Credit Risk Analyst jobs at Citi

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 As a dedicated Bank Credit Risk Analyst Principal, you will be responsible for developing and driving the frameworks for the Bank Credit Risk program that provides oversight and governance to its maturing processes, advanced governance and oversight capabilities. Conducts complex credit and financial analyses to identify and mitigate emerging credit risks across the Bank. Leverages data analytics, data insights and industry expertise to build fit for purpose and sustainable outcomes/solutions. Partners with first line Bank executives, Bank Compliance leadership, and other key executive stakeholders to drive strategic alignment of the Bank Credit Risk policy and oversight. Leads and develops high quality committee, regulatory and executive reporting and responses as needed. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Responsible for conducting statistical, econometric and financial analyses to identify and mitigate emerging credit risks across bank. Integrates artificial intelligence/ machine learning, credit and financial scenario modeling, complex data architecture, strategy, credit research, macro research and development, and design competencies. Delivers on highly complex credit and econometric solutions that mitigate the risk, costs and impacts of large and granular behavioral and macroeconomic credit risks. Drives development and maturation of complex credit and financial frameworks. Delivers cross credit, and credit impacting operational, financial and strategic initiatives to leverage asset specific insights and drive scale economies; i.e. Enterprise capital concerns related to Basel III impacts, fraud spikes and emerging trends, enterprise stress contingency lever submission and integration accuracy; finance/strategy/marketing data sourcing for Level Up new prime card product, Eligibility Expansion, Economic Capital, CRA marketing, Secured card and enterprise segment targeting. Advises on complicated credit and financial analyses across credit finance, product and marketing, operations and market risk, as well as lines of defense. Provides direction and consultation to senior leaders across the bank on highly complex and unique credit and financial risk issues. Serves as a key advisor and consultant to the Bank Head of Credit and SLOD Chief Credit Officer on risk management and mitigation efforts, a proxy / delegate in senior leadership forums. Strengthens regulatory responses to ensure industry leading quality (Consent Order, Examinations, etc.), ensuring as well appropriate communication and collaboration with impacted stakeholders. Interacts with regulators and internal and external auditors related to bank credit risk appetite, stress test, provision, modeling issues and requests. Drives remediation efforts by leveraging industry-leading subject matter expertise and experience to prioritize, strategize, and build consensus within the team and senior management (Audit findings, MRA's, etc.) across various departments. Develops efficiencies and strategic improvements to Bank Credit programs (Risk Appetite, Effective Challenge, KRI's, RAMs). Leads collaborative engagements and creates best practices across the Bank Credit product teams and the horizontal risk-aligned teams to ensure proper identification of risks and emerging trends. Responsible for the development and delivery of training to build technical and business acumen within the Bank organization. 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. 10 years experience applying operational risk frameworks, oversight and best practices to include 6 years of bank credit risk with accountability for highly complex projects/initiatives with significant impact within a financial services/banking organization. Extensive experience in model development and optimization for credit risk strategy development, delivery and implementation. Extensive experience with data analytics and insights conducting complicated/complex credit and financial analyses; identifying and mitigating emerging credit risks across bank products. Strong knowledge and understanding of interest rate, capital allocation and liquidity market to include fraud, operations, and compliance risk. Executive-level business acumen in the areas of bank credit, finance and bank industry practices. Bank credit risk consulting skills to include gathering and synthesizing business requirements and communicating and/or facilitating constructive opportunities to a variety of audience levels including senior management. Experience collaborating with key resources and stakeholders, influencing decisions, and managing work to achieve strategic goals required. Experience leading and developing high quality committee, regulatory and executive reporting and responses as needed. Strong track record of driving change across risk areas, risk tools, asset classes and processes. Demonstrated ability to manage and drive multiple remediation activities to completion timely and with high degree of quality. What sets you apart: Proven track record at fin techs or large banks for driving large scale initiatives or platforms. Experience in AI/ML or other complex initiative executions. Balanced experience and skills across analytics and program leadership / execution. Compensation range: The salary range for this position is: $189,370 - $361,950. 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.

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 As a dedicated Bank Credit Risk Analyst Principal, you will be responsible for developing and driving the frameworks for the Bank Credit Risk program that provides oversight and governance to its maturing processes, advanced governance and oversight capabilities. Conducts complex credit and financial analyses to identify and mitigate emerging credit risks across the Bank. Leverages data analytics, data insights and industry expertise to build fit for purpose and sustainable outcomes/solutions. Partners with first line Bank executives, Bank Compliance leadership, and other key executive stakeholders to drive strategic alignment of the Bank Credit Risk policy and oversight. Leads and develops high quality committee, regulatory and executive reporting and responses as needed. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Responsible for conducting statistical, econometric and financial analyses to identify and mitigate emerging credit risks across bank. Integrates artificial intelligence/ machine learning, credit and financial scenario modeling, complex data architecture, strategy, credit research, macro research and development, and design competencies. Delivers on highly complex credit and econometric solutions that mitigate the risk, costs and impacts of large and granular behavioral and macroeconomic credit risks. Drives development and maturation of complex credit and financial frameworks. Delivers cross credit, and credit impacting operational, financial and strategic initiatives to leverage asset specific insights and drive scale economies; i.e. Enterprise capital concerns related to Basel III impacts, fraud spikes and emerging trends, enterprise stress contingency lever submission and integration accuracy; finance/strategy/marketing data sourcing for Level Up new prime card product, Eligibility Expansion, Economic Capital, CRA marketing, Secured card and enterprise segment targeting. Advises on complicated credit and financial analyses across credit finance, product and marketing, operations and market risk, as well as lines of defense. Provides direction and consultation to senior leaders across the bank on highly complex and unique credit and financial risk issues. Serves as a key advisor and consultant to the Bank Head of Credit and SLOD Chief Credit Officer on risk management and mitigation efforts, a proxy / delegate in senior leadership forums. Strengthens regulatory responses to ensure industry leading quality (Consent Order, Examinations, etc.), ensuring as well appropriate communication and collaboration with impacted stakeholders. Interacts with regulators and internal and external auditors related to bank credit risk appetite, stress test, provision, modeling issues and requests. Drives remediation efforts by leveraging industry-leading subject matter expertise and experience to prioritize, strategize, and build consensus within the team and senior management (Audit findings, MRA's, etc.) across various departments. Develops efficiencies and strategic improvements to Bank Credit programs (Risk Appetite, Effective Challenge, KRI's, RAMs). Leads collaborative engagements and creates best practices across the Bank Credit product teams and the horizontal risk-aligned teams to ensure proper identification of risks and emerging trends. Responsible for the development and delivery of training to build technical and business acumen within the Bank organization. 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. 10 years experience applying operational risk frameworks, oversight and best practices to include 6 years of bank credit risk with accountability for highly complex projects/initiatives with significant impact within a financial services/banking organization. Extensive experience in model development and optimization for credit risk strategy development, delivery and implementation. Extensive experience with data analytics and insights conducting complicated/complex credit and financial analyses; identifying and mitigating emerging credit risks across bank products. Strong knowledge and understanding of interest rate, capital allocation and liquidity market to include fraud, operations, and compliance risk. Executive-level business acumen in the areas of bank credit, finance and bank industry practices. Bank credit risk consulting skills to include gathering and synthesizing business requirements and communicating and/or facilitating constructive opportunities to a variety of audience levels including senior management. Experience collaborating with key resources and stakeholders, influencing decisions, and managing work to achieve strategic goals required. Experience leading and developing high quality committee, regulatory and executive reporting and responses as needed. Strong track record of driving change across risk areas, risk tools, asset classes and processes. Demonstrated ability to manage and drive multiple remediation activities to completion timely and with high degree of quality. What sets you apart: Proven track record at fin techs or large banks for driving large scale initiatives or platforms. Experience in AI/ML or other complex initiative executions. Balanced experience and skills across analytics and program leadership / execution. Compensation range: The salary range for this position is: $189,370 - $361,950. 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.

