Job DescriptionThe Senior Portfolio Risk and Strategy Analyst partners with their assigned Line of Business, other Risk/Compliance/Audit (RCA) professionals, and RCA Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework. Participates in projects and/or activities that ensure compliance with applicable federal, state, and local laws and regulations. Identifies gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors. Identifies, responds and/or escalates risks as appropriate. Serves as a functional liaison between the Line of Business and the Lines of Defense.
- Lead Champion/Challenger testing across Lending Services business lines, including Consumer, Mortgage, and Commercial, within Collections, Recovery, Repossession, and Loss Mitigation.
- Work with cross-functional business partners to translate test results and performance insights into actionable strategy enhancements, implementation recommendations, and ongoing performance monitoring.
- Analyze and monitor portfolio and program performance across Lending Services, including Investor scorecard performance, to identify key trends, performance drivers, risks, and opportunities for improvement.
- Partner with Finance and business lines to support collections goal setting, delinquency forecasting, performance analysis, and reporting.
- Explore and apply AI capabilities in analysis, strategy testing, and reporting to improve efficiency, strengthen insights, and support informed decision-making.
- Experience partnering with cross-functional teams, including Finance, Operations, Risk, Technology, and business lines, to support strategy implementation, goal setting, forecasting, and reporting.
- Experience across multiple Lending Services business lines is a plus.
- Proficiency with analytical and reporting tools, with an interest in applying AI capabilities to analysis, testing, reporting, and process improvement.
- Strong analytical, problem-solving, and communication skills, with the ability to synthesize complex findings and present recommendations to senior leadership and executive stakeholders.
Basic Qualifications - Bachelor's degree, or equivalent work experience
- Typically more than eight years of applicable experience
Required Skills- Experience with Champion/Challenger strategy testing within Lending Services, including Consumer, Mortgage, Commercial, Collections, Recovery, Repossession, and/or Loss Mitigation.
- Strong portfolio and program analytics experience, with the ability to analyze performance, identify key trends and performance drivers, assess risk, and uncover opportunities for improvement.
- Experience applying AI capabilities to analytics, strategy testing, and reporting to improve efficiency, strengthen insights, and support business decision-making.
- Proficiency in SQL or Python is required, including experience using data to support analysis, testing, reporting, and business insights.
Preferred Skills/Experience - Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business
- Considerable understanding of the business line's operations, products/services, systems, and associated risks/controls
- Thorough knowledge of Risk/Compliance/Audit competencies
- Strong analytical, process facilitation and project management skills
- Effective presentation, interpersonal, written and verbal communication skills
- Effective relationship building and negotiation skills
- Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations
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:
- 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
Review our full benefits available by employment status here.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $119,765.00 - $140,900.00
Posting may be closed earlier due to high volume of applicants. 
