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Credit Risk Analytics Jobs (NOW HIRING)

IDBNY

Credit Risk Analytics & Modeling

Manhattan, NY · On-site

Head of Credit Risk Analytics & Modeling Visa Sponsorship: Not available About IDB Bank For more than 70 years, IDB Bank has been committed to delivering exceptional service and building long-term ...

Carmax

Director, Credit Risk & Analytics

Kennesaw, GA · On-site

$148K - $237K/yr

Director, Credit Risk & Analytics About this job As the captive lender behind the nation's largest used-car retailer, CarMax Auto Finance (CAF) is the leader in making car financing simpler, fairer ...

Carmax

Director, Credit Risk & Analytics

Atlanta, GA · On-site

Director, Credit Risk & Analytics About this job As the captive lender behind the nation's largest used-car retailer, CarMax Auto Finance (CAF) is the leader in making car financing simpler, fairer ...

Calpine

Credit Risk Analyst

San Diego, CA · On-site

$70K - $88K/yr

... risk analytics and systems. Provides support to the company's sales efforts by performing timely credit risk analysis on potential and existing counterparties. While understanding margining and ...

IntelliPro Group Inc.

Credit Risk Analyst

Plano, TX · On-site

$37 - $51/hr

This role is responsible for producing insightful reports, dashboards, and analytics that support credit risk monitoring, strategy evaluation, and regulatory compliance. * The ideal candidate will ...

IntelliPro Group Inc.

Credit Risk Analyst

Plano, TX · On-site

This role is responsible for producing insightful reports, dashboards, and analytics that support credit risk monitoring, strategy evaluation, and regulatory compliance. * The ideal candidate will ...

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Credit Risk Analytics information

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$35K

$131.9K

$175.5K

How much do credit risk analytics jobs pay per year?

As of Aug 31, 2026, the average yearly pay for credit risk analytics in the United States is $131,886.00, according to ZipRecruiter salary data. Most workers in this role earn between $111,500.00 and $160,000.00 per year, depending on experience, location, and employer.

What is credit risk analytics?

Credit Risk Analytics is the process of using data analysis, statistical models, and machine learning techniques to assess and predict the likelihood that a borrower or counterparty will default on their financial obligations. Professionals in this field analyze credit data, financial statements, and market trends to help financial institutions make informed lending decisions and manage their risk exposure. Effective credit risk analytics helps institutions minimize losses, set appropriate loan terms, and comply with regulatory requirements.

What are the key skills and qualifications needed to thrive as a credit risk analytics professional, and why are they important?

A Credit Risk Analytics professional needs strong quantitative analysis skills, a solid understanding of financial principles, and typically a degree in finance, mathematics, economics, or a related field. Proficiency in statistical software (such as SAS, R, or Python), risk modeling tools, and knowledge of regulatory frameworks like Basel III are crucial. Excellent problem-solving abilities, attention to detail, and effective communication skills help them interpret data and explain findings to stakeholders. These skills ensure accurate risk assessment, regulatory compliance, and informed lending decisions that protect an organization's financial health.

What are some common challenges faced in a credit risk analytics role, and how can they be addressed?

Professionals in Credit Risk Analytics often encounter challenges such as managing large volumes of complex data, staying current with regulatory changes, and ensuring the accuracy of risk models. To address these, it is important to develop strong technical skills in data analysis tools, collaborate closely with compliance teams, and regularly validate and update risk models. Additionally, effective communication with stakeholders helps ensure that analytical insights are clearly understood and actionable within the organization.

What is the difference between Credit Risk Analytics vs Credit Risk Management?

AspectCredit Risk AnalyticsCredit Risk Management
Primary FocusAnalyzing data to assess credit risk and develop modelsOverseeing and implementing strategies to manage credit risk
Skills & CertificationsData analysis, statistical modeling, certifications like CFA or FRMRisk policies, decision-making, leadership skills
Work EnvironmentQuantitative teams, data-driven departmentsCredit departments, risk committees
Industry UsageUsed across banks, financial institutions, credit agenciesUsed in risk departments for strategy and policy

While Credit Risk Analytics focuses on data analysis and model development to quantify credit risk, Credit Risk Management involves overseeing these risks through policies and strategic decisions. Both roles are essential and often collaborate within financial institutions.

What do you do as a Credit Risk Analytics?

A Credit Risk Analyst evaluates the creditworthiness of individuals or businesses by analyzing financial data, credit reports, and market conditions to assess the likelihood of default. They develop models and use statistical tools to predict risk levels, supporting lending decisions and risk management strategies. Proficiency in data analysis, financial modeling, and tools like Excel or specialized software is essential for this role.

What does a credit risk analyst make?

A credit risk analyst typically earns a salary ranging from $60,000 to $100,000 annually, depending on experience, location, and industry. They analyze financial data, assess creditworthiness, and use tools like statistical models and credit scoring systems to evaluate risk for lending decisions.
More about Credit Risk Analytics jobs

What are the most commonly searched types of Credit Risk Analytics jobs?