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 As a dedicated Bank Credit Risk Analyst Principal, you will be responsible for developing and driving the frameworks for the Bank Credit Risk program that provides oversight and governance to its maturing processes, advanced governance and oversight capabilities. Conducts complex credit and financial analyses to identify and mitigate emerging credit risks across the Bank. Leverages data analytics, data insights and industry expertise to build fit for purpose and sustainable outcomes/solutions. Partners with first line Bank executives, Bank Compliance leadership, and other key executive stakeholders to drive strategic alignment of the Bank Credit Risk policy and oversight. Leads and develops high quality committee, regulatory and executive reporting and responses as needed. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Responsible for conducting statistical, econometric and financial analyses to identify and mitigate emerging credit risks across bank. Integrates artificial intelligence/ machine learning, credit and financial scenario modeling, complex data architecture, strategy, credit research, macro research and development, and design competencies. Delivers on highly complex credit and econometric solutions that mitigate the risk, costs and impacts of large and granular behavioral and macroeconomic credit risks. Drives development and maturation of complex credit and financial frameworks. Delivers cross credit, and credit impacting operational, financial and strategic initiatives to leverage asset specific insights and drive scale economies; i.e. Enterprise capital concerns related to Basel III impacts, fraud spikes and emerging trends, enterprise stress contingency lever submission and integration accuracy; finance/strategy/marketing data sourcing for Level Up new prime card product, Eligibility Expansion, Economic Capital, CRA marketing, Secured card and enterprise segment targeting. Advises on complicated credit and financial analyses across credit finance, product and marketing, operations and market risk, as well as lines of defense. Provides direction and consultation to senior leaders across the bank on highly complex and unique credit and financial risk issues. Serves as a key advisor and consultant to the Bank Head of Credit and SLOD Chief Credit Officer on risk management and mitigation efforts, a proxy / delegate in senior leadership forums. Strengthens regulatory responses to ensure industry leading quality (Consent Order, Examinations, etc.), ensuring as well appropriate communication and collaboration with impacted stakeholders. Interacts with regulators and internal and external auditors related to bank credit risk appetite, stress test, provision, modeling issues and requests. Drives remediation efforts by leveraging industry-leading subject matter expertise and experience to prioritize, strategize, and build consensus within the team and senior management (Audit findings, MRA's, etc.) across various departments. Develops efficiencies and strategic improvements to Bank Credit programs (Risk Appetite, Effective Challenge, KRI's, RAMs). Leads collaborative engagements and creates best practices across the Bank Credit product teams and the horizontal risk-aligned teams to ensure proper identification of risks and emerging trends. Responsible for the development and delivery of training to build technical and business acumen within the Bank organization. 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. 10 years experience applying operational risk frameworks, oversight and best practices to include 6 years of bank credit risk with accountability for highly complex projects/initiatives with significant impact within a financial services/banking organization. Extensive experience in model development and optimization for credit risk strategy development, delivery and implementation. Extensive experience with data analytics and insights conducting complicated/complex credit and financial analyses; identifying and mitigating emerging credit risks across bank products. Strong knowledge and understanding of interest rate, capital allocation and liquidity market to include fraud, operations, and compliance risk. Executive-level business acumen in the areas of bank credit, finance and bank industry practices. Bank credit risk consulting skills to include gathering and synthesizing business requirements and communicating and/or facilitating constructive opportunities to a variety of audience levels including senior management. Experience collaborating with key resources and stakeholders, influencing decisions, and managing work to achieve strategic goals required. Experience leading and developing high quality committee, regulatory and executive reporting and responses as needed. Strong track record of driving change across risk areas, risk tools, asset classes and processes. Demonstrated ability to manage and drive multiple remediation activities to completion timely and with high degree of quality. What sets you apart: Proven track record at fin techs or large banks for driving large scale initiatives or platforms. Experience in AI/ML or other complex initiative executions. Balanced experience and skills across analytics and program leadership / execution. Compensation range: The salary range for this position is: $189,370 - $361,950. 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.

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 As a dedicated Bank Credit Risk Analyst Principal, you will be responsible for developing and driving the frameworks for the Bank Credit Risk program that provides oversight and governance to its maturing processes, advanced governance and oversight capabilities. Conducts complex credit and financial analyses to identify and mitigate emerging credit risks across the Bank. Leverages data analytics, data insights and industry expertise to build fit for purpose and sustainable outcomes/solutions. Partners with first line Bank executives, Bank Compliance leadership, and other key executive stakeholders to drive strategic alignment of the Bank Credit Risk policy and oversight. Leads and develops high quality committee, regulatory and executive reporting and responses as needed. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Responsible for conducting statistical, econometric and financial analyses to identify and mitigate emerging credit risks across bank. Integrates artificial intelligence/ machine learning, credit and financial scenario modeling, complex data architecture, strategy, credit research, macro research and development, and design competencies. Delivers on highly complex credit and econometric solutions that mitigate the risk, costs and impacts of large and granular behavioral and macroeconomic credit risks. Drives development and maturation of complex credit and financial frameworks. Delivers cross credit, and credit impacting operational, financial and strategic initiatives to leverage asset specific insights and drive scale economies; i.e. Enterprise capital concerns related to Basel III impacts, fraud spikes and emerging trends, enterprise stress contingency lever submission and integration accuracy; finance/strategy/marketing data sourcing for Level Up new prime card product, Eligibility Expansion, Economic Capital, CRA marketing, Secured card and enterprise segment targeting. Advises on complicated credit and financial analyses across credit finance, product and marketing, operations and market risk, as well as lines of defense. Provides direction and consultation to senior leaders across the bank on highly complex and unique credit and financial risk issues. Serves as a key advisor and consultant to the Bank Head of Credit and SLOD Chief Credit Officer on risk management and mitigation efforts, a proxy / delegate in senior leadership forums. Strengthens regulatory responses to ensure industry leading quality (Consent Order, Examinations, etc.), ensuring as well appropriate communication and collaboration with impacted stakeholders. Interacts with regulators and internal and external auditors related to bank credit risk appetite, stress test, provision, modeling issues and requests. Drives remediation efforts by leveraging industry-leading subject matter expertise and experience to prioritize, strategize, and build consensus within the team and senior management (Audit findings, MRA's, etc.) across various departments. Develops efficiencies and strategic improvements to Bank Credit programs (Risk Appetite, Effective Challenge, KRI's, RAMs). Leads collaborative engagements and creates best practices across the Bank Credit product teams and the horizontal risk-aligned teams to ensure proper identification of risks and emerging trends. Responsible for the development and delivery of training to build technical and business acumen within the Bank organization. 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. 10 years experience applying operational risk frameworks, oversight and best practices to include 6 years of bank credit risk with accountability for highly complex projects/initiatives with significant impact within a financial services/banking organization. Extensive experience in model development and optimization for credit risk strategy development, delivery and implementation. Extensive experience with data analytics and insights conducting complicated/complex credit and financial analyses; identifying and mitigating emerging credit risks across bank products. Strong knowledge and understanding of interest rate, capital allocation and liquidity market to include fraud, operations, and compliance risk. Executive-level business acumen in the areas of bank credit, finance and bank industry practices. Bank credit risk consulting skills to include gathering and synthesizing business requirements and communicating and/or facilitating constructive opportunities to a variety of audience levels including senior management. Experience collaborating with key resources and stakeholders, influencing decisions, and managing work to achieve strategic goals required. Experience leading and developing high quality committee, regulatory and executive reporting and responses as needed. Strong track record of driving change across risk areas, risk tools, asset classes and processes. Demonstrated ability to manage and drive multiple remediation activities to completion timely and with high degree of quality. What sets you apart: Proven track record at fin techs or large banks for driving large scale initiatives or platforms. Experience in AI/ML or other complex initiative executions. Balanced experience and skills across analytics and program leadership / execution. Compensation range: The salary range for this position is: $189,370 - $361,950. 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.

