Senior Credit Risk Modeling Analyst

RBFCU Insurance Agency LLC; Town of Texas (WI); Hybrid; USD 110,000 - 150,000; Full time

Benefits offered by this job

401(k) matching

Medical benefits

Tuition reimbursement

Life insurance

Pharmacy discount

FSA/HSA

Paid time off

Parental leave

Wellness program

Credit-monitoring service

Employee assistance program

Long-term disability

Job summary

Randolph-Brooks Federal Credit Union is seeking a Senior Credit Risk Modeling Analyst to design and build credit risk models enabling automated underwriting. The role uses advanced statistics and ML on large datasets while ensuring governance and regulatory alignment.

The position offers a hybrid work schedule after training, with work from Home in Texas and collaboration with the Consumer Lending team to monitor risk exposures and drive profitability.

Qualifications

• Master’s degree in finance, statistics, or a quantitative field, or 6 years of related experience.
• Minimum 5 years in a credit risk modeling or banking/financial services role.
• Strong analytical and mathematical abilities with attention to risk.
• Ability to explain complex concepts to non-technical stakeholders.

Responsibilities

• Design and build credit risk models to enable automated underwriting.
• Apply statistical and ML techniques to large datasets for feature engineering and loss forecasting.
• Monitor model performance and detect variable drift.
• Collaborate with IT and lending teams to integrate data for models.
• Document methodologies and present results to management.
• Provide guidance on risk exposure and profitability projections.

Skills

Analytical skills

Mathematics

Organizational skills

Planning skills

Python

R

Statistical modeling

Time-series analysis

Survival analysis

Value-at-risk

Machine learning

Communication

Education

Master’s degree in finance, statistics, or quantitative field

Tools

Python

R

Modeling systems

Job description

## Senior Credit Risk Modeling AnalystApplylocations: ASC - San Antoniotime type: Full timeposted on: Posted Yesterdayjob requisition id: 015141**Job Description and Requirements**Randolph-Brooks Federal Credit Union is currently searching for an experienced and talented Senior Credit Risk Modeling Analyst to join our amazing Consumer Lending team!Senior Credit Risk Modeling Analyst will have the ability to work a hybrid schedule (remote/onsite) after a period of training (time frame may vary). Training will take place at the RBFCU Administrative Service Center: **1 Ikea-RBFCU Pkwy, Live Oak, Texas 78233**.**All applicants must reside within the state of Texas and have the capability of performing all of the work from their home in Texas.**To successfully work from home, employees must have access to a minimum internet connection as noted by RBFCU.* Must have a reliable home internet provider and the ability to hard wire a connection directly to modem (Ethernet cable provided)* Must be able to provide a workspaces at home that is safe, suitable for work, and within a distraction free environmentThe Senior Credit Risk Modeling Analyst will design and build credit risk models that enable automated underwriting while optimizing decision rates and loss performance within defined risk tolerances. Apply statistical and machine‐learning techniques to large, complex datasets for feature engineering, model development, and loss forecasting, with consideration for governance and regulatory requirements. Continuously monitors model performance and input stability to detect variable drift and emerging risk as origination strategies evolve.**Essential Functions and Responsibilities:*** Utilizes risk modeling techniques to identify, quantify, and forecast potential credit risk and opportunities for the institution* Develops and maintains expertise in the fields of risk quantification and modeling to support both internal and external stakeholders* Collaborates with stakeholders to understand product characteristics used for modeling while assisting in communication and education of current and expected risk exposures* Makes recommendations to management on current and future strategies and profitability projections* Perform other quantitative analysis for institution stakeholders as needed* Leverage expertise to foster and expand collective knowledge within the team* Gathers and analyzes pertinent data to create or strengthen models that forecast risk exposure and help make informed business decisions* Continuously monitor the economic and business environments to update models as new data becomes available* Defines, documents, and summarizes methodologies, assumptions, and results of risk models and prepares reports for management* Act as a liaison between lending and IT to assist in the aggregation and organization of institutional data for the use in models and reporting.* All other duties as assigned (note: essential functions and responsibilities may change, or new ones may be assigned at any time with or without notice)**Requirements:*** Master’s degree in finance, statistics or other quantitative field or 6 years of job-related experience in lieu of master’s degree* Minimum 5 years of experience in a similar role or experience in similar areas in the Banking/Financial Services Industry* Strong analytical, mathematics, organizational, and planning skills* Ability to articulate complex theories, concepts, methodologies, and findings in a non-technical manner to a non-technical audience* Innovative self-starter with ability to meet deadlines, work independently, and think outside the box* Excellent interpersonal skills, with a desire to pursue best practices in a challenging team environment* Proficient to advanced knowledge of statistical modeling and other quantitative techniques including, but not limited to, linear & non-linear regression, optimization, simulation, time-series analysis, probability theory, survival analysis, and value-at-risk* Knowledgeable of modeling systems and/or computer programming languages used for modeling (e.g. python & R)* Ability to complete multiple projects and meet deadlines* Capable of working on assignments with minimal assistance***All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.***### About Us**Careers at RBFCU**Randolph-Brooks Federal Credit Union (RBFCU) is the largest credit union in Texas with more than 1 million members and total assets exceeding $15 billion.Recognized for financial stability, our credit union consistently receives the highest ratings of “Five Star” and “Superior” from respected organizations that evaluate financial institutions in the United States.We’re frequently recognized as one of the best workplaces in San Antonio, Austin, the state of Texas and the country.**Our Benefits**RBFCU is proud to offer a comprehensive benefits package, including:* 401(k) with matching incentives — up to 10 percent* Competitive pay* Medical, vision and dental benefits available to employees and their families from the first day of employment* Tuition reimbursement plans* Life insurance* Pharmacy discount programs* Flexible Spending (FSA), Health Savings (HSA) and Dependent Care account options* Paid time off* Parental leave* Company-paid benefits include: + Long-term disability + Basic life insurance + Wellness program + Credit-monitoring service + Employee assistance program* Training and volunteer opportunities****Apply to join the RBFCU family!****