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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

We are seeking a Credit Risk Data Leader within the Credit Transformation, Data Strategy and Insights team which is part of our Credit Risk Administration (CRA) team. We seek an experienced leader to oversee data product resources, implement new technologies and tools, advance data modeling and analytics, promote and implement cloud scalable solutions, and strengthen data governance.

About the Credit Risk Administration (CRA) Team

We are a highly dynamic and talented team which delivers on our mission through four pillars: Customer, Process, Talent, and Data.

**Vision |** We create the future of credit risk management through data, analytics, and risk process innovation for our customers.

**Mission |** We deliver data-driven information solutions to protect our stakeholders and inform the most significant financial decisions in the bank.

**Values |** In addition to U.S. Bank core values, we prioritize collaboration, integrity, simplicity, and continuous learning.

About the Role

In this role, you will lead a team responsible for both day-to-day credit data quality and management as well as the transformation and oversight of credit data processes that support Credit Risk Management. You will split your time between hands-on data process management and execution and transforming the platform to strategically modernize our data infrastructure, strengthen governance, and align with enterprise-wide data strategies.

You will own and evolve the credit data vision and domain, integrating new technologies, overseeing governance practices, and ensuring alignment with enterprise data strategy. This role is central to both day-to-day operational excellence and the modernization of our data platforms, supporting teams across Credit Risk Management.

You will represent credit in key critical projects including Basel 3 End Game, Category II migration and enterprise data strategy.

You will work closely with business stakeholders, Risk Managers, Model Owners, Technology teams, Source System owners, Business Line partners, Data Domain owners, and Reporting functions to gather requirements, define priorities, and deliver scalable data solutions. You will also partner with the Chief Data Product Officer to align credit data with enterprise data domain strategy and governance standards.

Key Activities

+ Lead the design and implementation of credit data strategy, including governance, new technology adoption, and modernization.

+ Oversee BAU data processes (i.e. Month and Quarter End Close), ensuring data quality, operational continuity, and regulatory compliance.

+ Support system conversions and cloud migration efforts, ensuring seamless integration and minimal disruption.

+ Drive adoption of open-source tools and cloud-native platforms to enhance scalability and flexibility.

+ Leverage AI tools and platforms, including Microsoft Copilot, to enhance productivity, automate processes, and support data workflows.

+ Collaborate with stakeholders to define, prioritize, centralize, and standardize data requirements, ensuring that the solutions delivered support both credit and business objectives.

+ Lead and mentor a team of data professionals, fostering innovation and continuous improvement.

+ Support global delivery efforts.

Core Competencies

+ Deep understanding of credit data across Commercial, Wholesale, and Retail portfolios.

+ Credit data governance and regulatory knowledge (e.g., Basel III, Category II, CCAR, CECL, Regulatory Submissions FRY14).

+ Cloud data architecture and open-source tooling (e.g., Spark, Airflow, AWS, Azure, Snowflake).

+ Data strategy and domain alignment.

+ Familiarity with AI-driven tools and automation platforms (e.g., Microsoft Copilot, Microsoft Power Platform) to streamline data operations and accelerate data delivery.

+ Strong leadership and stakeholder engagement.

+ Technical fluency in SQL, Python, or similar languages.

Basic Qualifications

+ Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent work experience).

+ 10 or more years at a financial institution working in one or combination of data management, data governance, data quality, or data analytics.

+ Extensive knowledge of credit risk data across commercial and retail lending portfolios.

+ 3 or more years of management experience (including leading multidisciplinary development teams).

Preferred Skills

+ Strong understanding of credit decisioning metrics such as credit score, loan-to-value, risk ratings, and debt service coverage ratio.

+ 10+ years of hands-on experience with programming languages such as Python, SQL, and SAS.

+ Proficiency with big data technologies including Hadoop, Hive, and Spark.

+ Experience designing and implementing data lineage frameworks and enterprise data model architectures.

+ Familiarity with version control systems and collaborative development workflows like GitLab and GitHub.

+ Expertise in visual analytics tools such as Power BI, Tableau, or equivalent platforms.

+ Proven track record in automating and optimizing ETL processes at scale.

+ Working knowledge of SOX controls and quality assurance frameworks in financial services.

+ Experience building robust data controls, validation checks, and audit-ready reporting pipelines.

+ Strong familiarity with both Microsoft and Linux/UNIX environments.

+ Hands-on experience with cloud platforms (e.g., Azure, AWS, GCP) and cloud-native data services.

+ Excellent written and verbal communication skills for documenting technical processes and engaging with cross-functional teams.

+ Demonstrated ability to synthesize complex data analysis into actionable insights for senior management.

+ General knowledge of finance, banking, and accounting principles relevant to credit risk.

+ Experience supporting regulatory initiatives such as CCAR, CECL, DFAST, or Basel III.

+ Proven ability to work independently and collaboratively across multidisciplinary teams.

+ Strong project management skills and experience leading data-driven transformation initiatives.

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 (https://careers.usbank.com/global/en/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 (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

E-Verify

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: $170,255.00 - $200,300.00

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.