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 As a dedicated Bank Credit Risk Analyst Principal, you will be responsible for developing and driving the frameworks for the Bank Credit Risk program that provides oversight and governance to its maturing processes, advanced governance and oversight capabilities. Conducts complex credit and financial analyses to identify and mitigate emerging credit risks across the Bank. Leverages data analytics, data insights and industry expertise to build fit for purpose and sustainable outcomes/solutions. Partners with first line Bank executives, Bank Compliance leadership, and other key executive stakeholders to drive strategic alignment of the Bank Credit Risk policy and oversight. Leads and develops high quality committee, regulatory and executive reporting and responses as needed. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Responsible for conducting statistical, econometric and financial analyses to identify and mitigate emerging credit risks across bank. Integrates artificial intelligence/ machine learning, credit and financial scenario modeling, complex data architecture, strategy, credit research, macro research and development, and design competencies. Delivers on highly complex credit and econometric solutions that mitigate the risk, costs and impacts of large and granular behavioral and macroeconomic credit risks. Drives development and maturation of complex credit and financial frameworks. Delivers cross credit, and credit impacting operational, financial and strategic initiatives to leverage asset specific insights and drive scale economies; i.e. Enterprise capital concerns related to Basel III impacts, fraud spikes and emerging trends, enterprise stress contingency lever submission and integration accuracy; finance/strategy/marketing data sourcing for Level Up new prime card product, Eligibility Expansion, Economic Capital, CRA marketing, Secured card and enterprise segment targeting. Advises on complicated credit and financial analyses across credit finance, product and marketing, operations and market risk, as well as lines of defense. Provides direction and consultation to senior leaders across the bank on highly complex and unique credit and financial risk issues. Serves as a key advisor and consultant to the Bank Head of Credit and SLOD Chief Credit Officer on risk management and mitigation efforts, a proxy / delegate in senior leadership forums. Strengthens regulatory responses to ensure industry leading quality (Consent Order, Examinations, etc.), ensuring as well appropriate communication and collaboration with impacted stakeholders. Interacts with regulators and internal and external auditors related to bank credit risk appetite, stress test, provision, modeling issues and requests. Drives remediation efforts by leveraging industry-leading subject matter expertise and experience to prioritize, strategize, and build consensus within the team and senior management (Audit findings, MRA's, etc.) across various departments. Develops efficiencies and strategic improvements to Bank Credit programs (Risk Appetite, Effective Challenge, KRI's, RAMs). Leads collaborative engagements and creates best practices across the Bank Credit product teams and the horizontal risk-aligned teams to ensure proper identification of risks and emerging trends. Responsible for the development and delivery of training to build technical and business acumen within the Bank organization. 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. 10 years experience applying operational risk frameworks, oversight and best practices to include 6 years of bank credit risk with accountability for highly complex projects/initiatives with significant impact within a financial services/banking organization. Extensive experience in model development and optimization for credit risk strategy development, delivery and implementation. Extensive experience with data analytics and insights conducting complicated/complex credit and financial analyses; identifying and mitigating emerging credit risks across bank products. Strong knowledge and understanding of interest rate, capital allocation and liquidity market to include fraud, operations, and compliance risk. Executive-level business acumen in the areas of bank credit, finance and bank industry practices. Bank credit risk consulting skills to include gathering and synthesizing business requirements and communicating and/or facilitating constructive opportunities to a variety of audience levels including senior management. Experience collaborating with key resources and stakeholders, influencing decisions, and managing work to achieve strategic goals required. Experience leading and developing high quality committee, regulatory and executive reporting and responses as needed. Strong track record of driving change across risk areas, risk tools, asset classes and processes. Demonstrated ability to manage and drive multiple remediation activities to completion timely and with high degree of quality. What sets you apart: Proven track record at fin techs or large banks for driving large scale initiatives or platforms. Experience in AI/ML or other complex initiative executions. Balanced experience and skills across analytics and program leadership / execution. Compensation range: The salary range for this position is: $189,370 - $361,950. 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.

Paris, France WHAT YOU WILL BE DOING SCIB is looking for a CREDIT RISK ANALYST, based in our BOADILLA DEL MONTE office. WHY YOU SHOULD CONSIDER THIS OPPORTUNITY Would you like to be part of one of the largest transformations the World is experiencing in the past several decades? In Financial Services, consumer expectations are rising, and technological advances are enabling amazing customer experiences and new businesses not possible before. The emergence of disruptive platforms as a business model has reshaped other industries and is poised to do the same in financial services. At Santander (****************** we embrace this change. Santander Corporate & Investment Banking (SCIB) is Santander's global division that supports some of the world's most complex and sophisticated corporate and institutional clients, offering customized services and value-added wholesale products to best meet their needs. Our mission is to contribute to help more people and business prosper. You can click here Why Santander to watch a short clip and learn why banking is still exciting. Santander is proud of being an organization where there are equal opportunities regardless of gender identity, culture and disability. Our mission is to contribute to help more people and business prosper. WHAT YOU WILL BE DOING As a Credit Risk Analyst, you will be responsible to analyze and monitor credit risk profile of the Continental Europe SCIB clients portfolio of Financial Institutions (Banks and Insurances), provide risk assessments: perform ratings (groups and subsidiaries), admission process of deals including presentation to different committees, definition of annual risk appetite and limits for each client, Clearly identify potential risks when analyzing transactions and performing rating and rationalize and monitor capital/RWA allocation. Protect and strengthen the balance sheet of Banco Santander, especially in its Continental Europe franchise. We need someone like you to help us in different fronts: * Understand and asses the credit quality of clients under responsibility. * Ensure data quality both in terms of ratings and exposure (Portfolio Management). * Make sure Risk SCIB governance is followed in every process. * Close relationship with Financial Institutions Bankers to align criteria and pass the right messages. * Talk straight and listen carefully. * Organization. * Meet deadlines. The first months the location will be in Paris. WHAT WE ARE LOOKING FOR EXPERIENCE * 1 years of experience in similar credit risk positions or Corporate Banking. EDUCATION Required * University degree preferably in Economics or Business Administration. Desired * CFA or similar highly valued. SKILLS & KNOWLEDGE Required * Strong Financial Analysis. * Knowledge of Corporate & Investment Banking products. * Strong communication and interpersonal skills. * High writing and speaking proficiency in English. * Good Knowledge of PowerPoint, Excel and Outlook. * Synthesis and summary capabilities. Desired * Previous experience within SCIB will be positively considered. * Knowledge of Bloomberg, Thomson Reuteres highly valued * Spanish will be highly valued. WHAT WE OFFER YOU Welcome to #TheSantanderEffect. Here, with only a small action or a simple idea, you can do great things. We offer you the advantages and the means to contribute to the progress of more than 140 million people around the world. These are the key factors that multiply the actions of all our employees: * Meaningful Impact - Where the effect of your work makes a difference and helps people to prosper. * Personal and Professional Growth - The chance to develop through world-class training, challenging work, and different roles. * Respect - Be part of an organization that cares - about its people, its wider community, and the environment. * Co-worker quality - Work with inspiring professionals who are leaders in their field. * Global stability - Work for a solid global organization that has successfully reinvented itself many times in its 160- year history. If you want to know more about us, follow us on *********************************************** Ubicación principal:ES-MD-Madrid Puesto:0.Risks Organización:BANCO SANTANDER WHAT WE ARE LOOKING FOR EXPERIENCE EDUCATION COMPETENCIES