The most popular types of Credit Risk Analytics jobs are:

What states have the most Credit Risk Analytics jobs?

States with the most job openings for Credit Risk Analytics jobs include:

Credit Risk Analytics jobs near you
Infographic showing various Credit Risk Analytics job openings in the United States as of August 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $131,886 per year, or $63.4 per hour.

Credit Risk Analytics Analyst

Miami Lakes, FL • On-site

BankUnited
Commercial Banking • 1 - 5K employees

8.0

Company rating: 8.0 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

71st of 173 rated banks

Good employer

Respectful managers

Uninterrupted breaks

Learn more about BankUnitedexternal

Full-time

Posted 9 days ago

Job description

Hybrid opportunity in Miami Lakes, FL.
SUMMARY: Reporting to the Manager, Enterprise Risk Analytics, the Credit Risk Analytics Analyst is part of the Enterprise Risk Analytics team, a dynamic team of talented professionals whose task is to produce valuable recurring risk reporting and analytics as well as advance the modeling framework to identify and manage financial risk. The Credit Risk Analytics Analyst uses a combination of quantitative, modeling, communication, and technical reporting skills to further advance the various risk analytics initiatives and add value to the organization by enhancing our credit risk modeling, monitoring, and reporting capabilities.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.
  • Ownership of third-party vendor credit loss models for CRE and C&I. This includes periodic analytical review of model performance and updates, as well as, maintaining internal model documentation consistent with internal and regulatory expectations.
  • Become a leading expert in the Moody's CMM, RiskCalc, MPA, and ZMDesk, and models. This includes periodic review of model performance and updates, as well as, developing a deep knowledge on how the models work.
  • Advance and refine our use of Moody's CMM, RiskCalc, MPA, and ZMDesk models. This includes using Moody's models and leveraging external and internal data to drive improvements in credit risk accuracy and utilizing the outputs to further stress testing, credit risk attribution, credit VaR, sensitivity analysis, and risk decomposition initiatives.
  • Be a leading contributor to the quarterly and annual end-to-end stress testing exercises. Conduct ad-hoc analysis as required. Develop potential stress scenarios that are meaningful to management.
  • Contribute to the integration of risk results into capital planning, budgeting, and risk appetite frameworks.
  • Periodic reporting on financial risks. This includes report generation in a wide variety of formats including but not limited to Tableau dashboards, Microsoft Excel report, PowerPoint presentations and Microsoft Word reports, on a periodic as well as ad-hoc basis.
  • Drive the automation of modeling routines as well as report and dashboard generation in a manner that drives consistency, accuracy and repeatability in credit risk reporting.
  • Contribute to the design and implementation of risk reporting across a variety of media.
  • Work closely with the data and technology teams to improve the data infrastructure needed to support the above initiatives.
  • Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
  • Adheres to Bank policies and procedures and completes required training.
  • Identifies and reports suspicious activity.

EDUCATION
Degree in a quantitative discipline (eg Statistics, Finance, Mathematics, Engineering, Economics) required Advanced degree in a quantitative discipline (PhD or MSc in a STEM discipline or Economics/Finance) preferred.
EXPERIENCE
  • 2+ years' experience in financial services (banking, asset management, insurance, etc) with significant direct exposure to analytics and modeling applied to credit risk and/or market risk.
  • Experience with programming languages, particularly Python.
  • Experience utilizing and merging data from a variety of databases.
  • Experience with a wide assortment of financial modeling techniques, including but not limited to: credit losses, loss migration, interest rates, volatility, derivatives, VaR, prepayments, capital, forecast techniques, stress testing, scenario analysis, sensitivity analysis, RAROC, liquidity, FTP.
  • Prior experience in credit risk reporting.
  • Prior experience working with databases.
  • Prior experience automating tasks.

CERTIFICATES, LICENSES, REGISTRATIONS
  • CFA, PRM, FRM a plus.

KNOWLEDGE, SKILLS AND ABILITIES
  • Deep understanding of credit risk models (PD, LGD, Credit VaR, etc). This Manager should be able to use this understanding to provide expert insight into the credit risk results they report and enhance the modeling capabilities of the team.
  • Excellent communication skills (visual, verbal, and written) with the ability to articulate complex concepts into a format digestible by a diverse audience.
  • Proficiency in generating reports using Tableau.
  • Proficiency with general quantitative modeling techniques (regression, simulation, optimization).
  • Strong interpersonal skills to aid in working with different divisions within the company.
  • Ability to work under pressure, meet deadlines, manage competing initiatives and adapt to an ever changing work pace with a focus on accuracy and attention to detail.
  • Knowledge of latest modeling developments / trends.

ADDITIONAL INFORMATION
  • Candidates residing in locations within BankUnited's footprint may be given preference.

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