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.

Job Description

The 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

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

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.

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.

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.