Why Stifel Stifel strives for a culture that puts its clients and associates first: a culture where everyone belongs, everyone is welcome, and everyone contributes to the success of our clients, their careers, and the firm as a whole. Let's talk about how you can find your place here at Stifel, where success meets success. What You'll Be Doing The Bank Credit Risk Analyst is a key contributor to the Credit Analytics team, supporting the development and maintenance of credit risk models and reporting processes. This role focuses on preparing and analyzing financial statements, assisting with CECL model development, and using data analytics to support decision-making. The position requires strong analytical skills, attention to detail, and the ability to collaborate across departments to ensure accurate and timely risk reporting. What We're Looking For * Support CECL model development, testing, and enhancements under guidance of the Credit Risk Officers. * Analyze financial performance and translate findings into credit risk implications. * Prepare, spread, and review financial statements for CECL modeling, analysis, and dashboard reporting. * Ensure accuracy and completeness of data used in CECL models. * Develop and present data visualizations to communicate risk insights. * Articulate the results of the model to senior executives including CFO, CAO, and CCO. * Maintain detailed documentation of modeling processes and regulatory reports. * Collaborate with cross-functional teams to meet data and reporting needs. * Assist Chief Credit Officer and Credit Risk Officer with special projects including board reports, internal financial reporting, and regulatory reporting support. What You'll Bring * Ability to translate complex data into clear, actionable insights. * Strong proficiency of financial statements and general understanding of banking terminology. * Ability to connect financial performance with credit risk implications. * Working knowledge of data collection (i.e., gathering, sorting, cleaning, and analyzing data from various sources). * Familiarity with Statistical Analysis concepts and tools. * Exceptional attention to detail and accuracy. * Strong organizational skills. Education & Experience * Minimum Required: Bachelor's degree in Finance, Accounting, Economics, Data Science, Statistics, Mathematics, Computer Science, or a related field or equivalent experience. * Minimum Required: No experience required; 1+ years' of experience in finance or related field preferred. Licenses & Credentials * Minimum Required: None. Systems & Technology * Proficient in Microsoft Excel, PowerPoint, Word, and Outlook. * Advanced proficiency in Microsoft Excel (pivot tables, formulas) preferred. * Familiarity with programming languages, R, SQL, and PowerBI preferred. About Stifel Stifel is more than 130 years old and still thinking like a start-up. We are a global wealth management and investment banking firm serious about innovation and fresh ideas. Built on a simple premise of safeguarding our clients' money as if it were our own, coined by our namesake, Herman Stifel, our success is intimately tied to our commitment to helping families, companies, and municipalities find their own success. While our headquarters is in St. Louis, we have offices in New York, San Francisco, Baltimore, London, Frankfurt, Toronto, and more than 400 other locations. Stifel is home to approximately 9,000 individuals who are currently building their careers as financial advisors, research analysts, project managers, marketing specialists, developers, bankers, operations associates, among hundreds more. Let's talk about how you can find your place here at Stifel, where success meets success. At Stifel we offer an entrepreneurial environment, comprehensive benefits package to include health, dental and vision care, 401k, wellness initiatives, life insurance, and paid time off. Stifel's bank and trust companies are equal opportunity employers. All candidates will be considered without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, veteran status, genetic information or any other protected characteristic under applicable law. If you would like more information regarding Equal Employment Opportunity rights and protections, please review the following information: Know Your Rights. Stifel is an Equal Opportunity Employer.

Job Description and Requirements The Senior Credit Risk Modeling Analyst will develop, validate, and enhance credit risk models to support decision-making, profitability, and compliance. The Analyst will analyze complex datasets, assess portfolio performance, and forecast credit risks to optimize lending and institution strategies. Essential Functions and Responsibilities: Utilize risk modeling techniques to identify, quantify, and forecast potential credit risk and opportunities for the institution. Develop and maintain expertise in the fields of risk quantification and modeling to support both internal and external stakeholders. Collaborate with stakeholders to understand product characteristics used for modeling while assisting in communication and education of current and expected risk exposures. Make recommendations to management on current and future strategies and profitability projections. Perform other quantitative analysis for institution stakeholders as needed. Leverage expertise to foster and expand collective knowledge within the team. Gather and analyze pertinent data to create or strengthen models that forecast risk exposure and help make informed business decisions. Continuously monitor the economic and business environments to update models as new data becomes available. Define, document, and summarize methodologies, assumptions, and results of risk models and prepare reports for management. Act as a liaison between lending and IT to assist in the aggregation and organization of institutional data for the use in models and reporting. All other duties as assigned (note: essential functions and responsibilities may change, or new ones may be assigned at any time with or without notice). Requirements: Master's degree in finance, statistics or other quantitative field Minimum 3 years of job-related experience or 6+ years of job-related experience in lieu of Master's degree Strong analytical, mathematics, organizational, and planning skills Ability to articulate complex theories, concepts, methodologies, and findings in a non-technical manner to a non-technical audience Innovative self-starter with ability to meet deadlines, work independently, and think outside the box Excellent interpersonal skills, with a desire to pursue best practices in a challenging team environment Proficient to advanced knowledge of statistical modeling and other quantitative techniques including, but not limited to, linear & non-linear regression, optimization, simulation, time-series analysis, probability theory, survival analysis, and value-at-risk Knowledgeable of modeling systems and/or computer programming languages used for modeling (e.g. python & R) Ability to complete multiple projects and meet deadlines Capable of working on assignments with minimal assistance All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.

JobID: 210684177 JobSchedule: Full time JobShift: Day : Bring your Expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Credit Risk Middle Office Analyst within the Credit Risk Middle Office (CRMO), you play an essential role in strengthening JPMorgan Chase. You contribute to responsible business growth by anticipating new and emerging risks and applying your expert judgment to solve real-world challenges that affect our company, customers, and communities. Our culture emphasizes innovative thinking, challenging the status quo, and striving for excellence. Job responsibilities * Communication/Presentation: Develop solid communication skills to effectively influence stakeholders in a meaningful and actionable manner. * Operations: Provide comprehensive support for Credit Risk Management by performing and overseeing various functions, including line facilitation/maintenance, client data management, limit breach monitoring and investigation, and NAV gathering. Reviewing prospectuses and annual reports may be required. Participate in user acceptance testing for technology changes to core business applications. * Control Mindset: Build knowledge of processes to develop and maintain strong adherence to controls, including the ability to analyze problems and propose solutions. * Metrics: Learn to review key metrics to support workflow and SLA adherence. * Decision Making/Judgment: Exercise low to moderate levels of independent decision-making using sound judgment. * Change Management: Collaborate with CRMO leads and stakeholders to define business cases for process improvements and oversee their implementation. * Problem Solving/Analytical Skills: Demonstrate solid critical thinking, attention to detail, and analytical skills to synthesize large amounts of data and draw appropriate conclusions. * Understanding Root Cause/Identifying Control Breaks: Timely raise issues to management and assist in developing sustainable solutions. Required qualifications, capabilities and skills * Entry-level or 1+ years of experience in financial services, operations, or a related field. * Basic knowledge of products and services offered by major financial institutions and risk disciplines. * Ability to identify problems and collaborate with management to develop solutions. * Effective verbal and written communication skills. * Self-starter capable of thriving in a multi-tasking environment. * Proficient in Microsoft Office Suite (Word, Excel, PowerPoint). Preferred qualifications, capabilities and skills * Bachelor's degree preferred but not mandatory. * Previous experience in Operational or Risk Management, or other control functions is a plus. * Experience with automated solutions such as Alteryx, Python, and UI Path is a plus.

