Credit Risk Analytics Manager Senior – Collections and Recovery

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

The Opportunity

This Second Line role is focused on oversight of debt collections strategies and treatments used by operational units to mitigate credit risk. Requires collaboration with collections operations and other stakeholders to implement and monitor the effectiveness of risk mitigation initiatives to improve portfolio performance and reduce risk exposure.

As a dedicated Credit Risk Analytics Manager Senior, you will manage quantitative credit/behavioral/financial analytics or predictive modeling to assess risks and opportunities and provides recommendations for Bank consumer portfolios. Provides effective challenge for risk and strategy proposals.

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, Plano, TX and Phoenix, AZ. Relocation assistance is not available for this position.

What you'll do:

• Applies industry leading practices and analytical rigor to manage and assess risks and opportunities across the Bank’s consumer portfolios and translates results into strategic solutions.
• Partners to deliver on Bank strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating information and insights to key stakeholders and leadership.
• Applies industry knowledge to develop advanced and nuanced quantitative analysis utilizing extensive internal and external data sources to bring structure and clarity to ambiguous and challenging problems.
• Challenges risk proposals in designated risk area of credit, market, operations, product, or strategic,,) through detailed research and vetting, leveraging banking product, regulatory and industry knowledge, and critical thinking skills to ensure strong portfolio performance outcomes.
• Designs, builds, and may assist in maintaining effective risk management frameworks that enable identification, measurement, and mitigation of risk in a complex environment.
• Develops and oversees comprehensive risk reporting in support of management and committee oversight of existing and emerging risks.
• Designs complex financial risk sensitivity analysis.
• Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.
• May execute or implement advanced credit and/or financial modeling infrastructure.

What you have:

• 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.
• 6 years experience in an analytical field or work focused on leading risk management execution, assessments or advanced analytics OR 4 years experience in an analytical field or focused on risk management execution, analytics or risk assessments with an advanced degree in a quantitative, scientific, engineering, business or technical field OR an equivalent level of demonstrated competencies in industry leading risk management execution, advanced analytics, and risk assessments.
• 2 years prior analytical experience in a financial services or highly regulated environment.
• Experience delivering cross functional action plans by communicating complex analytical insights and compelling risk mitigating solutions.
• Experience developing and maintaining analytical reporting.
• Experience applying critical thinking skills to support successful performance outcomes.
• Demonstrated awareness of relevant laws, rules and regulations, such as guidance and requirements associated with OCC Heightened Standards
• Strong knowledge of current analytical coding languages such as Python, SAS, or SQL.

What sets you apart:

• Comprehensive understanding of credit risk principles, methodologies, and the entire credit lifecycle, with a specific focus on collections strategies, their associated risks, and their impact on portfolio performance.
• Familiarity with relevant banking regulations and compliance requirements related to lending and collections (e.g., Fair Debt Collection Practices Act (FDCPA), Dodd-Frank Act). Prior experience navigating regulatory examinations and audits related to credit risk and collections is valuable.
• Direct experience evaluatin