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Credit Risk Data Science Jobs in Utah (NOW HIRING)

Medallion Bank

Credit Risk Manager

Salt Lake City, UT · Hybrid

Reports to and worksclosely with the VP, Senior Credit Officer to deliver actionable data insights, credit policy analysis, and portfolio reporting that drive sound credit decisions and inform risk ...

Medallion Bank

Credit Risk Manager

Salt Lake City, UT · On-site

Reports to and works closely with the VP, Senior Credit Officer to deliver actionable data insights, credit policy analysis, and portfolio reporting that drive sound credit decisions and inform risk ...

Clicklease

Data Scientist Manager

West Valley City, UT · On-site

Translate business questions from Credit Risk, Collections, Finance, Operations, and Sales into ... Represent the Data Science function in executive and cross-functional forums, translating technical ...

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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.

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 popular job titles related to Credit Risk Data Science jobs in Utah? For Credit Risk Data Science jobs in Utah, the most frequently searched job titles are:
What job categories do people searching Credit Risk Data Science jobs in Utah look for? The top searched job categories for Credit Risk Data Science jobs in Utah are:
What cities in Utah are hiring for Credit Risk Data Science jobs? Cities in Utah with the most Credit Risk Data Science job openings:
Credit Risk Data Science jobs near you
Credit Risk Manager

Credit Risk Manager

Medallion Bank

Salt Lake City, UT • Hybrid

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 10 days ago

Job description

Please Note:This is a Utah-based hybrid position, which will require some regular in-office days each week. Additionally, employment with Medallion Bank is contingent on passing both a background check and maintaining a clean background.


Who we are:

At Medallion Bank we finance fun! We are an industrial loan bank that specializes in providing consumer loans for the purchase of recreational vehicles, boats, home improvement, and offering loan origination services to fintech partners. We work directly with thousands of dealers, contractors and financial service providers serving their customers throughout the United States. Medallion Bank is a small company with a big impact. We recognize our employees as our greatest asset and have a culture to prove it!


How you will support the team:

Analytical professional responsible for supporting credit risk management across Medallion Bank's Recreation Lending andHome ImprovementInstallment portfolios.Reports to and worksclosely with the VP, Senior Credit Officer to deliver actionable data insights, credit policy analysis, and portfolio reporting that drive sound credit decisions and inform risk strategy.


What you will do:

  • Design, build, and maintain KPI/KRI dashboards tracking portfolio health metrics including approval rates, delinquency, loss rates,utilization, and vintage performance across Recreation and Consumer Installment portfolios.
  • Produce vintagecurveand delinquency analyses toidentifyemerging risk trends and informtimelypolicy adjustments.
  • Conduct credit policy rule analyses - including underwriting rule-sharing studies across product lines - to assess policy effectiveness, overlap, and optimization opportunities.
  • Develop and deliver regular executive-level credit reports summarizing portfolio performance, risk segment trends, and key risk indicators for senior management and committee audiences.
  • Support ad hoc analytical requests from the leadership, including scenario modeling, competitive benchmarking, and credit strategy evaluation.
  • Partner with Data Analytics and Finance teams on data acquisition, model validation support,analytics support, report building and use as a general resource for success.
  • Assistinmaintainingand enhancing credit underwriting documentation, policy memoranda, and governance materials.
  • Perform other duties as assigned.


What you need to do that job:

  • Strongproficiencyin statistical programming - R, Python, or SAS - for data wrangling, analytics pipelines, and visualization.
  • Advanced Excel skills including pivot tables, financial modeling, and chart production for executive reporting.
  • Solid understanding of consumer credit fundamentals: underwriting criteria, credit scoring, risk segmentation, delinquency measurement, and loss attribution.
  • Ability to translate complex data analyses into clear, executive-ready presentations and written summaries.
  • Highly organized with strong attention to detail and the ability to manage multiple deliverables concurrently.
  • Collaborative, communicative team player who works effectively across credit, analytics, finance, and product functions.

What you bring with you:

  • Minimum5years of experience in credit risk, financial analytics, or a related quantitative role within banking, fintech, or consumer finance.
  • Bachelor's degree in Finance, Economics, Statistics, Mathematics, or a related quantitative fieldrequired.
  • Demonstrated experience producing portfolio monitoring reports and/or credit performance analytics.
  • Priorexposure to consumer installment, recreation (RV/marine/powersports), or specialty lending portfolios is a plus.
  • Experience with SQL and/or data warehousing platforms (e.g., Snowflake, SQL Server/SSMS) is preferred.

Environment:

  • In office work required with some hybrid work permitted.
  • Overtime and some travel may be required periodically.


Compensation & Benefits:

  • Competitive salary and performance-based incentives
  • Health, dental, and vision insurance
  • 401(k) with company match
  • Paid time off and holidays
  • Professional development opportunities

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