Lead Bank Credit Risk Analyst – Retail Banking

USAA

Bank Credit Risk Analyst Lead leveraging advanced analytics to optimize portfolio performance within USAA's banking services. Responsible for identifying and quantifying risks while developing credit strategies.

Posted 6/19/2026full-timeSan Antonio • Arizona, Colorado, Florida, North Carolina, Texas • 🇺🇸 United StatesSenior💰 $164,780 - $314,960 per yearWebsite

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Leverages, applies and shares 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
Leverages banking product knowledge and critical thinking skills to lead analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers
Leads and 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 senior leadership
Leads the analysis of internal and external scores/data for use in identifying first party fraud
Leverages industry knowledge and competitive benchmarking to lead, inform, and influence credit strategy development
Proactively Identifies the need for and leads development of advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems
Responsible for the development, management, and presentation of 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
Leads the design and execution of complex financial risk sensitivity analysis
Leads the creation and management of 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
Leads and coaches team to develop analytically derived insights and the lead to strategic plans with significant impact to business results
Coaches and mentors other analysts and acts as a thought leader within the analyst community
May have model ownership responsibilities and drive accountability for quantitative model requirement definition and/or implementation of advanced credit and/or financial modeling infrastructure
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures

Requirements

What you’ll need

Bachelor's degree; OR 4 years of relevant education and/or experience
8 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments or leading the analysis and interpretation of complex bank credit risk data to align to team strategy; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments or leading the analysis and interpretation of complex bank credit risk data to align to team 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
Experience influencing cross functional stakeholders to action by communicating complex analytical insights and risk mitigating solutions
Experience developing and improving a variety of risk related reporting
Experience coaching and guiding peers on analytics, and/or risk management
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

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

✓ Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

advanced analyticscredit risk analysisquantitative analysisfinancial modelingdata analysisSQLSASbusiness intelligencerisk assessmentcredit strategy development

Soft Skills

critical thinkingcommunicationcoachingmentoringproblem solvingattention to detailbusiness acumeninfluencingcollaborationleadership