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.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

Our Property & Casualty (P&C) Risk team is seeking a Quantitative Risk Analyst Lead to leverage advanced analytics, actuarial principles, and risk management expertise to influence critical business decisions. This role is ideal for a quantitative professional who thrives at the intersection of data, risk, and strategy. The successful candidate will develop, validate, and challenge complex models supporting pricing, reserving, capital risk, forecasting, and overall risk management activities. Working closely with business partners and senior leadership, you will identify emerging risks, evaluate market trends, and provide actionable insights that enhance business performance while ensuring sound risk practices.

This position requires a highly analytical and self-directed professional with a strong foundation in actuarial science, statistics, mathematics, economics, or a related quantitative discipline. Candidates should bring experience independently sourcing, validating, and analyzing large datasets to support risk assessments, pricing decisions, and strategic forecasting efforts. Preferred candidates will possess actuarial credentials such as ACAS designation or equivalent advanced quantitative expertise, along with hands-on experience validating go-to-market pricing strategies, conducting rate trend analyses, and communicating complex findings to both technical and executive audiences. This role offers the opportunity to lead complex initiatives, influence enterprise-wide risk decisions, and serve as a trusted advisor within a fast-paced and highly collaborative risk organization.

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, or Charlotte, NC

Relocation assistance is not available for this position.

What you'll do:

• Applies expert analytical knowledge to utilize advanced analytics to assess future risk and/or new risks, opportunities, and effectiveness.
• Translates results into meaningful solutions to enhance decision making.
• Presents findings to senior level leadership.
• Applies expert knowledge and industry best practices to quantify risk and aggregate exposures.
• Develops complex systems and programs that measure aggregate risk exposures.
• Performs model validations and presents results to senior leadership.
• Applies innovative and scientific/quantitative analytical approaches to draw conclusions and make recommendations to answer business objectives and drive change.
• Translates recommendations into communication materials to effectively present to senior leadership.
• Recommendations typically have a major impact on business results.
• Provides subject matter expertise in operationalizing recommendations.
• Applies expert knowledge to produce advanced analytical material to lead discussions with cross functional teams and senior leadership to understand complex business objectives and influence solution strategies.
• Demonstrates thought leadership in cross functional team environments.
• Drives and creates cross functional teams in support of initiatives that have significant impact to the enterprise or a core business area.
• Provides direction and mentorship to other team members in the peer review process.
• Expertly communicates analytical results, findings and solutions to governance committees and business process owners and influences business analysis.

What you have:

• Bachelor's degree in Economics, Finance, Statistics, Mathematics, Engineering, Actuarial Sciences, or quantitative field; OR 4 years of relevant education and/or experience.

Experiences that will support your success:

• 8 years of related quantitative analysis experience in a discipline relevant to risk management to include statistical analysis, modeling, mathematics or other quantitative discipline.
• OR advanced degree/designation in Economics, Finance, Statistics, Mathematics, Actuarial Sciences, or other quantitative discipline and 6 years work experience in a quantitative discipline relevant to risk management.
• OR PhD in Economics, Finance, Statistics, Mathematics, or other quantitative discipline and up to 4 years work experience in a quantitative discipline relevant to risk management.

What sets you apart:

• US military experience gained through military service or gained as a military spouse / domestic partner
• Advanced Quantitative Risk Analytics Expertise - Demonstrated experience developing, validating, and challenging quantitative models supporting pricing, reserving, capital risk, forecasting, and risk management decisions within financial services or insurance environments.
• Actuarial or Advanced Analytical Credentials - ACAS (Associate of the Casualty Actuarial Society), or equivalent advanced quantitative, actuarial, statistics, mathematics, economics, or data science background.
• Data Management and Independent Analytical Capability - Proven ability to independently source, manipulate, validate, and analyze large and complex datasets, leveraging analytical tools to produce actionable risk insights and business recommendations.
• Pricing Strategy and Forecasting Experience - Experience evaluating pricing strategies, validating go-to-market pricing decisions, conducting rate trend analysis, and developing forecasts that influence business performance and risk outcomes.
• Executive Communication and Risk Governance Skills - Demonstrated ability to translate complex quantitative analyses into clear, concise presentations, business routines, and formal risk memorandums for executive leadership, governance committees, regulators, and other internal and external stakeholders.

Compensation range: The salary range for this position is: $143,320 - $273,930.

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.