Credit Risk Analyst Senior- Retail Bank at USAA
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Credit Risk Analyst Senior- Retail Bank

Job ID
Date posted

Purpose of Job

USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.

Using a level of expertise, develops, proposes and delivers credit risk strategies for deposit and consumer credit portfolios to optimize profitable growth within risk appetite. Owns operational and compliance risk inherent in credit strategy. Tracks and monitors credit strategy performance as well as external factors impacting the credit risk exposure for bank portfolio products within the risk taxonomy.

USAA values a culture that is highly collaborative, and we have found that a hybrid work type helps employees gain the best of both worlds – collaborating in-person in the office and working from home. The actual onsite days are settled between each employee and the employee’s manager. Candidates are expected to live a commutable distance from of one of our offices in San Antonio TX or Plano, TX. This position also has the option to be remote.

Job Requirements

  • Identifies and runs existing and emerging risks that stem from business activities and the job role.

  • Ensures risks associated with business activities are optimally identified, measured, supervised, and controlled.

  • Follows written risk and compliance policies, standards, and procedures for business activities.

  • Applies experienced programming and analytical techniques to analyze deposit and credit data.

  • Applies advanced knowledge of the business, its products, and processes to find opportunities for improvement and tailor credit strategies to the needs of the business.

  • Synthesizes analyses, identifies root causes, and develops clear and concise recommendations to drive credit risk strategies to influence senior decision makers.

  • Recognizes opportunities to improve credit risk strategies and builds support for recommendations.

  • Guides team members in the development and delivery of their work products.

  • Independently carries out existing and develops new portfolio reporting to monitor credit strategy and escalates the quality and direction of credit performance to appropriate levels of management.

  • Assembles key participants and guides and facilitates teams in the development and implementation of key initiatives.

  • Conducts detailed analysis, applying sophisticated analytical and financial modeling and statistical techniques to predict and evaluate the credit risk within a loan portfolio according to operational risk and compliance standards.

  • Performs complex, multi-factor credit risk assessments and recognizes appropriate credit risk strategies to be developed and implemented.

Minimum Qualifications:

  • Bachelor’s degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area; OR 4 years of related experience (in addition to the minimum years of experience required- total: 10 years) may be substituted in lieu of degree.

  • 6 years of experience in consumer credit risk analysis; OR if Master’s Degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area, 4 years of experience consumer credit risk analysis.

  • Strong understanding of banking regulations, risk, and/or compliance.

  • Advanced eye for business and attention to detail and accuracy.

  • Advanced research, investigation skills and good judgement skills.

  • Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.

  • Advanced knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics (E.g. SPS or Visual Basic).

  • Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE

Preferred Qualifications:

  • Experience with SAS, Tableau, R, Python and/or other programming/reporting tools

  • Experience with variable analysis and risk segmentation techniques

  • Experience working with transactional level data for Deposit products or Credit products

  • Experience in developing quantitative risk rules

  • Experience in developing risk strategies for Credit Cards or other lending products

  • Experience in developing risk strategies for Deposit Underwriting, Deposit Limits, Deposit Holds or Deposit Account Overdraft Solutions

  • Experience at large or complex bank/financial institutions

  • Experience with communicating and presenting complex concepts to executive leadership

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.


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 position. The salary range for this position is: $88,200-158,900*.

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

*Geographical Differential: Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.

Shift premium will be addressed on an individual basis for applicable roles that are consistently scheduled for non-core hours.


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.

To see details on our outstanding benefits, visit USAA Total Rewards.

Relocation assistance is not available for this position.

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.