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Credit Risk Data Science Jobs in Alabama (NOW HIRING)

Hope Enterprise Corporation

HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial ... Senior Vice President, Decision Science and Insights * Supervises: Data Engineer(s) * Job ...

Bupa Corporate

$59.50 - $76.50/hr

Manage risk and ensure compliance, building clear policies and processes to strengthen data quality and integrity. * Improve visibility of enterprise data for reporting, analytics and data science by ...

Bupa Corporate

$59.50 - $76.50/hr

Manage risk and ensure compliance, building clear policies and processes to strengthen data quality and integrity. * Improve visibility of enterprise data for reporting, analytics and data science by ...

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Credit Risk Data Science information

How does a Credit Risk Data Scientist typically collaborate with other teams within a financial institution?

Credit Risk Data Scientists often work closely with credit analysts, risk managers, and IT professionals to develop, validate, and implement models that assess borrower risk. They frequently participate in cross-functional meetings to translate complex analytical findings into actionable business insights. Collaboration with compliance and regulatory teams is also common to ensure that risk models meet current regulatory standards. Effective communication and teamwork are essential, as the role bridges technical model development and practical risk management decisions.

What is Credit Risk Data Science?

Credit Risk Data Science is a specialized field that uses statistical analysis, machine learning, and data modeling techniques to assess and predict the likelihood that a borrower will default on a loan or credit obligation. Professionals in this field analyze large datasets from financial transactions, credit reports, and market trends to develop models that help financial institutions make informed lending decisions. Their work helps manage risk, set appropriate interest rates, and comply with regulatory standards. By leveraging advanced analytics, credit risk data scientists play a crucial role in minimizing losses and maximizing profitability for banks and lenders.

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

To thrive as a Credit Risk Data Scientist, you need strong analytical skills, proficiency in statistical modeling, and a solid background in finance, mathematics, or a related field, often supported by an advanced degree. Familiarity with programming languages like Python or R, experience with machine learning frameworks, and knowledge of credit risk modeling tools such as SAS or SQL are typically required. Critical thinking, attention to detail, and effective communication are vital soft skills for interpreting data and collaborating with stakeholders. These abilities are crucial for building accurate risk models, informing strategic decisions, and ensuring regulatory compliance in financial institutions.
What are popular job titles related to Credit Risk Data Science jobs in Alabama? For Credit Risk Data Science jobs in Alabama, the most frequently searched job titles are:
What job categories do people searching Credit Risk Data Science jobs in Alabama look for? The top searched job categories for Credit Risk Data Science jobs in Alabama are:
What cities in Alabama are hiring for Credit Risk Data Science jobs? Cities in Alabama with the most Credit Risk Data Science job openings:
Credit Risk Data Science jobs near you
Infographic showing various Credit Risk Data Science job openings in Alabama as of May 2026, with employment types broken down into 87% Full Time, 11% Part Time, 1% Temporary, and 1% Contract. Highlights an 74% Physical, 3% Hybrid, and 23% Remote job distribution.
Private Credit Analyst - Portfolio Management

Private Credit Analyst - Portfolio Management

Protective

Birmingham, AL • On-site

$66K - $80K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 17 days ago

Protective Life rating

9.1

Company rating: 9.1 out of 10

Based on 13 frontline employees who took The Breakroom Quiz

24th of 260 rated insurance

Job description

The work we do has an impact on millions of lives, and you can be a part of it.
We help protect our customers against life's uncertainties. Regardless of where you work within the company, you'll be helping provide protection and peace of mind when our customers need it most.

The Private Credit Analyst supports the underwriting and ongoing monitoring of privately negotiated credit investments across Protective's private investment strategies. The role assists senior analysts and portfolio managers in executing a disciplined investment evaluation and portfolio management process, while building core analytical and modeling capabilities.
This position offers exposure to private credit underwriting, portfolio analytics, and investment research within Protective's investment organization.
Key Responsibilities
  • Assist in analyzing credit risk through financial, business, and industry research on borrowers, portfolio companies, and managers
  • Support preparation of written and verbal credit opinions and investment materials
  • Contribute to relative value analysis across capital structures and transaction terms
  • Build and maintain Excelbased financial models, including cash flow, scenario, and sensitivity analysis
  • Monitor portfolio performance, manager results, and relevant market developments
  • Apply firm tools and analytics to support downside risk evaluation
  • Communicate findings to senior team members and investment partners
  • Develop foundational relationships with internal stakeholders and external counterparties
Core Competencies
  • Credit & Financial Analysis
    • Foundational understanding of financial statement analysis, credit metrics, and capital structures
    • Ability to evaluate company fundamentals, transaction terms, and downside risk
  • Financial Modeling & Analytics
    • Proficiency in Excelbased financial and cash flow modeling
    • Experience performing scenario and sensitivity analysis
    • Strong Excel skills, including formulas, lookups, and data organization
  • Investment Research & Portfolio Support
    • Ability to conduct financial, business, and industry research on borrowers, portfolio companies, and managers
    • Support portfolio monitoring, performance analysis, and market trend assessment
    • Assist in preparing investment materials, credit opinions, and internal reports
  • Communication & Collaboration
    • Clear written and verbal communication skills
    • Comfortable participating in meetings and engaging with internal stakeholders and external counterparties
    • Ability to synthesize complex financial information and communicate key insights
  • Professional Effectiveness
    • Strong analytical thinking, attention to detail, and sound judgment
    • Ability to manage multiple priorities in a teamoriented environment
    • Proactive mindset with willingness to learn, take feedback, and work independently when needed
  • Tools & Systems (Preferred)
    • Experience with Bloomberg Terminal or similar financial data platforms
    • Familiarity with investment analytics tools and reporting processes
Minimum Qualifications:
  • Bachelor's degree in Finance, Accounting, Economics, or related field
  • 2 years of relevant, cumulative experience (credit analysis, investment banking, asset management, accounting)
  • Proficiency in Microsoft Excel and financial modeling
Preferred Qualifications
  • Bloomberg Terminal experience
  • Prior exposure to private credit or leveraged finance
  • Demonstrated interest in investment management
$66,000 - $80,000 a year
Protective's targeted salary range for this position is $66,000-$80,000. Actual salaries may vary depending on factors, including but not limited to, job location, skills, and experience. The range listed is just one component of Protective's total compensation package for employees. 
 
 
#LI-AP1 #ind123

Employee Benefits:  
We aim to protect the wellbeing of our employees and their families with a broad benefits offering. In addition to offering comprehensive health, dental and vision insurance, we support emotional wellbeing through mental health benefits and an employee assistance program. Work/life balance is important and Protective offers a variety of paid time away benefits (e.g., paid time off, paid parental leave, short-term disability, and a cultural observance day). The financial health of our employees is just as important as physical and emotional health.  Some of the financial wellbeing benefits include contributions to healthcare accounts, a pension plan, and a 401(k) plan with Company matching. All employees are encouraged to protect their overall wellbeing by engaging in ProHealth Rewards, Protective's platform to improve wellbeing while earning cash rewards.   

Eligibility for certain benefits may vary by position in accordance with the terms of the Company's benefit plans.

Accommodations for Applicants with a Disability:
If you require an accommodation to complete the application and recruitment process due to a disability, please email [email protected]. This information will be held in confidence and used only to determine an appropriate accommodation for the application and recruitment process.

Please note that the above email is solely for individuals with disabilities requesting an accommodation.  General employment questions should not be sent through this process.

We are proud to be an equal opportunity employer committed to being inclusive and attracting, retaining, and growing an inclusive workforce.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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