Bank Credit Risk Analyst Lead – Retail Banking

USAA is hiring a Bank Credit Risk Analyst Lead – Retail Banking in Tampa, Florida, where you'll turn complex data and forward-looking economic signals into credit strategies that protect and strengthen the portfolio. This is a senior, hands-on role for an analytics leader who thrives on bringing clarity to ambiguous, high-stakes problems.

About the Role

As a Bank Credit Risk Analyst Lead at USAA, you will apply advanced analytics to surface emerging and non-traditional risks before they materialize. By interpreting macroeconomic, regulatory, and industry trends, you'll shape actionable strategies that keep portfolio performance aligned with the bank's risk appetite while partnering across lines of defense to inform decisions and strengthen mitigation of operational and compliance exposures. This is a full-time, on-site position requiring four days per week in the office, with Tampa, Florida among the eligible locations (also San Antonio and Plano, TX; Phoenix, AZ; Colorado Springs, CO; and Charlotte, NC). Relocation assistance is not offered.

Key Responsibilities

• Lead analyses that identify root causes, quantify risk, and translate findings into clear credit risk strategies that influence senior leaders.
• Design and execute complex financial sensitivity analyses and build the infrastructure that ensures strategies are implemented as intended.
• Develop and present comprehensive risk and financial reporting to support management and committee oversight, escalating credit performance concerns appropriately.
• Analyze internal and external scores and data to detect first-party fraud, applying expert programming and quantitative techniques.
• Provide thought leadership, coaching, and mentoring to fellow analysts, and potentially own models and accountability for their requirements and implementation.
• Ensure risks tied to business activities are identified, measured, monitored, and controlled per risk and compliance policies.

Qualifications

• Bachelor's degree, or four years of relevant education and/or experience.
• Eight years in an analytical field leading advanced analytics, risk assessments, or bank credit risk data interpretation — or an advanced degree in Business, Finance, Economics, Engineering, or a mathematical discipline with six years of such experience.
• Strong grasp of banking regulations, risk, and compliance, including FCRA, Reg B, UDAAP/UDAP, and OCC Heightened Standards and Credit Risk Guidance.
• Advanced skills in SQL, SAS, or comparable BI tools for data segmentation, aggregation, and statistics, plus advanced Excel, Word, and PowerPoint.
• Proven ability to influence cross-functional stakeholders through clear communication of complex insights.
• Preferred: 6+ years delivering actionable recommendations from internal and external industry data.

About USAA

Guided by honesty, integrity, loyalty, and service, USAA is dedicated to helping the military community and their families achieve financial security through competitive products, exceptional service, and trusted advice. The company is proud to support active-duty military spouses.

How to Apply

To apply, complete your application directly on this page, or you'll be redirected to the employer's application platform to finish submitting there.