Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

The Opportunity

Employer: USAA Federal Savings Bank  

Tasks:  Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies. Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers. Partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key stakeholders and leadership. Analyzes internal and external scores/data for use in identifying first party fraud. Applies industry knowledge and competitive benchmarking to inform credit strategy development. Utilizes advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems. Develops, manages, and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management. Designs and performs complex financial risk sensitivity analysis. Creates and manages credit strategy infrastructure and ensures credit strategies are implemented as intended. Applies expert programming and analytical techniques to analyze credit data. Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.  Collaborates with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives. Utilizes analytically derived insights to develop strategic plans with significant impact to business results. Coaches and mentors other analysts and serves as a thought leader within the analyst community. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. May telecommute.

Requirements:  Will accept a Bachelor’s degree in Business Management, Finance, Economics, Engineering, Mathematical or related field and 6 years of experience in the job offered or in a related occupation.  Alternatively, will accept a Master’s degree in Business Management, Finance, Economics, Engineering, Mathematical or related field and 4 years of experience in the job offered or in a related occupation. Position requires:

Developing, delivering, deploying, and maintaining effective credit risk strategies using Experian Strategy Design Studio and Experian PowerCurve decision enginesDeveloping business process flowsUnit, integration, and acceptance testingDeveloping line of business specific key indicatorsCreating executable JAR and SER files to implement a business strategy into Production Environment.Consumer Lending Credit Risk Experience including Auto, Other Secured, and UnsecuredExperience with risk frameworks and controlsProviding pre/post credit risk strategies implementation data analysis and reportingSAS, SQL, and SnowflakeKnowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE, HMDA/REG C, TILA/REG Z, RESPA/REG X, FDPA, ECOA/Reg B, SCRA, BSA/AML, GLBA/REG P

Worksite: 9800 Fredericksburg Road, San Antonio, Texas 78288

Relocation assistance is Not Available for this position.

This position is eligible for the Employee Referral Program.

#DNP

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.

 

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

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.

 

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, 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.