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Credit Risk Data Science Jobs in Kentucky (NOW HIRING)

OneSix - External

Lead Data Scientist

Canada, KY · On-site +1

$160K - $200K/yr

Its team of skilled Data Engineers, Data Scientists, Machine Learning (ML) Experts, and AI ... risk, and keep a client confident * You have a strong suit in at least one area: predictive ...

Lockheed Martin

Data Analyst Senior

Lexington, KY · On-site

$81K - $103K/yr

They apply mathematical and statistical methods to business and risk management problems. Mine ... Science, Information Systems, Data Science, Business Analytics, or a related field (Master ...

Deloitte

Cyber Data Protection Manager

Louisville, KY · Remote

$106K - $144K/yr

If so, consider joining Deloitte & Touche LLP's growing Cyber Risk Digital Trust & Privacy practice ... Bachelor's degree in Cybersecurity, Information Security, Engineering, Computer Science ...

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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 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.
What are popular job titles related to Credit Risk Data Science jobs in Kentucky? For Credit Risk Data Science jobs in Kentucky, the most frequently searched job titles are:
What job categories do people searching Credit Risk Data Science jobs in Kentucky look for? The top searched job categories for Credit Risk Data Science jobs in Kentucky are:
What cities in Kentucky are hiring for Credit Risk Data Science jobs? Cities in Kentucky 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 Kentucky as of August 2026, with employment types broken down into 1% As Needed, 82% Full Time, 13% Part Time, and 4% Contract. Highlights an 87% Physical, 3% Hybrid, and 10% Remote job distribution.

Credit Associate

Farm Credit Mid-America

Louisville, KY

$49K - $100K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 7 days ago

Job description

Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Arkansas, Indiana, Kentucky, Missouri, Ohio, and Tennessee. Our purpose is to secure the future of rural communities and agriculture. We are passionate about serving the needs of our rural communities and creating positive customer experiences.

Farm Credit Mid-America is a great place to work! We have been named as a Best Places to Work in Kentucky for the past 13 years. At Farm Credit Mid-America we put our customers and team members at the heart of all we do.  

Schedule:  Full Time, Hybrid 
Travel Required:  0% - 10% 


Compensation: The salary range for this position is estimated to be $49,208.00 – $100,487.00 annualized, which reflects the company’s current estimate of the potential compensation range at the time of posting. This salary range reflects the anticipated compensation for this position and represents one component of the total rewards package. Final compensation will be determined based on factors such as experience, skills, education, qualifications, and allotted budget. The organization offers a comprehensive benefits program as part of its overall compensation strategy, and salary ranges are reviewed periodically to remain aligned with market conditions.

Benefits At A Glance

Eligible team members have access to a comprehensive benefits package that includes:

  • Medical, dental, and vision insurance 
  • Well-being and fitness reimbursement programs 
  • Paid vacation, sick leave, and holidays 
  • 401(k) plan with company contributions and matching opportunities 
  • Paid parental leave
  • Short-term and long-term disability coverage 
  • Tuition reimbursement and professional development programs 
  • Community involvement and volunteer opportunities 
  • Variable compensation opportunities for eligible positions
About Our Opportunity

The Credit Associate, known internally as Credit Analyst, serves the Association's internal and external customers by preparing and analyzing financial loan packages for system and manual underwriting decisions in a timely manner that meets or exceeds customer expectations. Credit Analysts construct value-added credit analyses for all levels and types of operations.

This role builds foundational knowledge and skills to contribute to core work within the team. Team members at this level focus on learning processes, applying guidance from more experienced colleagues, and delivering accurate work in a supportive, structured environment.  They are developing confidence, strengthening capability, and gaining familiarity with our systems, relationships, and expectations.

How You Will Spend Your Time
  • Develops comprehensive financial analyses by assembling and validating balance sheets, income statements, tax returns, cash flow statements, and related data to accurately represent customers’ financial positions.
  • Partners cross‑functionally with sales, credit, and relationship teams to understand customer financials and operational changes, support effective customer communication, and ensure analyses reflect current conditions and risks.
  • Analyzes loan servicing requests across varying levels of risk and complexity, including larger or higher‑risk relationships, while providing financial analysis support to Credit Officers and other internal teams.
  • Applies critical thinking and independent judgment to evaluate financial trends, incorporate projections, adjust analyses for complex or multi‑entity borrowers, grant justified process exceptions, and, in some instances, recommend or approve loans within delegated authority.
  • Builds and applies subject‑matter expertise in agriculture, finance, credit, technology, and industry trends to strengthen credit decisions, risk assessment, and overall portfolio performance.
  • Completes assigned tasks accurately by following established processes, guidance, and quality standards. 
  • Applies direction and from more experienced team members to build skill, confidence, and reliability. 
  • Maintains organized, complete, and dependable work products that support team workflow. 
  • Asks questions to clarify expectations and deepen understanding of systems, processes, and procedures. 
  • Contributes to team goals through collaboration, communication, and consistent follow-through.
  • Identifies opportunities to strengthen personal work habits, accuracy, and efficiency as skills develop. 
Education & Experience
  • High School Diploma/GED with 3 years relevant experience.
  • Bachelor's Degree preferred.
Mental & Physical Requirements

While engaged in this position, team members will routinely sit, use hands for tasks, and communicate orally. Standing or walking is frequently required, while occasional demands include reaching with hands and arms, and lifting or moving up to ten pounds. Vision requirements encompass close and distance vision. The work environment typically has a moderate noise level. This role may entail a blend of mental and physical capabilities, requiring strong mental acuity, problem-solving skills, and occasional physical tasks such as standing, lifting, or extended computer usage. Some roles may require physical or mental requirements related to driving, such as a valid driver's license, and the ability to drive a long-distance. Reasonable accommodations will be considered for individuals as requested.

Farm Credit Mid-America provides a competitive total rewards package to our team members. This includes an award winning 401(k) Plan. Our Health and Financial wellness benefits provide safety, security and peace of mind for you and your family.  Here is a highlight of our Total Rewards and Benefits.

Farm Credit Mid-America is an equal opportunity employer, and all applicants will receive consideration for employments without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, or any other category protected by law.

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