable solutions, and strengthen data governance. **About the Credit Risk Administration (CRA) Team** We are a highly dynamic and talented team which delivers on our mission through four pillars: Customer, Process, Talent, and Data. **Vision |** We create the future of credit risk management through data, analytics, and risk process innovation for our customers. **Mission |** We deliver data-driven information solutions to protect our stakeholders and inform the most significant financial decisions in the bank. **Values |** In addition to U.S. Bank core values, we prioritize collaboration, integrity, simplicity, and continuous learning. **About the Role** In this role, you will lead a team responsible for both the transformation and oversight of credit risk reporting processes that support Credit Risk Management across wholesale and retail portfolios. You will balance hands-on management of reporting operations with strategic modernization, driving automation and process innovation to deliver timely, accurate, and actionable information for portfolio risk managers and business lines. You will lead the development of an offshore team to support enterprise strategies around global delivery. You will own and evolve the credit risk reporting vision, integrating new technologies, strengthening governance, and ensuring alignment with enterprise-wide data strategies. This role is central to both day-to-day operational excellence and the advancement of our reporting platforms, supporting teams across Credit Risk Management. You will represent credit risk reporting in key initiatives, collaborating with Business Line Stakeholders, Risk Managers, Technology teams, Data Domain Owners, and reporting functions to gather requirements, define priorities, and deliver scalable solutions. You will also partner with enterprise leaders to align reporting processes with broader data strategy and governance standards. **Key Activities** + Lead a team to redesign and transform credit risk reporting processes, supporting portfolio risk managers and business lines. + Oversee an extensive inventory of wholesale and retail reports, ensuring operational excellence and regulatory compliance. + Lead the design and implementation of credit reporting strategy, including governance, new technology adoption, and modernization. + Oversee BAU reporting processes (i.e. Month and Quarter End Close), ensuring data quality, operational continuity, and regulatory compliance. + Drive the modernization of reporting platforms, integrating new technologies and automating processes using Power Apps, Power Automate, PowerBI, data models, and deployment pipelines. + Collaborate with Subject-Matter Experts in Credit Risk Management (CRM) to gather requirements, design data models, and implement robust validation and reconciliation controls. + Champion the satisfaction of report end-users by executing reliable, controlled, and scalable reporting processes. + Build strong relationships with internal customers and stakeholders, communicating vision and plans to analysts, risk managers, and senior leadership. + Support system conversions and cloud migration efforts, ensuring seamless integration and minimal disruption. + Leverage AI tools and platforms, including Microsoft Copilot, to enhance productivity, automate processes, and support reporting workflows. + Lead and mentor a team of reporting professionals, fostering innovation and continuous improvement. + Support global delivery efforts. + Ensure procedural documentation and strong controls to support third party reviews. **Core Competencies:** + Deep understanding of credit data across Commercial, Wholesale, and Retail portfolios. + Extensive experience in data, governance, and analytics within financial services. + Credit data governance and regulatory knowledge (e.g., Basel III, Category II, CCAR, CECL, Regulatory Submissions FRY14). + Cloud data architecture and open-source tooling (e.g., Spark, Airflow, AWS, Azure, Snowflake, Databricks). + Familiarity with AI-driven tools and automation platforms (e.g., Microsoft Copilot, Microsoft Power Platform) to streamline data operations and accelerate data delivery. + Strong analytical skills for researching and remediating reporting issues. + Proven ability to manage staff with competing priorities and deliver results under pressure. + Excellent communication skills for engaging with cross-functional teams and senior leadership. + Technical fluency in SQL, Python, or similar languages, and proficiency with Power Platform tools (Power Automate, Power Apps, PowerBI). **Basic Qualifications** + Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent work experience). + 10 or more years at a financial institution working in one or combination of reporting and information, decision science, credit portfolio, data management, data governance, data quality, or data analytics. + Extensive knowledge of credit risk data across commercial and retail lending portfolios. + 3 or more years of management experience (including leading multidisciplinary development teams) **Preferred Skills** + Strong understanding of credit decisioning metrics such as credit score, loan-to-value, risk ratings, and debt service coverage ratio. + 10+ years of hands-on experience with programming languages such as Python, SQL and SAS. + Proficiency with big data technologies including Hadoop, Hive, and Spark. + Experience designing and implementing data lineage frameworks and enterprise data model architectures. + Familiarity with version control systems and collaborative development workflows like GitLab, GitHub. + Expertise in visual analytics tools such as Power BI, Tableau, or equivalent platforms. + Experience with Power Platform tools such as Power Automate and Power Apps. + Proven track record in automating and optimizing ETL processes at scale. + Working knowledge of SOX controls and quality assurance frameworks in financial services. + Experience building robust data controls, validation checks, and audit-ready reporting pipelines. + Strong familiarity with both Microsoft and Linux/UNIX environments. + Hands-on experience with cloud platforms (e.g., Azure, AWS, GCP) and cloud-native data services. + Excellent written and verbal communication skills for documenting technical processes and engaging with cross-functional teams. + Demonstrated ability to synthesize complex data analysis into actionable insights for senior management. + General knowledge of finance, banking, and accounting principles relevant to credit risk. + Experience supporting regulatory initiatives such as CCAR, CECL, DFAST, or Basel III. + Proven ability to work independently and collaboratively across multidisciplinary teams. + Strong project management skills and experience leading data-driven transformation initiatives. If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) . **Benefits:** Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours): + Healthcare (medical, dental, vision) + Basic term and optional term life insurance + Short-term and long-term disability + Pregnancy disability and parental leave + 401(k) and employer-funded retirement plan + Paid vacation (from two to five weeks depending on salary grade and tenure) + Up to 11 paid holiday opportunities + Adoption assistance + Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. **E-Verify** U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) . The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $170,255.00 - $200,300.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. **Posting may be closed earlier due to high volume of applicants.**