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Credit Risk Modeler Jobs (NOW HIRING)

Made Card

Credit Risk Manager

New York, NY · On-site

$100K - $110K/yr

Model Decisioning: Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs. * Portfolio Performance: Develop and monitor KPIs, analyze trends, and deliver actionable ...

Regional Finance

Director, Credit Risk

Plano, TX · On-site

Oversee model development, validation, and performance monitoring Business Partnership & Leadership * Advise executive leadership on credit risk exposure and strategic decisions * Partner with ...

Regional Finance

Director, Credit Risk

Plano, TX · On-site

Oversee model development, validation, and performance monitoring Business Partnership & Leadership * Advise executive leadership on credit risk exposure and strategic decisions * Partner with ...

Gauntlet

Credit Risk Analyst

New York, NY · On-site +1

This is not a seat where you inherit a model and press run. You will define the underwriting ... The role The Credit Risk team runs due diligence on the assets, protocols, and chains supported by ...

Regional Finance Corp

Director, Credit Risk

Plano, TX · On-site

Oversee model development, validation, and performance monitoring Business Partnership & Leadership * Advise executive leadership on credit risk exposure and strategic decisions * Partner with ...

Gauntlet

Credit Risk Analyst

New York, NY · On-site

This is not a seat where you inherit a model and press run. You will define the underwriting ... The role The Credit Risk team runs due diligence on the assets, protocols, and chains supported by ...

Aegis Corps

Risk Analyst

Washington, DC · On-site +1

Estimate and validate loan-level logistic regression and survival analysis models to analyze the credit risk associated with multifamily residential, nursing home, and hospital loans. * Develop ...

Regional Finance

Manager Credit Risk

Plano, TX · On-site

Mines, models, analyzes large datasets, and utilizes predictive modeling techniques with an emphasis on optimizing credit risk and marketing campaign performance using the following predictive ...

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All JobsCredit Risk Modeler Jobs

Credit RISK Modeler information

See salary details

$124.5K

$145.1K

$187.5K

How much do credit risk modeler jobs pay per year?

As of Jul 10, 2026, the average yearly pay for credit risk modeler in the United States is $145,100.00, according to ZipRecruiter salary data. Most workers in this role earn between $132,500.00 and $148,500.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Credit Risk Modeler, and why are they important?

To thrive as a Credit Risk Modeler, you need a solid background in quantitative finance, statistics, and data analysis, often supported by a degree in mathematics, finance, or a related field. Familiarity with programming languages such as Python, R, or SAS, as well as experience with risk modeling frameworks and regulatory requirements like Basel III, is typically required. Strong analytical thinking, attention to detail, and effective communication make a candidate stand out in this role. These skills are crucial for accurately predicting credit risk, ensuring regulatory compliance, and supporting informed decision-making in financial institutions.

How does a Credit Risk Modeler typically collaborate with other departments within a financial institution?

Credit Risk Modelers frequently work alongside data scientists, underwriters, compliance teams, and business analysts to develop and refine risk assessment models. Collaboration with IT teams is common for implementing models into production systems, while regular interaction with regulatory and compliance groups ensures models meet legal standards. Effective communication with stakeholders is essential to translate technical findings into actionable business strategies, making cross-functional teamwork a key part of the role.

What does a Credit Risk Modeler do?

A Credit Risk Modeler is responsible for developing statistical models and analytical tools to assess the likelihood that borrowers will default on their loans or credit obligations. They use data analysis, statistical techniques, and machine learning algorithms to predict credit risk and help financial institutions make informed lending decisions. Their work involves gathering and cleaning data, building predictive models, validating model performance, and ensuring compliance with regulatory standards. Credit Risk Modelers play a crucial role in managing a bank's or lender's exposure to financial risk and maintaining a healthy loan portfolio.

What is the difference between Credit Risk Modeler vs Credit Analyst?

AspectCredit Risk ModelerCredit Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; often certifications like FRM or CFABachelor's degree in finance, accounting, or related field; certifications like CFA are common
Work EnvironmentQuantitative teams, risk management departments, financial institutionsBank branches, lending departments, credit departments
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending companies, credit bureaus

The main difference is that Credit Risk Modelers develop statistical models to assess and predict credit risk, focusing on quantitative analysis. Credit Analysts evaluate individual creditworthiness of borrowers, primarily through financial statement analysis and credit reports. Both roles require financial knowledge, but Modelers are more data and model-focused, while Analysts are more client and credit evaluation-focused.

