Credit Risk Review Data Analyst - Review Manager (Senior)

Why USAA?Let’s do something that really matters.
At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.
We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

The Opportunity

The Credit Risk Review (CRR) group, led by the Head of CRR, is responsible for independently evaluating the USAA Federal Savings Bank’s (Bank) credit risks of exposures from both lending and non-lending activities to opine upon the effectiveness of first line and second line of defense credit risk management practices and credit quality in fulfillment of regulatory expectations for safety and soundness.

• CRR reports administratively through Audit Services, functionally to the USAA and Bank Boards of Directors, is governed by the Enterprise CRR Policy and the Interagency Guidance for CRR Systems

• CRR conducts its work through execution of its programs in adherence with the CRR business plan. The CRR Programs include but are not limited to Continuous Monitoring, Periodic Reviews, and Portfolio Assessments.

• Results are reported to executive & senior management, the USAA Board of Directors’ Risk & Compliance Committee, the Bank Board of Directors’ Risk Committee, and the Bank Credit Risk Management Committee.

The primary focus of the CRR Data Analytics Team is to develop and drive data analytics solutions in support of the CRR group. It is responsible for data acquisition, preparation, wrangling, presentation, and visualization in collaboration with the Review Teams.

The CRR Data Analytics Review Manager (Senior) is responsible for analytics, internal projects and initiatives, and adoption of analytical approaches.

• Owns, leads, and executes high-quality analytic credit risk tests and data analytics for the CRR function.

• Systematically evaluates and improves the effectiveness of the CRR Programs through data, automation, and continuous innovation.

• Contribute, leads, and executes analytically using data about the Bank’s Retail Lending credit portfolios in Auto, Credit Card, Deposits, Real Estate Lending, Recreational, and Unsecured loans.

• Engages with various levels of colleagues and management across the CRR group by finding new opportunities for integrating data analytics and solutions. Identifies continuous analytics and/or automation solutions within assigned CRR reviewable entities, activities, and bodies of work.

• Defines use cases and collaborates with CRR teams to embed the solutions in their processes

• Participates and/or leads data analytics discussions within the CRR Programs with CRR and business partners. Engages with peers, managers, and leaders across the enterprise, and serves as an advisor to the leadership team

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX or Plano, TX. Relocation assistance is not available for this position.

What you'll do:

• 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 acts 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.

What you have:

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

• 6 years of 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 in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments or bank credit risk data.

• 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 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.

What sets you apart:

• 3 years of experience in SAS, Tableau, Power BI, Alteryx, SQL, RPA, Power BI, or other data analysis tools

• 3 years of experience working on data and analytics in an audit, CRR, risk, or similar controls functional business area

• 2 years of experience building visualization analytics to present scenarios from the data and storytelling in an audit, CRR, risk, or similar controls function

• Experience in Databases; Data Architecture, Data Modeling, Data Loads

• Ability to proactively identify issues and propose resolution options

• Proficient in analyzing multiple sources of data to derive insights towards CRR objectives

• Experience building continuous reporting and/or automation solutions that support risk identification

• Familiarity using CRR or Governance Risk and Compliance (GRC) software such as Archer or other related tools

• CRR, audit, controls, or other risk management experience

What we offer:

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. The salary range for this position is: $120,550 - $230,400. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

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, please 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.