Senior Credit Risk Modeling Analyst

Job Title:
Senior Credit Risk Modeling Analyst

Location: San Antonio, TX (Hybrid)
Salary: $115,000
Industry: Financial Services / Credit Risk

We are seeking a highly analytical Senior Credit Risk Modeling Analyst to help build and lead the next generation of credit underwriting models within a growing financial institution. This is a ground-floor opportunity to bring credit risk modeling in-house, moving the organization from reporting-focused analytics to advanced, data-driven decisioning.

You will serve as the subject matter expert on a small team, owning the full model lifecycle—from development and validation to monitoring and optimization—while helping elevate the team’s overall modeling capabilities.

Model Development & Strategy

• Design and develop credit risk models for loan underwriting using internal and external data
• Lead major model refresh initiatives using historical application and performance data
• Build decision-tree and predictive models to improve approval strategies and risk outcomes

Model Lifecycle Ownership

• Own end-to-end model lifecycle: development, documentation, validation, and deployment
• Monitor model performance and identify trends or deviations from expectations
• Recommend and implement enhancements based on performance insights

Data & Tools

• Work within Databricks using SQL and Python for data extraction, transformation, and modeling
• Integrate internal datasets with third-party data sources (e.g., Experian)
• Support model deployment within external platforms (e.g., PCOE / Strategy Design Studio)

Collaboration & Stakeholder Engagement

• Partner with analysts to support reporting, testing, and monitoring efforts
• Work with audit, risk, and leadership teams to defend model assumptions and decisions
• Collaborate with external vendors on model implementation and optimization
• Communicate complex modeling concepts to both technical and non-technical stakeholders

• Bachelor’s degree in Finance, Statistics, or a quantitative field (Master’s preferred)
• 5+ years of experience in credit risk modeling or similar quantitative role
• Hands‑on experience building and validating credit risk or underwriting models
• Strong experience with SQL and Python (R or other tools a plus)
• Experience working in a regulated financial environment (bank or credit union preferred)
• Ability to explain and defend models under audit and regulatory review
• Strong analytical thinking and problem‑solving skills

• Experience with Experian PCOE / Strategy Design Studio
• Exposure to CECL or credit loss modeling frameworks
• Experience integrating third-party credit bureau data into models
• Background working with Databricks or similar data platforms

• Hybrid schedule (~30% onsite; team works in‑office on designated weeks)
• Collaborative, high‑growth environment with a small, developing team
• Leadership style is hands‑off, with strong support for removing roadblocks
• Opportunity to shape and expand the organization’s credit risk modeling function