Credit Risk Model Operations Analyst

U.S. Bank; Warszawa; Hybrid; PLN 180,000 - 240,000; Full time

Benefits offered by this job

Salary ranges

Incentives

Career progression

Education support

Employee recognition

Job summary

U.S. Bank is seeking an Operational Analyst to support credit risk models used for loss forecasting and stress testing. The role focuses on implementing models into production, monitoring performance, and automating processes to improve efficiency.

The ideal candidate combines strong analytical and technical skills with experience in SAS, Python, SQL, and data visualization tools, contributing to governance and risk management while collaborating across teams.

Qualifications

• Bachelor's degree in statistics, mathematics, economics, finance, computer science, data science, engineering, or related quantitative discipline.
• 3+ years of experience in analytics, model operations, model implementation, credit risk management, or related field.
• Intermediate proficiency in SAS for data manipulation, reporting, and automated processing.
• Intermediate proficiency in Python for data analysis, automation, and scripting.
• Experience with large datasets and relational databases.
• Strong analytical, problem-solving, and troubleshooting skills.
• Ability to communicate technical concepts effectively to technical and non-technical audiences.
• Familiarity with reporting and visualization tools such as Power BI or Tableau and knowledge of model risk governance.

Responsibilities

• Support the implementation of credit risk models into production environments, including testing, validation, and deployment activities.
• Execute recurring model production runs and ensure timely delivery of model outputs and reporting.
• Monitor model performance, stability, and operational health through established monitoring processes and controls.
• Investigate production issues, analyze root causes, and partner with stakeholders to implement corrective actions.
• Develop and maintain SAS and Python programs used for model execution, monitoring, reporting, and automation.
• Perform data analysis and quality checks to ensure completeness and accuracy of model inputs and outputs.
• Produce monitoring reports, dashboards, and documentation supporting model governance and risk management requirements.
• Collaborate with model developers, implementation teams, data teams, and technology partners to support model lifecycle management.
• Identify opportunities to streamline processes, increase automation, and reduce operational risk.
• Maintain supporting documentation, procedures, and controls as evidence required for regulatory and audit compliance.

Skills

Credit risk models

SAS

Python

SQL

Databricks

Data analysis

Education

Bachelor's degree in quantitative field

Tools

SQL

Databricks

Power BI

Tableau

Azure Databricks

Job description

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One. As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other. We actively uphold transparent and fair hiring practices that support individual opportunity, inclusive culture, and career mobility across all levels of our organisation. We offer meaningful opportunities for growth, a culture of inclusion, and a strong commitment to transparency and integrity in everything we do.

Job Description

We are seeking an Operational Analyst to support the execution, monitoring, and implementation of credit risk models used for loss forecasting and stress testing processes. This role is responsible for ensuring models are accurately implemented, executed, monitored, and maintained within production environments. The analyst will work closely with model development, technology, and business partners to support model operations (implementation, production and monitoring), process improvements, and automation initiatives. The ideal candidate combines strong analytical and technical skills with an understanding of credit risk modeling concepts and a passion for improving operational processes through automation and data-driven solutions.

Responsibilities

• Support the implementation of credit risk models into production environments, including testing, validation, and deployment activities.
• Execute recurring model production runs and ensure timely delivery of model outputs and reporting.
• Monitor model performance, stability, and operational health through established monitoring processes and controls.
• Investigate production issues, analyze root causes, and partner with stakeholders to implement corrective actions.
• Develop and maintain SAS and Python programs used for model execution, monitoring, reporting, and automation.
• Perform data analysis and quality checks to ensure completeness and accuracy of model inputs and outputs.
• Produce monitoring reports, dashboards, and documentation supporting model governance and risk management requirements.
• Collaborate with model developers, implementation teams, data teams, and technology partners to support model lifecycle management.
• Identify opportunities to streamline processes, increase automation, and reduce operational risk.
• Maintain supporting documentation, procedures, and controls as evidence required for regulatory and audit compliance.

Requirements

• Knowledge of credit risk models used for loss forecasting, stress testing, CECL, ACL, CCAR, IFRS or related regulatory processes.
• Bachelor's degree in Statistics, Mathematics, Economics, Finance, Computer Science, Data Science, Engineering, or related quantitative discipline.
• 3+ years of experience in analytics, model operations, model implementation, credit risk management, or related field.
• Intermediate proficiency in SAS, including data manipulation, reporting, and automated processing.
• Intermediate proficiency in Python, including data analysis, automation, and scripting.
• Experience working with large datasets and relational databases.
• Strong analytical, problem-solving, and troubleshooting skills.
• Ability to communicate technical concepts effectively to both technical and non-technical audiences.
• Strong organizational skills and attention to detail.
• Optional Experience supporting model monitoring, model production, or model implementation activities.
• Familiarity with credit risk data and forecasting methodologies used in financial services.
• Experience with SQL, Databricks, Power BI, Tableau, or other reporting and visualization tools.
• Knowledge of model risk management, governance, and regulatory expectations.
• Experience with cloud-based tools and infrastructure (Azure Databricks preferred).

This role requires working from a U.S. Bank location three (3) or more days per week.

Accessibility

We are committed to providing an inclusive and accessible recruitment experience. If you need adjustments at any stage of the application or hiring process, please contact your recruiter for guidance and support.

Total Rewards

• Clearly defined salary ranges aligned with industry benchmarks and internal equity standards.
• Performance-based incentives for eligible employees (as defined by relevant plan rules), awarded through transparent, objective criteria that recognize both individual and company performance.
• Inclusive equitable benefits that are accessible to all employees and focused around our 3 main pillars of financial wellbeing, health & wellness).
• Continuous development opportunities including training, education support, and career progression pathways based on inclusive and transparent criteria.
• Employee recognition programs that celebrate achievements and milestones for all.
• We regularly review our compensation and benefits to ensure they remain competitive, inclusive, and responsive to employee needs and market trends.

Closing Date Posting

Posting may be closed earlier due to high volume of applicants. We aim to provide timely updates throughout the process and encourage early applications to ensure consideration.