JobID: 210689454 JobSchedule: Full time JobShift: Day : Bring your Expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As an Analyst in Credit Risk Middle Office within Corporate Risk, you help us maintain strong operational controls and support the Wholesale Credit Risk Organization globally. You will collaborate with stakeholders, monitor credit risk limits, and resolve operational issues. Together, we drive responsible business growth and foster a culture of respect, equity, and opportunity. Your contributions will help us deliver best-in-class risk management solutions. Job responsibilities * Monitor credit risk limits and investigate breaches * Maintain and update client credit risk data * Resolve operational issues and support ongoing client maintenance * Participate in user acceptance testing for technology changes * Review prospectuses and annual reports as needed * Analyze processes to strengthen control adherence * Review key metrics to support workflow and service level agreements * Make independent decisions using sound judgment * Partner with team leads to define and implement process improvements * Raise issues and assist in providing sustainable solutions Required qualifications, capabilities, and skills * Minimum 1 year of experience in financial services, operations, or related field * Basic knowledge of financial institution products and risk disciplines * Experience in operational or risk management, or other control function * Ability to identify problems and collaborate on solutions * Effective verbal and written communication skills * Ability to work independently and manage multiple tasks * Proficient in Microsoft Office Suite (Word, Excel, PowerPoint) * Strong attention to detail and analytical skills * Ability to synthesize data and draw conclusions Preferred qualifications, capabilities, and skills * Bachelor's degree * Experience with automated solutions such as Alteryx, Python, or UI Path * Previous experience in credit risk or middle office operations * Familiarity with user acceptance testing processes * Strong presentation skills * Experience with process improvement or change management projects

JobID: 210687227 JobSchedule: Full time JobShift: : The Basel Measurement & Analytics (BM&A) group within TCIO is responsible for calculating, analyzing, and reporting firm-wide RWA for wholesale credit risk and retail risk stripes. The RWA measures feed into corporate functions to quantify and determine regulatory capital requirements and support external regulatory filings and disclosures. BM&A is responsible for the business requirements to develop and manage the Basel infrastructure and ensure calculations are in compliance with internal capital policy and guidance. In addition, BM&A supports ancillary activities to perform impact analysis on methodology changes driven by new rule proposals, support RWA component of CCAR, Resolution & Recovery, Pillar 3 Disclosure, and Quantitative Impact Studies (QIS) for regulatory agencies. The BM&A Derivatives Team is responsible for assessing regulatory policy, driving enhancements to infrastructure needed to support risk regulatory reporting processes related to Basel methodology, and RWA reporting (specific to derivatives). The candidate will be responsible for producing RWA related to derivatives exposures under Basel 3 rules, analyzing quarter-over-quarter changes in RWA, working with LOB controllers and credit officers to determine variance drivers such as portfolio changes, policy updates and capital treatment, and generation of external regulatory filing schedules. The candidate will manage the reporting processes and be owner of data issue identification, tracking, and resolution. Specific responsibilities include: * Monthly production cycle for RWA calculation and reporting, including Basel 3 Advanced, Basel 3 Standardized, CCP, and Supplementary Leverage Ratio * Provide analysis in support of RWA trends and forecast-to-actual variances * Support external regulatory filing deliverables including the FR Y-9C, FFIEC 101 and Pillar 3. * To perform ad-hoc quantitative impact analysis on the firm's RWA under Basel rules and regulations based on input parameters or infrastructure changes - specific to Derivatives risk stripe. * Perform quarterly stress testing to support CCAR, ICAAP and Risk Appetite deliverables. * To evaluate and manage controls on key processes and functions. * To prepare objective analysis that provides perspective to senior management to support decision-making on key issues related to regulatory capital. Qualifications: * Bachelor's degree and 1-4 years' experience in Finance, Risk Management, or related field. * Experience with Basel Capital Rules is preferred. * Experience and technical understanding of derivative products. * Exceptional excel/database/desktop skills. * Ability to work in pressure-oriented environment and able to handle multiple tasks. * Strong analytical, critical thinking, and problem solving skills with a track record of execution against deliverables; including the ability to take ownership and work independently while contributing to the broader team. Skills: * Results oriented individual who can execute tasks within aggressive time frame. * Excellent interpersonal skills necessary to work effectively with colleagues at various levels of the organization. * Self-motivated team-player. Must possess the ability to research and resolve issues independently while working across teams to acquire needed information. * Excellent organization and control focus. * Superior attention to detail and process-orientation. * Ability to synthesize and analyze large amounts of data to ascertain key facts and trends. * Ability to develop strong client relationships and gain consensus on key decisions.

The Basel Measurement & Analytics (BM&A) group within TCIO is responsible for calculating, analyzing, and reporting firm-wide RWA for wholesale credit risk and retail risk stripes. The RWA measures feed into corporate functions to quantify and determine regulatory capital requirements and support external regulatory filings and disclosures. BM&A is responsible for the business requirements to develop and manage the Basel infrastructure and ensure calculations are in compliance with internal capital policy and guidance. In addition, BM&A supports ancillary activities to perform impact analysis on methodology changes driven by new rule proposals, support RWA component of CCAR, Resolution & Recovery, Pillar 3 Disclosure, and Quantitative Impact Studies (QIS) for regulatory agencies. The BM&A Derivatives Team is responsible for assessing regulatory policy, driving enhancements to infrastructure needed to support risk regulatory reporting processes related to Basel methodology, and RWA reporting (specific to derivatives). The candidate will be responsible for producing RWA related to derivatives exposures under Basel 3 rules, analyzing quarter-over-quarter changes in RWA, working with LOB controllers and credit officers to determine variance drivers such as portfolio changes, policy updates and capital treatment, and generation of external regulatory filing schedules. The candidate will manage the reporting processes and be owner of data issue identification, tracking, and resolution. Specific responsibilities include: + Monthly production cycle for RWA calculation and reporting, including Basel 3 Advanced, Basel 3 Standardized, CCP, and Supplementary Leverage Ratio + Provide analysis in support of RWA trends and forecast-to-actual variances + Support external regulatory filing deliverables including the FR Y-9C, FFIEC 101 and Pillar 3. + To perform ad-hoc quantitative impact analysis on the firm's RWA under Basel rules and regulations based on input parameters or infrastructure changes - specific to Derivatives risk stripe. + Perform quarterly stress testing to support CCAR, ICAAP and Risk Appetite deliverables. + To evaluate and manage controls on key processes and functions. + To prepare objective analysis that provides perspective to senior management to support decision-making on key issues related to regulatory capital. **Qualifications:** + Bachelor's degree and 1-4 years' experience in Finance, Risk Management, or related field. + Experience with Basel Capital Rules is preferred. + Experience and technical understanding of derivative products. + Exceptional excel/database/desktop skills. + Ability to work in pressure-oriented environment and able to handle multiple tasks. + Strong analytical, critical thinking, and problem solving skills with a track record of execution against deliverables; including the ability to take ownership and work independently while contributing to the broader team. **Skills:** + Results oriented individual who can execute tasks within aggressive time frame. + Excellent interpersonal skills necessary to work effectively with colleagues at various levels of the organization. + Self-motivated team-player. Must possess the ability to research and resolve issues independently while working across teams to acquire needed information. + Excellent organization and control focus. + Superior attention to detail and process-orientation. + Ability to synthesize and analyze large amounts of data to ascertain key facts and trends. + Ability to develop strong client relationships and gain consensus on key decisions. JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

