Lead SAS Credit Risk Analyst - Unsecured Lending

Business Risk Professional

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

The Business Risk Professional will partner with Consumer and Business Banking (CBB), other Business Risk Professionals, and Business Risk Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework.

May participate in projects and / or activities that ensure compliance with applicable federal, state and local laws and regulations.

May identify gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors.

May actively identify, respond and / or escalate risks as appropriate.

May inform policies and procedures to maximize profit potential and minimize regulatory exposure.

May serve as a functional liaison between CBB and the Lines of Defense.

Basic Qualifications :

Bachelors degree, or equivalent work experience

10 or more years of applicable experience

Applicable professional certifications

Preferred Skills / Experience :

Advance degree in business, computer science, economics, finance, mathematics, operations research, or statistics

Advanced knowledge of SAS, SQL, R, Python, or other database programming languages

Expert in Tableau

Experience creating reader-centered dashboards and report automation

Experience in credit risk developing credit risk strategies for underwriting and account management for unsecured lending products

Experience as a model owner developing model performance monitoring or working in model risk management

Experience working with large datasets

Effective verbal, written and presentation communication skills

Effective technical report writing skills

Ability to work independently with minimal guidance from manager

Location Expectations :

This role is hybrid. Team members who are in a hybrid role typically spend three days a week at the listed U.S. Bank location(s), while having flexibility on their work location for the other working days.

Benefits :

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours) :

Healthcare (medical, dental, vision)

Basic term and optional term life insurance

Short-term and long-term disability

Pregnancy disability and parental leave

401(k) and employer-funded retirement plan

Paid vacation (from two to five weeks depending on salary grade and tenure)

Up to 11 paid holiday opportunities

Adoption assistance

Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.