Director, Bank Credit Risk - Retail Banking

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.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

As a Director Bank Credit Risk, you will lead a team of analysts responsible for credit risk identification, development and delivery of credit strategies, and monitoring of credit performance for consumer credit portfolios to optimize profitable growth within risk appetite using quantitative methods. Owns and drives mitigation of operational and compliance risk inherent in credit strategy. Leads tracking and monitoring of internal and external factors impacting credit strategy performance for bank portfolio products.

This role is remote eligible in the continental U.S. with occasional business travel. However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.

What you'll do:

• Accountable for strategic planning to create team and departmental objectives and develops forecasts or predictions for team productivity. Mitigates risks, sets team policy, and governs the team's work to ensure it is in alignment with the strategic priorities of the bank; provides feedback on any misalignments to the team and communicates progress to executive management.
• Works 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.
• In partnership with executive management develops accurate, timely and cohesive responses on internal audits, regulatory exams, internal compliance and credit risk reviews etc.
• Leverages banking product knowledge and critical thinking skills to lead analyses, identify root causes, and develop clear and concise recommendations to drive the overall bank 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; coaches others on industry best 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.
• 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.
• Leverages the use of expert programming and analytical techniques to analyze credit data.
• May have model ownership responsibilities and drive accountability for quantitative model requirement definition and/or implementation of advanced credit and/or financial modeling infrastructure.
• Builds and oversees a team of employees for assigned functional area through ongoing execution of recruiting, development, retention, coaching, performance management, and managerial activities.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• Bachelor's degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• 8 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments to include creating team strategy, directing analysis and interpretation of complex bank credit risk data and credit or financial analysis activities; 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 to include creating team strategy, directing analysis and interpretation of complex bank credit risk data and credit or financial analysis activities.
• 3 years of direct team lead, or management experience.

• Demonstrated experience proposing credit risk changes, evaluation and recommendation of new models or data into strategy, leading the development and presentation of monitoring performance results of various credit strategies to appropriate stakeholders and executive management.
• Experience influencing cross functional stakeholders to action by communicating complex analytical insights and risk mitigating solutions.
• Advanced research and investigation skills and demonstrated good judgement in problem solving.
• Strong understanding of banking regulations risk, and/or compliance.
• Experience developing and improving a variety of risk related reporting.
• Experience coaching and guiding peers on analytics, and/or risk management.
• 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).
• Advanced business acumen and attention to detail and accuracy.
• Advanced presentation and communication skills.
• Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
• Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.

What sets you apart:

• Strong credit experience in both first line and second line of defense.
• Background in managing, prioritizing, and helping deliver department strategic deliverables and collaborating across multiple functions.
• Experience at a financial institution focused on Risk Management or Oversight leveraging AI tools to include report automation, strategy data delivery and credit strategies and policies.

Compensation range: The salary range for this position is: $164,780 - $314,960.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

 

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

 

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

 

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

 

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Client-provided location(s): Plano, TX

Job ID: 100121101

Employment Type: FULL_TIME

Posted: 2026-06-25T14:36:53