Risk Analyst

Overview

This role involves serving as a Senior Bank Credit Risk Analyst with a focus on credit risk strategy development for deposit and consumer credit portfolios. The position aims to optimize profitable growth within risk appetite while managing operational and compliance risks inherent in credit strategies. The analyst will track and monitor credit strategy performance and external factors impacting credit risk exposure for bank portfolio products.

The position requires working in the office 4 days per week and is based in either San Antonio, TX or Plano, TX. Relocation assistance is not provided.

Responsibilities

• Identify risks and opportunities within the managed portfolio using industry-leading practices and analytical skills.
• Develop and deliver credit risk strategies to optimize profitable growth within risk appetite.
• Apply critical thinking to synthesize analyses, identify root causes, and develop clear recommendations to influence senior decision makers.
• Partner across lines of defense to develop and improve complex analytical frameworks and communicate insights to stakeholders and leadership.
• Analyze internal and external data to identify first-party fraud.
• Use industry knowledge and competitive benchmarking to inform credit strategy development.
• Perform advanced quantitative analysis using internal and external data sources to address complex problems.
• Develop, manage, and present comprehensive risk and financial reporting to support senior management and committee oversight.
• Design and perform complex financial risk sensitivity analyses.
• Create and manage credit strategy infrastructure ensuring proper implementation.
• Utilize expert programming and analytical techniques to analyze credit data.
• Provide thought leadership, coaching, and mentoring to team members on analytics and risk management.
• Collaborate with key stakeholders to guide and facilitate teams in developing and implementing key initiatives.
• Use analytically derived insights to develop strategic plans impacting business results.
• Coach and mentor other analysts and act as a thought leader within the analyst community.

Requirements

• Bachelor's degree in Business Management, Finance, Economics, Engineering, or a Mathematical discipline; OR 4 additional years of related experience may substitute for the degree.
• Minimum 6 years of experience in an analytical field or leading analytical projects, advanced analytics, risk assessments, or bank credit risk data; OR an advanced degree in a related field plus 4 years of relevant experience.
• Experience in financial analysis supporting risk strategy.
• Strong understanding of banking regulations, risk, and compliance.
• Advanced presentation and communication skills.
• Advanced business acumen with attention to detail and accuracy.
• Advanced research and investigation skills with good judgment in problem solving.
• Advanced knowledge of Microsoft Office products, especially Excel, Word, and PowerPoint.
• Advanced skills in data analysis tools including SQL, SAS, or other business intelligence software for data segmentation, aggregation, and statistics.
• Knowledge of federal laws and regulations such as FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, and OCC Credit Risk Guidance.

Preferred Qualifications

• Experience delivering business insights and recommendations through internal and industry data analysis.
• Over 6 years of experience with consumer credit risk analytics focused on auto consumer loans credit strategy development, implementation, and monitoring.
• Proficiency with SAS or SQL for data gathering and analysis, including complex data aggregation and anomaly resolution.
• Experience preparing and communicating credit strategy recommendations and complex analysis results to senior leadership and various partners including Credit Risk Review, Pricing, Product, Legal, Compliance, Underwriting, and Operations.
• Experience designing and evaluating tests (e.g., A/B tests) to optimize risk-reward frameworks.
• Proven ability to drive multiple analytics projects and strategies with limited guidance.
• Experience optimizing underwriting criteria using statistical models and analysis of traditional and alternative credit data.
• Experience working with Experian Sandbox and alternative data sources such as Lexis Nexis.

Compensation & Benefits

• Salary range: $127,310.00 - $243,340.00, dependent on experience and location.
• Eligibility for pay incentives based on corporate and individual performance.
• Comprehensive benefits including medical, dental, vision, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off with holidays and volunteer hours, and wellness programs.
• Career path planning and continuing education support.

Additional Information

• Visa sponsorship is not available for this role; candidates requiring immigration support should not apply.
• Applications are accepted on an ongoing basis until the position is filled.
• Equal opportunity employer committed to non-discriminatory hiring practices.