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USAA

Bank Credit Risk Analyst – Retail Banking

USAA

. use quantitative methods to identify credit risk .

Posted 5/23/2026full-timeSan Antonio • Texas • 🇺🇸 United StatesMid-LevelSenior💰 $93,770 - $179,240 per yearWebsite

Tech Stack

Tools & technologies
PythonSQL

About the role

Key responsibilities & impact
  • use quantitative methods to identify credit risk
  • develop and deliver credit strategies
  • monitor credit performance for consumer credit portfolios
  • mitigate operational and compliance risk inherent in credit strategy
  • track and monitor internal and external factors impacting credit strategy performance for bank portfolio products
  • apply critical thinking skills to synthesize analyses
  • assist in delivering Bank credit risk strategies across lines of defense
  • utilize quantitative analysis based upon internal and external data sources
  • develop and present comprehensive risk and financial reporting

Requirements

What you’ll need
  • Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4 years of related experience may be substituted in lieu of degree
  • 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments
  • Understanding of banking regulations, risk and/or compliance
  • Strong presentation and communication skills
  • Good business acumen and attention to detail and accuracy
  • Strong research, investigation skills and demonstrated good judgement in problem solving
  • Strong knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint
  • Strong 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., SPSS, Python, R or Visual Basic)

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 plus 16 paid volunteer hours
  • various wellness programs
  • career path planning and continuing education

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools
quantitative methodscredit risk analysiscredit strategy developmentrisk assessmentdata analysisSQLSASSPSSPythonR
Soft Skills
critical thinkingpresentation skillscommunication skillsbusiness acumenattention to detailproblem solvingresearch skillsinvestigation skillsjudgmentanalytical thinking