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Credit Risk Data Science Jobs in California (NOW HIRING)

Calpine

Credit Risk Analyst

San Diego, CA · On-site

$70K - $88K/yr

Performs detailed credit risk analysis, including analysis of financial data and ratios, to qualify new and existing counterparties that meet established timelines and support ongoing sales ...

Brigit

Director of Data Science

San Francisco, CA · On-site

$225K - $250K/yr

Experience applying predictive modeling to credit risk assessment, churn prediction, loss and ... data science productivity, quality, and business impact. The anticipated annual base salary for ...

Found

Senior Data Scientist (Risk)

San Francisco, CA · On-site

$163 - $225/hr

... credit, fraud, and compliance risks. * Develop and Implement Risk Controls: Partner with product, engineering and data science teams to design, build, and deploy automated risk controls and ...

SoFi

Credit Strategy Manager

San Francisco, CA

... and risk and operational data science and analytics. The team designs data-driven strategies to ... The Credit Strategy Lead will work in the Credit team and have responsibilities to analyze and ...

Intuit

Manager 2, AI Science

Mountain View, CA · On-site

... data - to build proprietary risk attributes and models. * Own credit risk AI science for the consumer lending and fast-money portfolio - including first-generation and next-generation credit risk ...

Intuit Inc.

Manager 2, AI Science

Mountain View, CA · On-site

$238 - $322/hr

... Intuit tax data -- to build proprietary risk attributes and models. * Own credit risk AI science for the consumer lending and fast-money portfolio -- including first‑generation and ...

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Credit Risk Data Science information

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 skills and qualifications are needed to thrive as a credit risk data scientist?

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.

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 are popular job titles related to Credit Risk Data Science jobs in California?

For Credit Risk Data Science jobs in California, the most frequently searched job titles are:

What job categories do people searching Credit Risk Data Science jobs in California look for?

The top searched job categories for Credit Risk Data Science jobs in California are:

What cities in California are hiring for Credit Risk Data Science jobs?

Cities in California 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 California as of August 2026, with employment types broken down into 1% As Needed, 88% Full Time, 9% Part Time, and 2% Contract. Highlights an 85% Physical, 4% Hybrid, and 11% Remote job distribution.

Credit Risk Analyst

Calpine

San Diego, CA • On-site

$70K - $88K/yr

Full-time

Re-posted 23 days ago

Calpine rating

8.7

Company rating: 8.7 out of 10

Based on 10 frontline employees who took The Breakroom Quiz

Job description

Calpine, a business unit of Constellation Energy Corporation (Nasdaq: CEG), is America's largest generator of electricity from natural gas and geothermal resources with operations in competitive power markets. With 79 energy facilities in operation, Calpine's fleet has the capacity to generate approximately 27,000 MW of electricity - enough to power approximately 27 million homes. Through wholesale power operations and its retail businesses, Calpine serves customers in 22 states and Canada. Its clean, efficient, modern and flexible fleet uses advanced technologies to generate power in a low-carbon and environmentally responsible manner.
The company was established on the premise that a strong commitment to the environment is inextricably linked to excellence in power generation and corporate responsibility. Since its founding in 1984, Calpine has led the power industry in its unwavering commitment to environmental stewardship. In addition, its renewable geothermal plants use steam generated deep below the earth's surface to produce clean, renewable electricity.
Job Summary (includes but is not limited to the following, other duties may be assigned)
Independently manages an assigned counterparty portfolio by interfacing with all levels of sales and management, to ensure the protection of the company's mark to market exposure (MTM) and accounts receivable assets through the effective use of credit 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 collateral structures for large clients. At all times exercises discretion and independent judgement in assigned areas of responsibility.
Key activities:
  • Perform credit risk analysis
  • Develop risk mitigating products

Job Responsibilities:
Credit Risk Analysis 65%
  • Performs detailed credit risk analysis, including analysis of financial data and ratios, to qualify new and existing counterparties that meet established timelines and support ongoing sales negotiations
  • Utilizes outside vendors (Standard & Poors, Moody's, Dun & Bradstreet, etc.) to thoroughly research and obtain salient industry and counterparty data for credit risk evaluation
  • Perform annual reviews of financial and credit data for assigned account portfolio. Calculates and assigns credit risk ratings based upon the output of proprietary scoring models
  • Initiates modifications of credit limits to existing customers to support increased business opportunities or to project the company from undo losses
  • Assess, calculate, and monitor collateral and margin requirements for retail customers, including cash margin, letters of credit, parental guarantees, and other credit support instruments

Reporting & Special Projects 25%
  • Generates an array of accurate monthly, quarterly and annual management reports
  • Establishes and maintains counterparty data in Allegro system
  • Supports the Director, Credit Risk as required by performing special projects, ad hoc reporting, routine requests, etc.

Collections 10%
  • Authorized to work autonomously in day-to-day decision making to effectively collect payments from customers in accordance with contractual terms
  • Empowered to negotiate terms of sale and payment plans as necessary
  • Interfaces with all levels of sales, senior management and other internal departments to expedite the resolution of disputes and thus ensure the protection of the company's settlement risk through the effective use of systems and proven collection practices
  • Integral in the ongoing reconciliation of customer accounts
  • Develops and maintains effective working relationships with internal and external customers to maximize cooperation and efficiency

Job Requirements:
  • Bachelor's Degree in finance, accounting or equivalent experience
  • Minimum of two (2) years in commercial or wholesale credit
  • Demonstrated organization, analytical and problem-solving skills are required
  • Highly skilled in complex financial analysis as it relates to evaluating creditworthiness
  • Is able to identify and prioritize various tasks to efficiently produce results
  • Strong verbal, written and interpersonal communication skills are essential
  • Energy industry or banking experience is preferred
  • Experienced with receivable management systems and is proficient in Microsoft Excel and Word

Salary Information:
Salary Range: $70,304 to $88,448
Additional Calpine Information:
  • Equal Opportunity Employer of Minorities, Females, Protected Veterans, and Individuals with Disabilities.
  • Calpine is committed to Equal Employment Opportunity and providing reasonable accommodations to applicants with physical and/or mental disabilities. If you are interested in applying for employment and need special assistance or an accommodation to use our website or to apply for a position, please send an e-mail with your request to hrrecruitment@calpine.com. Determination on requests for reasonable accommodation are made on case-by-case basis.
    Please view Equal Employment Opportunity Posters provided by OFCCP here

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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