Credit Risk Analytics & Modeling

1114 Avenue of the Americas, NYC, NY, 10036

Department: Risk Management / Credit Risk Management
Location: New York, NY (Hybrid – 3 days in office)
Employment Type: Full-time
Reports to: Head of Credit Risk Analytics & Modeling
Visa Sponsorship: Not available

For more than 70 years, IDB Bank has been committed to delivering exceptional service and building long‑term client relationships through disciplined banking, strong partnership, and a high‑touch approach. As a growing commercial bank, IDB offers the opportunity to work in a collaborative, entrepreneurial environment where talented professionals can make a visible impact and help shape the future of the institution.

IDB Bank is seeking an experienced credit risk professional to join its Credit Risk Analytics & Modeling team in a high‑impact role supporting the continued evolution of the bank’s wholesale credit risk framework. This position is ideal for a candidate who combines deep quantitative and modeling expertise with a practical, business‑oriented mindset and a passion for building scalable solutions in a growth‑oriented institution.

The successful candidate will play a central role in the ownership, enhancement, and governance of the bank’s internal and vendor credit risk models, including risk rating scorecards, expected loss implementation, override monitoring, portfolio analytics, and credit stress testing
. This individual will partner closely with stakeholders across Credit, Finance, Technology, and Data Governance to strengthen analytics, automate processes, and improve the quality, transparency, and usability of model outputs across the organization.

This is an excellent opportunity for a hands‑on credit risk modeling leader who wants to bring energy, judgment, and modern analytical thinking to a smaller institution where meaningful contributions are visible and create immediate impact.

• Serve as the subject matter expert for the bank’s wholesale credit risk rating and scorecard models, helping ensure consistent, effective use across underwriting, monitoring, and portfolio management activities. Lead enablement for model users (training sessions, job aids, interpretation guidance, vendor tool upgrades), improving consistency and decision quality.
• Maintain, test, monitor, and enhance internal and vendor‑supported credit risk models, with a focus on model performance, applicability, transparency, and business usability.
• Design and implement reporting and analytics to support portfolio Expected Loss execution, model override monitoring, and portfolio risk insights generation.

• Lead annual model maintenance activities and support the full model lifecycle, including monitoring, documentation, change management, issue remediation, and user guidance.
• Coordinate annual validation efforts with third‑party validators by explaining methodologies, processes, assumptions, and monitoring results, and by managing the resolution of findings and recommendations.
• Enhance monitoring and governance practices to ensure that model oversight is not only compliant, but also practical, efficient, and informative for decision‑makers.
• Lead the refit and, where appropriate, redevelopment of credit scorecards for the Commercial & Industrial, Commercial Real Estate and Private Banking portfolios.
• Elevate the bank’s credit portfolio stress testing framework, methodologies, and reporting to support stronger portfolio management, concentration analysis, and risk oversight.
• Contribute to the ongoing development of value‑added portfolio analytics that enhance the bank’s risk‑return framework and support more informed credit decisions.

• Define business data requirements and partner with Technology and Data Governance teams to improve credit risk data aggregation, reporting, controls, and analytics infrastructure.
• Use analytical tools and automation techniques to reduce manual processes, strengthen controls, and increase the consistency and repeatability of reporting and model monitoring outputs.
• Identify opportunities to improve workflows,…