Credit Risk Data Scientist II – CECL & Model Governance

Coastal Bend College; United States; Remote; USD 140,000 - 210,000; Full time

Benefits offered by this job

Medical Coverage

401(k) Retirement Plan

Paid Time Off

Holidays

Job summary

Coastal Bend College is seeking a seasoned Credit Risk Modeling Lead to oversee development, validation, and performance monitoring of credit risk models for consumer portfolios. You will guide data science methods, ensure governance, and support regulatory reporting.

The role requires deep expertise in CECL, loss forecasting, and macroeconomic scenario analysis, with strong communication to senior management and regulators. Join a fast-paced team shaping risk management practice.

Qualifications

• Proven experience overseeing development, validation, and performance monitoring of credit risk models.
• Expert level data science techniques for loss forecasting and decisioning.
• Proficiency in R, Python, SAS, SQL and other modeling tools.
• Strong business knowledge of consumer credit (cards, personal loans).
• Ability to manage model governance, validation, and production controls.
• Solid understanding of CECL, stress testing, and macroeconomic scenarios.
• Experience with data management and data quality in modeling inputs/outputs.
• Excellent communication with senior management, auditors, and regulators.

Responsibilities

• Oversee development, validation, and performance monitoring of all credit risk models used for decision-making and reporting.
• Apply machine learning and statistical techniques for loss forecasting and credit decisioning.
• Manage the model governance framework for development, production, and validation.
• Communicate with senior management, auditors, and regulatory stakeholders.
• Ensure alignment of modeling activities with risk appetite and strategic goals.

Skills

Credit risk modeling

Data science techniques

Statistical software

CECL knowledge

Communication skills

Education

Bachelor's degree in quantitative fields

Master's degree in quantitative discipline

Tools

R

Python

SAS

SQL

Job description

Coastal Bend College is seeking a seasoned Credit Risk Modeling Lead to oversee development, validation, and performance monitoring of credit risk models for consumer portfolios. You will guide data science methods, ensure governance, and support regulatory reporting.

The role requires deep expertise in CECL, loss forecasting, and macroeconomic scenario analysis, with strong communication to senior management and regulators. Join a fast-paced team shaping risk management practice.