Bring your Expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Credit Risk Middle Office Analyst within the Credit Risk Middle Office (CRMO), you play an essential role in strengthening JPMorgan Chase. You contribute to responsible business growth by anticipating new and emerging risks and applying your expert judgment to solve real-world challenges that affect our company, customers, and communities. Our culture emphasizes innovative thinking, challenging the status quo, and striving for excellence. **Job responsibilities** + Communication/Presentation: Develop solid communication skills to effectively influence stakeholders in a meaningful and actionable manner. + Operations: Provide comprehensive support for Credit Risk Management by performing and overseeing various functions, including line facilitation/maintenance, client data management, limit breach monitoring and investigation, and NAV gathering. Reviewing prospectuses and annual reports may be required. Participate in user acceptance testing for technology changes to core business applications. + Control Mindset: Build knowledge of processes to develop and maintain strong adherence to controls, including the ability to analyze problems and propose solutions. + Metrics: Learn to review key metrics to support workflow and SLA adherence. + Decision Making/Judgment: Exercise low to moderate levels of independent decision-making using sound judgment. + Change Management: Collaborate with CRMO leads and stakeholders to define business cases for process improvements and oversee their implementation. + Problem Solving/Analytical Skills: Demonstrate solid critical thinking, attention to detail, and analytical skills to synthesize large amounts of data and draw appropriate conclusions. + Understanding Root Cause/Identifying Control Breaks: Timely raise issues to management and assist in developing sustainable solutions. **Required qualifications, capabilities and skills** + Entry-level or 1+ years of experience in financial services, operations, or a related field. + Basic knowledge of products and services offered by major financial institutions and risk disciplines. + Ability to identify problems and collaborate with management to develop solutions. + Effective verbal and written communication skills. + Self-starter capable of thriving in a multi-tasking environment. + Proficient in Microsoft Office Suite (Word, Excel, PowerPoint). **Preferred qualifications, capabilities and skills** + Bachelor's degree preferred but not mandatory. + Previous experience in Operational or Risk Management, or other control functions is a plus. + Experience with automated solutions such as Alteryx, Python, and UI Path is a plus. JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

Bring your Expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As an Analyst in Credit Risk Middle Office within Corporate Risk, you help us maintain strong operational controls and support the Wholesale Credit Risk Organization globally. You will collaborate with stakeholders, monitor credit risk limits, and resolve operational issues. Together, we drive responsible business growth and foster a culture of respect, equity, and opportunity. Your contributions will help us deliver best-in-class risk management solutions. **Job responsibilities** + Monitor credit risk limits and investigate breaches + Maintain and update client credit risk data + Resolve operational issues and support ongoing client maintenance + Participate in user acceptance testing for technology changes + Review prospectuses and annual reports as needed + Analyze processes to strengthen control adherence + Review key metrics to support workflow and service level agreements + Make independent decisions using sound judgment + Partner with team leads to define and implement process improvements + Raise issues and assist in providing sustainable solutions **Required qualifications, capabilities, and skills** + Minimum 1 year of experience in financial services, operations, or related field + Basic knowledge of financial institution products and risk disciplines + Experience in operational or risk management, or other control function + Ability to identify problems and collaborate on solutions + Effective verbal and written communication skills + Ability to work independently and manage multiple tasks + Proficient in Microsoft Office Suite (Word, Excel, PowerPoint) + Strong attention to detail and analytical skills + Ability to synthesize data and draw conclusions **Preferred qualifications, capabilities, and skills** + Bachelor's degree + Experience with automated solutions such as Alteryx, Python, or UI Path + Previous experience in credit risk or middle office operations + Familiarity with user acceptance testing processes + Strong presentation skills + Experience with process improvement or change management projects JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

**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** As a dedicated Bank Credit Risk Analyst Principal, you will be responsible for developing and driving the frameworks for the Bank Credit Risk program that provides oversight and governance to its maturing processes, advanced governance and oversight capabilities. Conducts complex credit and financial analyses to identify and mitigate emerging credit risks across the Bank. Leverages data analytics, data insights and industry expertise to build fit for purpose and sustainable outcomes/solutions. Partners with first line Bank executives, Bank Compliance leadership, and other key executive stakeholders to drive strategic alignment of the Bank Credit Risk policy and oversight. Leads and develops high quality committee, regulatory and executive reporting and responses as needed. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC or Tampa, FL. Relocation assistance is **not** available for this position. **What you'll do:** + Responsible for conducting statistical, econometric and financial analyses to identify and mitigate emerging credit risks across bank. Integrates artificial intelligence/ machine learning, credit and financial scenario modeling, complex data architecture, strategy, credit research, macro research and development, and design competencies. Delivers on highly complex credit and econometric solutions that mitigate the risk, costs and impacts of large and granular behavioral and macroeconomic credit risks. + Drives development and maturation of complex credit and financial frameworks. Delivers cross credit, and credit impacting operational, financial and strategic initiatives to leverage asset specific insights and drive scale economies; i.e. Enterprise capital concerns related to Basel III impacts, fraud spikes and emerging trends, enterprise stress contingency lever submission and integration accuracy; finance/strategy/marketing data sourcing for Level Up new prime card product, Eligibility Expansion, Economic Capital, CRA marketing, Secured card and enterprise segment targeting. + Advises on complicated credit and financial analyses across credit finance, product and marketing, operations and market risk, as well as lines of defense. Provides direction and consultation to senior leaders across the bank on highly complex and unique credit and financial risk issues. Serves as a key advisor and consultant to the Bank Head of Credit and SLOD Chief Credit Officer on risk management and mitigation efforts, a proxy / delegate in senior leadership forums. + Strengthens regulatory responses to ensure industry leading quality (Consent Order, Examinations, etc.), ensuring as well appropriate communication and collaboration with impacted stakeholders. Interacts with regulators and internal and external auditors related to bank credit risk appetite, stress test, provision, modeling issues and requests. + Drives remediation efforts by leveraging industry-leading subject matter expertise and experience to prioritize, strategize, and build consensus within the team and senior management (Audit findings, MRA's, etc.) across various departments. + Develops efficiencies and strategic improvements to Bank Credit programs (Risk Appetite, Effective Challenge, KRI's, RAMs). Leads collaborative engagements and creates best practices across the Bank Credit product teams and the horizontal risk-aligned teams to ensure proper identification of risks and emerging trends. + Responsible for the development and delivery of training to build technical and business acumen within the Bank organization. + 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. + 10 years experience applying operational risk frameworks, oversight and best practices to include 6 years of bank credit risk with accountability for highly complex projects/initiatives with significant impact within a financial services/banking organization. + Extensive experience in model development and optimization for credit risk strategy development, delivery and implementation. + Extensive experience with data analytics and insights conducting complicated/complex credit and financial analyses; identifying and mitigating emerging credit risks across bank products. + Strong knowledge and understanding of interest rate, capital allocation and liquidity market to include fraud, operations, and compliance risk. + Executive-level business acumen in the areas of bank credit, finance and bank industry practices. + Bank credit risk consulting skills to include gathering and synthesizing business requirements and communicating and/or facilitating constructive opportunities to a variety of audience levels including senior management. + Experience collaborating with key resources and stakeholders, influencing decisions, and managing work to achieve strategic goals required. + Experience leading and developing high quality committee, regulatory and executive reporting and responses as needed. + Strong track record of driving change across risk areas, risk tools, asset classes and processes. + Demonstrated ability to manage and drive multiple remediation activities to completion timely and with high degree of quality. **What sets you apart:** + Proven track record at fin techs or large banks for driving large scale initiatives or platforms. + Experience in AI/ML or other complex initiative executions. + Balanced experience and skills across analytics and program leadership / execution. **Compensation range:** The salary range for this position is: $189,370 - $361,950 **.** **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._ **If you are an existing USAA employee, please use the internal career site in OneSource to apply.** **Please do not type your first and last name in all caps.** **_Find your purpose. Join our mission._** USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity. USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself - you just need to share our passion for serving our more than 13 million members. USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. California applicants, please review our HR CCPA - Notice at Collection (********************************************************************************************************** here. USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