More about Credit RISK Modeler jobs
What cities are hiring for Credit Risk Modeler jobs? Cities with the most Credit Risk Modeler job openings:
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What job categories do people searching Credit Risk Modeler jobs look for? The top searched job categories for Credit Risk Modeler jobs are:
What are popular job titles related to Credit Risk Modeler jobs? For Credit Risk Modeler jobs, the most frequently searched job titles are:
Credit RISK Modeler jobs near you
Infographic showing various Credit Risk Modeler job openings in the United States as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $145,100 per year, or $69.8 per hour.

Credit Risk Manager

Made Card

New York, NY • On-site

$100K - $110K/yr

Full-time

Medical, Dental, Vision, PTO

Posted 18 days ago

Job description

About the Company
Made's mission is to help homeowners save time, money, and stress. It starts with Made Card - a credit card designed specifically for homeowners, with unmatched rewards on mortgage payments, home improvements, utilities, and essential purchases. Each swipe powers a personalized home management platform where users can manage home systems & appliances, stay ahead on upkeep, and get help - from AI-driven guidance to in-person services - exactly when they need it most. By bringing together financial tools, data, and trusted professionals, we give people more control, more savings, and more time to enjoy the place they call home.
We're partnered with leading national players in the residential homeownership space - from mortgage lenders to home services providers - embedding Made into the key moments of the homeowner journey. These partnerships let us reach millions of households across the country and deliver meaningful benefits to homeowners.
Backed by top investors like Village Global, Jump Capital, Recharge Capital, and Soma Capital, our leadership team brings deep fintech, mortgage, and credit card experience from Ramp, Bain Capital, JP Morgan Chase, American Express, and Morgan Stanley. We're building the financial and engagement platform for the next generation of homeowners - one that puts the homeowner at the center, and redefines what it means to feel at home.
About the Role
The Credit Risk Manager will play a critical role in shaping and leading Made Card's credit risk strategy across the customer lifecycle. You'll drive underwriting, pricing, segmentation, and decisioning for our credit card product while overseeing performance of the credit portfolio.
This role also owns the development and tracking of credit models and will lead Made Card's Decision Science practice.
What You'll Do
  • Underwriting & New Accounts: Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth. Deploy test and learn mechanisms. Have complete ownership of implementation of said strategies directly in the risk decision engine.
  • Credit Policy & Segmentation: Develop, refine, and monitor credit policies and customer segmentation strategies to enhance risk differentiation.
  • Pricing & Limits: Design pricing and credit limit frameworks to maximize risk-adjusted returns. Implement ongoing pricing and limit management strategies (penalty pricing, limit increases, reductions etc.)
  • Model Decisioning: Build, own, and continuously improve credit risk models, decision thresholds, and cutoffs.
  • Portfolio Performance: Develop and monitor KPIs, analyze trends, and deliver actionable insights to maintain portfolio quality and profitability.
  • Collections Strategy: Develop data-driven, customer-focused strategies that reduce delinquencies and charge-offs.
  • Risk operations: Conduct manual reviews (underwriting, limit increases etc.), document exceptions, handle credit bureau disputes, set up payment plans.
Ideal Background
  • 2+ years of experience in consumer lending or credit risk, with a proven track record in fintech environments.
  • Strong experience in at least one dimension of the credit lifecycle: underwriting, pricing, portfolio management, and collections
  • Hands-on experience with credit risk models and credit bureau data (traditional and alternative).
  • Strong technical acumen: pull data, analyze, create KPIs, create reporting tools (Python, SQL knowledge a plus)
  • Ability to synthesize complex data into clear strategies and communicate them to both technical and non-technical stakeholders.

We understand that not everyone comes from a traditional background. If you are a rockstar with a non-traditional path, we'd love to talk to you!
Nice to Have
  • Experience in fintech, credit cards, real estate, or home services.
  • Familiarity with compliance-heavy or regulated marketing environments.
  • Passion for credit cards, rewards, or homeownership-related products.

Benefits
  • Base Compensation Band: $100,000-$110,000 (determined by experience, qualifications, and location)
  • Compensation: Competitive salary with a meaningful stake in the company via equity
  • Health & Well-being: We'll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits
  • Grow Together: Company-wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback
  • Mortgage Benefit: Receive up to $25,000 toward closing costs of a new mortgage via our mortgage partners
  • Play Together: Quarterly budgets for team and company outings. Use it for team swag, cooking classes, or team dinners!
  • Generous Time Off: Flexible paid time off, sick days, and 11 company holidays

Throughout the interview process, please remember that emails will only be from madecard.com emails. We won't ever be asking for any personally identifiable information during the interview process itself. Please reach out to talent@madecard.com if you have any requests to verify the authenticity of an outreach.
Made Card is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Made Card makes hiring decisions based solely on qualifications, merit, and business needs at the time.

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