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 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 #J-18808-Ljbffr TriQuest Business Services