MSIG USA continues to grow! MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world's top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business's unique risks. The Credit Risk Analyst will support the Political Risk and Trade Credit Underwriting team by conducting thorough financial, credit, and country risk assessments of counterparties, sectors, and sovereigns. This role is focused on providing high-quality, data-driven analysis to enable informed underwriting decisions and effective portfolio management. The analyst will contribute to the department's risk selection, exposure monitoring, and policy development, ensuring alignment with the company's risk appetite and strategic objectives. Key Responsibilities Credit & Financial Analysis Perform detailed financial statement analysis of corporate buyers, banks, and sovereign entities. Develop credit profiles and internal ratings to support underwriting decisions. Maintain financial models and provide forward-looking assessments of credit risk. Country & Political Risk Assessment Monitor geopolitical and macroeconomic developments affecting trade credit and political risk exposures. Assess sovereign and country risk, including transfer risk, expropriation, and political instability. Contribute to country risk ratings and exposure management strategies. Underwriting Support Provide objective credit and political risk analysis to underwriters for new submissions and renewals. Draft concise credit memoranda summarizing key risks and recommendations for internal review. Support structuring and pricing by supplying risk analysis aligned with underwriting guidelines. Portfolio Monitoring & Reporting Track counterparty and country exposures across the portfolio. Monitor and escalate adverse credit or political developments that may impact insured risks. Assist in portfolio stress testing, scenario analysis, and concentration management. Internal Collaboration Work closely with underwriters, actuaries, claims, and other internal teams to support disciplined risk evaluation. Contribute to refining risk assessment methodologies, models, and underwriting tools. Prepare internal reports and presentations for risk committees and senior management. Qualifications Bachelor's degree in Finance, Economics, Accounting, International Relations, or related field; advanced degree or CFA designation preferred. 3+ years of experience in credit analysis, banking, trade finance, ratings agency, or insurance. Strong financial statement analysis and credit modeling skills. Knowledge of political and country risk factors impacting international trade and investment. High attention to detail and strong problem-solving ability. Proficiency in Excel, financial modeling, and credit research databases (e.g., Capital IQ, Moody's, Fitch). Strong written and verbal communication skills for internal reporting and presentations. Ability to prioritize tasks and meet deadlines in a dynamic underwriting environment. It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group! It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.

**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** As a dedicated Bank Credit Risk Analyst Principal, you will be responsible for developing and driving the frameworks for the Bank Credit Risk program that provides oversight and governance to its maturing processes, advanced governance and oversight capabilities. Conducts complex credit and financial analyses to identify and mitigate emerging credit risks across the Bank. Leverages data analytics, data insights and industry expertise to build fit for purpose and sustainable outcomes/solutions. Partners with first line Bank executives, Bank Compliance leadership, and other key executive stakeholders to drive strategic alignment of the Bank Credit Risk policy and oversight. Leads and develops high quality committee, regulatory and executive reporting and responses as needed. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC or Tampa, FL. Relocation assistance is **not** available for this position. **What you'll do:** + Responsible for conducting statistical, econometric and financial analyses to identify and mitigate emerging credit risks across bank. Integrates artificial intelligence/ machine learning, credit and financial scenario modeling, complex data architecture, strategy, credit research, macro research and development, and design competencies. Delivers on highly complex credit and econometric solutions that mitigate the risk, costs and impacts of large and granular behavioral and macroeconomic credit risks. + Drives development and maturation of complex credit and financial frameworks. Delivers cross credit, and credit impacting operational, financial and strategic initiatives to leverage asset specific insights and drive scale economies; i.e. Enterprise capital concerns related to Basel III impacts, fraud spikes and emerging trends, enterprise stress contingency lever submission and integration accuracy; finance/strategy/marketing data sourcing for Level Up new prime card product, Eligibility Expansion, Economic Capital, CRA marketing, Secured card and enterprise segment targeting. + Advises on complicated credit and financial analyses across credit finance, product and marketing, operations and market risk, as well as lines of defense. Provides direction and consultation to senior leaders across the bank on highly complex and unique credit and financial risk issues. Serves as a key advisor and consultant to the Bank Head of Credit and SLOD Chief Credit Officer on risk management and mitigation efforts, a proxy / delegate in senior leadership forums. + Strengthens regulatory responses to ensure industry leading quality (Consent Order, Examinations, etc.), ensuring as well appropriate communication and collaboration with impacted stakeholders. Interacts with regulators and internal and external auditors related to bank credit risk appetite, stress test, provision, modeling issues and requests. + Drives remediation efforts by leveraging industry-leading subject matter expertise and experience to prioritize, strategize, and build consensus within the team and senior management (Audit findings, MRA's, etc.) across various departments. + Develops efficiencies and strategic improvements to Bank Credit programs (Risk Appetite, Effective Challenge, KRI's, RAMs). Leads collaborative engagements and creates best practices across the Bank Credit product teams and the horizontal risk-aligned teams to ensure proper identification of risks and emerging trends. + Responsible for the development and delivery of training to build technical and business acumen within the Bank organization. + 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. + 10 years experience applying operational risk frameworks, oversight and best practices to include 6 years of bank credit risk with accountability for highly complex projects/initiatives with significant impact within a financial services/banking organization. + Extensive experience in model development and optimization for credit risk strategy development, delivery and implementation. + Extensive experience with data analytics and insights conducting complicated/complex credit and financial analyses; identifying and mitigating emerging credit risks across bank products. + Strong knowledge and understanding of interest rate, capital allocation and liquidity market to include fraud, operations, and compliance risk. + Executive-level business acumen in the areas of bank credit, finance and bank industry practices. + Bank credit risk consulting skills to include gathering and synthesizing business requirements and communicating and/or facilitating constructive opportunities to a variety of audience levels including senior management. + Experience collaborating with key resources and stakeholders, influencing decisions, and managing work to achieve strategic goals required. + Experience leading and developing high quality committee, regulatory and executive reporting and responses as needed. + Strong track record of driving change across risk areas, risk tools, asset classes and processes. + Demonstrated ability to manage and drive multiple remediation activities to completion timely and with high degree of quality. **What sets you apart:** + Proven track record at fin techs or large banks for driving large scale initiatives or platforms. + Experience in AI/ML or other complex initiative executions. + Balanced experience and skills across analytics and program leadership / execution. **Compensation range:** The salary range for this position is: $189,370 - $361,950 **.** **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._ **If you are an existing USAA employee, please use the internal career site in OneSource to apply.** **Please do not type your first and last name in all caps.** **_Find your purpose. Join our mission._** USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity. USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself - you just need to share our passion for serving our more than 13 million members. USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. California applicants, please review our HR CCPA - Notice at Collection (********************************************************************************************************** here. USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

