Senior Credit Risk Modeling Analyst
San Antonio, TX · Accounting/FinanceJob Title: Senior Credit Risk Modeling Analyst
Location: San Antonio, TX (Hybrid)
Salary: $115,000
Industry: Financial Services / Credit Risk
About the Role
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.
Key Responsibilities
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
Qualifications
- 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
Preferred Experience
- 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
Work Environment & Culture
- 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