Lead Credit Risk Analyst

Job Location:  US-TX-San Antonio Job Category:  Accounting/Finance/Insurance Status:  Full Time, Employee Job Reference #:   4862 C Share our pride. Join our mission. As a Fortune 200 financial services company with more than $113.5 billion in owned and managed assets, USAA is on a mission — to facilitate the financial security of our members, the men and women of the U.S. military and their families worldwide. Headquartered on a showcase campus in San Antonio, TX, USAA attributes its long-standing success to its most valuable resource, our 22,000 employees. They are the heart and soul of our member-service culture. Recently Ranked #1 by Business Week in Customer Service, we are recognized for the superior service we provide to our members, and the exemplary work environment we provide for our employees. Everything that happens at USAA is based on our core values: Service, Loyalty, Honesty, and Integrity. These are the foundations of how we do business with our members, as well as how we treat each other. USAA is currently seeking a talented Lead Credit Risk Analyst for our San Antonio, Texas location. As a Lead Credit Risk Analyst for USAA, you will measure, monitor, and analyze historical trends and external factors impacting the credit risk exposure for loan products. You will develop detailed analysis, utilizing sophisticated analytical and financial modeling and statistical techniques to predict, evaluate and manage the credit risks across various loan portfolios. You will assess lending product/portfolio performances specific to credit loss and financial elements. Lead Credit Risk Analyst Job Duties: Utilize industry information, modeling programs, and systems to develop and validate analytical models that estimate future credit risk and losses at the account level for all existing and prospective loan products. Present results and recommendations to Senior Management for credit risk management strategies. Develop and review strategies using the various risk scores such as credit bureau, application, behavior, bankruptcy and USAA relationship scores. Analytically derive appropriate score cutoffs for various marketing campaigns and ongoing account management strategies. Develop risk tracking analysis and risk performance measures, such as custom score cards, for all Bank loan products. Present results and recommended changes to senior management. Develop and validate analytical models (by back-testing the models) that can explain financial and performance trends in various segments of the bank's loan portfolio and uses them to forecast future trends. Work with all lines of business, Financial Risk Management and Marketing to develop new products and product offers to manage and appropriately price the credit risk of the Bank and support Bank and USAA market and financial goals. Provide technical expertise on special projects for the Bank and USAA. Work directly with executive management, Marketing, and team members to develop, implement and validate products, programs, and portfolio management strategies to minimize credit risk in loan products while optimizing financial returns. Qualified candidates need to possess: Bachelor's degree in economics, finance, mathematics, actuarial sciences, similar disciplines, or equivalent experience. 5+ years' financial and/or Credit Risk analysis experience. Expert level SAS skills. Proficiency with Microsoft Office Tools. Ability to manage and analyze large amounts of data. Strong analytical and statistical analysis skills. Preferred experience includes: Graduate degree in Economics, Statistics, or Actuarial Sciences or similar discipline. Advanced Analytical skills including: survival analysis, forecasting time series, score-cards or custom score development and validation. Proficiency in SQL data retrieval languages. Understanding of the Banking business and financial concepts. Current or recent Marketing Analytics or Actuary work. USAA also offers a variety of on-site services and conveniences to help you manage your work and personal life, including seven cafeterias, two company stores and three fitness centers. Relocation assistance is available for this position. USAA is an Equal Opportunity Employer. At USAA our employees enjoy one of the best benefits packages in the business, including business casual dress environment, comprehensive medical, dental and vision plans, along with wellness and wealth building programs. Additionally, our career path planning and continuing education will assist you with your professional goals. Qualified applicants must successfully complete a pre-employment background and drug screen.