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 As a dedicated Bank Credit Risk Analyst Principal, you will be responsible for developing and driving the frameworks for the Bank Credit Risk program that provides oversight and governance to its maturing processes, advanced governance and oversight capabilities. Conducts complex credit and financial analyses to identify and mitigate emerging credit risks across the Bank. Leverages data analytics, data insights and industry expertise to build fit for purpose and sustainable outcomes/solutions. Partners with first line Bank executives, Bank Compliance leadership, and other key executive stakeholders to drive strategic alignment of the Bank Credit Risk policy and oversight. Leads and develops high quality committee, regulatory and executive reporting and responses as needed. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Responsible for conducting statistical, econometric and financial analyses to identify and mitigate emerging credit risks across bank. Integrates artificial intelligence/ machine learning, credit and financial scenario modeling, complex data architecture, strategy, credit research, macro research and development, and design competencies. Delivers on highly complex credit and econometric solutions that mitigate the risk, costs and impacts of large and granular behavioral and macroeconomic credit risks. Drives development and maturation of complex credit and financial frameworks. Delivers cross credit, and credit impacting operational, financial and strategic initiatives to leverage asset specific insights and drive scale economies; i.e. Enterprise capital concerns related to Basel III impacts, fraud spikes and emerging trends, enterprise stress contingency lever submission and integration accuracy; finance/strategy/marketing data sourcing for Level Up new prime card product, Eligibility Expansion, Economic Capital, CRA marketing, Secured card and enterprise segment targeting. Advises on complicated credit and financial analyses across credit finance, product and marketing, operations and market risk, as well as lines of defense. Provides direction and consultation to senior leaders across the bank on highly complex and unique credit and financial risk issues. Serves as a key advisor and consultant to the Bank Head of Credit and SLOD Chief Credit Officer on risk management and mitigation efforts, a proxy / delegate in senior leadership forums. Strengthens regulatory responses to ensure industry leading quality (Consent Order, Examinations, etc.), ensuring as well appropriate communication and collaboration with impacted stakeholders. Interacts with regulators and internal and external auditors related to bank credit risk appetite, stress test, provision, modeling issues and requests. Drives remediation efforts by leveraging industry-leading subject matter expertise and experience to prioritize, strategize, and build consensus within the team and senior management (Audit findings, MRA's, etc.) across various departments. Develops efficiencies and strategic improvements to Bank Credit programs (Risk Appetite, Effective Challenge, KRI's, RAMs). Leads collaborative engagements and creates best practices across the Bank Credit product teams and the horizontal risk-aligned teams to ensure proper identification of risks and emerging trends. Responsible for the development and delivery of training to build technical and business acumen within the Bank organization. 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. 10 years experience applying operational risk frameworks, oversight and best practices to include 6 years of bank credit risk with accountability for highly complex projects/initiatives with significant impact within a financial services/banking organization. Extensive experience in model development and optimization for credit risk strategy development, delivery and implementation. Extensive experience with data analytics and insights conducting complicated/complex credit and financial analyses; identifying and mitigating emerging credit risks across bank products. Strong knowledge and understanding of interest rate, capital allocation and liquidity market to include fraud, operations, and compliance risk. Executive-level business acumen in the areas of bank credit, finance and bank industry practices. Bank credit risk consulting skills to include gathering and synthesizing business requirements and communicating and/or facilitating constructive opportunities to a variety of audience levels including senior management. Experience collaborating with key resources and stakeholders, influencing decisions, and managing work to achieve strategic goals required. Experience leading and developing high quality committee, regulatory and executive reporting and responses as needed. Strong track record of driving change across risk areas, risk tools, asset classes and processes. Demonstrated ability to manage and drive multiple remediation activities to completion timely and with high degree of quality. What sets you apart: Proven track record at fin techs or large banks for driving large scale initiatives or platforms. Experience in AI/ML or other complex initiative executions. Balanced experience and skills across analytics and program leadership / execution. Compensation range: The salary range for this position is: $189,370 - $361,950. 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.

We are currently seeking an Associate Director, Credit Underwriting Analytics, to help lead our joint borrower installment loan business. In this critical role, the select individual will help grow the newly formed joint loan strategy team. This leader will be responsible for complex end-to-end strategy development focused on how we better serve customers through joint loan offers. The role will provide the opportunity to develop new ways we partner with key business partners to improve the lending process while growing the joint loan business. Working with various partners, this individual will deliver new policies to market, monitoring, and reporting on existing strategies, and partner with technology and marketing to create new functionalities and customer experiences. They will directly impact business processes, policy/product development, revenue growth, and risk management of OneMain's largest business. A successful candidate will expand their competencies and grow their business and industry acumen, as well as demonstrate the ability to work on complex processes or projects across the end-to-end project lifecycle. They will gain knowledge to suggest new answers to old questions and continue experimenting with new technology to find better ways to provide information delivery throughout the company. In this role: Develop strong understanding of OMF customer, benefits of lending to two applicants compared to one, underwriting policies, and credit risk Develop and execute on business requirements to implement credit/business strategies to improve our lending portfolio Create end-to-end project plans, including design, execution, and testing to ensure projects function as intended with intended business outcomes Utilize data query tools (i.e., R, SAS, SQL, MATLAB, Python) and/or other analytical techniques and software to develop, test and execute analyses and reporting Effectively prioritize competing initiatives and share with senior leadership tradeoffs and constraints across various projects Partner with business leaders and different teams to define priorities, align resources, and communicate progress to executive leadership Requirements Bachelor's degree (Graduate Preferred) in a quantitative discipline, such as Engineering, Statistics, Economics, Business Management, or Computer Science is preferred. 8+ years of experience in a data driven analytics environment; consumer lending, credit cards, or Fintech preferred; PHD degrees may offset experience Advanced analytical skillset using tools such as SQL, Excel skills required; experience with multiple types of relational databases and/or querying languages is a plus Innovative and capable of developing a highly analytical approach to solving problems preferably inside consumer lending Strong communication, interpersonal and negotiation skills to achieve business objectives Ability to work in fast-paced ever-changing environment and the ability to juggle an array of tasks and individuals on tight timelines Preferred Qualifications: people management experience Location: Baltimore, MD or New York, NY Who we Are OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future. Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain. Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. That's why we've packed our comprehensive benefits package for full- and some part-timers with: Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurance Up to 4% matching 401(k) Employee Stock Purchase Plan (10% share discount) Tuition reimbursement Paid time off (15 days' vacation per year, plus 2 personal days, prorated based on start date) Paid sick leave as determined by state or local ordinance, prorated based on start date Paid holidays (7 days per year, based on start date) Paid volunteer time (3 days per year, prorated based on start date) Target base salary range is $160k - $180k, which is based on various factors including skills and work experience. In addition to base salary, this role is eligible for a competitive additional compensation program that is based on individual and company performance. Save Job