Your question is Credit Deterioration KRIs. Take a moment with it on the right.
Talk me through your thinking if you like. When you're confident, submit your answer and I'll grade it like a real screen (7/10 or better passes).
What key risk indicators (KRIs) would you monitor to identify early warning signs of credit deterioration at USAA?
Explain which indicators you would prioritize, how you would define and calculate them, and how you would distinguish normal seasonal movement from meaningful deterioration. Address both leading indicators, such as payment behavior and utilization, and lagging outcomes, such as delinquency and charge-offs. Describe how you would segment the analysis and what actions a material change would trigger.