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Credit Risk Data Science Jobs in Texas (NOW HIRING)

BofA Securities

Credit Risk Manager

Plano, TX · On-site

... data and sound risk judgment * Executive level written and verbal communication skills, with the ... Credit and Risk Assessment * Critical Thinking * Risk Analytics * Risk Management * Strategic ...

Talen Energy

Credit Risk Manager

Houston, TX

Credit Risk Manager Houston TX | Credit At Talen Energy This is a senior-level energy credit risk ... Maintain and govern credit terms, limits, and related data within the company's ETRM system ...

Talen Energy

Credit Risk Manager

Houston, TX

Credit Risk Manager Houston TX | Credit At Talen Energy This is a senior-level energy credit risk ... Maintain and govern credit terms, limits, and related data within the company's ETRM system ...

Talen Energy

Credit Risk Manager

Houston, TX · On-site

Credit Risk Manager Houston TX | Credit At Talen Energy This is a senior-level energy credit risk ... Maintain and govern credit terms, limits, and related data within the company's ETRM system ...

Citigroup, Inc.

Credit Risk Group Manager

Irving, TX · On-site

$188K/yr

Analyze credit data and financial statements to determine the degree of risk involved in extending credit and preparing reports with credit information for use in decision-making. Apply credit risk ...

Citi

Credit Risk Group Manager

Irving, TX · Hybrid

$188K/yr

Analyze credit data and financial statements to determine the degree of risk involved in extending credit and preparing reports with credit information for use in decision-making Apply credit risk ...

Regional Finance

Manager Credit Risk

Plano, TX · On-site

This positions will utilize advance skills to analyze data, portfolio level performance trends, custom scorecard analysis, and forecasting skills to support credit risk functions. Duties 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 Texas?

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

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

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

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

Cities in Texas 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 Texas as of September 2026, with employment types broken down into 76% Full Time, and 24% Part Time. Highlights an 80% In-person, and 20% Hybrid job distribution.

Risk Management - Global Commodities Credit Officer - Vice President

Houston, TX • On-site

JPMorgan Chase & Co.
Finance and Insurance • 10K+ employees
Learn more about JPMorgan Chase & Co.external

$123K - $230K/yr

Full-time

Medical, Retirement

Re-posted 19 hours ago

JPMorgan Chase & Co. rating

7.9

Company rating: 7.9 out of 10

Based on 500 frontline employees who took The Breakroom Quiz

Job description


Bring your Expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.
As a Global Commodities Credit Risk - Vice President within the Commercial & Investment Bank, you specialize in product-specific credit risks and help protect the firm across a dynamic global portfolio. You assess the risk of structured commodities products and transactions, negotiate related documentation, and partner with credit officers across all lines of business and industries to provide input on product structure, documentation, limit management, and market convention. You contribute to new business initiatives, lead periodic portfolio risk reviews, and analyze commodity market and credit risk data at both the client and portfolio level to deliver actionable insights that support senior management decision-making. You also help develop junior talent to strengthen the performance of the broader team.
Job Responsibilities
  • Leads credit risk due diligence on new commodity transactions and counterparties, with particular focus on structured or physical commodities transactions, and performs industry, business, and financial analysis to assess creditworthiness and recommend appropriate credit exposure and structure
  • Applies strong analytical, modeling, and problem-solving skills to understand risks and exposures
  • Negotiates credit terms in master trading agreements and structured transactions, including lien-based structures and other commodity financing structures
  • Assists other credit officers with credit due diligence, structuring, and document negotiation by sharing product risk expertise
  • Supports the Global Commodities Group on ad hoc projects related to new business initiatives, change management, policy, procedure, product control, regulatory relations, and business management
  • Prepares and presents periodic commodities risk reviews to senior management, detailing exposure metrics across the global commodities portfolio and analyzing key trends, drivers, and concentrations
  • Performs ongoing customer due diligence and financial analysis for a portfolio of commodity-only counterparties, including preparation of credit approval memos and customer reviews, management of exposure excesses, and maintenance of accurate, current credit ratings
  • Identifies deteriorating credits early and proactively manages problem situations
  • Provides oversight and guidance on the work of junior team members to ensure the quality of various credit processes
  • Maintains active working relationships with structuring, sales, trading, and origination teams and supports their continuing education on credit risk management, systems, and procedures
  • Partners with bank examiners and internal credit reviewers to validate credit quality and the integrity of the credit process

Required Qualifications, Capabilities, and Skills
  • Bachelor's degree
  • 6+ years of professional work experience in credit/ counterparty risks, commodities, and/or derivative products
  • Strong credit analysis and financial modeling skills
  • Experience working with and negotiating master trading agreements typical of the energy trading industry, including the International Swaps & Derivative Association (ISDA), North American Energy Standards Board (NAESB), and European Federation of Energy Traders (EFET), now Energy Trader Europe, agreements
  • Exceptional analytical aptitude and ability to think abstractly and project various "what-if" scenarios
  • Strong data analysis and presentation skills
  • Strong organizational skills, attention to detail, and an excellent work ethic
  • Ability to perform well under pressure in a demanding environment while managing multiple tasks simultaneously
  • Ability to work independently and collaboratively within a team environment
  • Proficiency in Microsoft Office Suite, especially Excel, PowerPoint, and Word

Preferred Qualifications, Capabilities, and Skills
  • Understanding of or experience in covering a variety of energy and commodity trading companies
  • Experience in data analysis and visualization using programming languages such as Python
  • Completion of a commercial/investment bank credit training program or equivalent experience, with a thorough understanding of bank credit policies and procedures
  • Understanding of front office processes and the ability to balance credit risk management with commercial requirements

About Us
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
About the Team
J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.

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