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Credit Risk Data Science Jobs in Atlanta, GA (NOW HIRING)

YouLend

Credit Risk Lead

Atlanta, GA · On-site

Strong understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management. * Outstanding quantitative and deductive reasoning ...

YouLend Limited

Credit Risk Lead

Atlanta, GA · On-site

$100 - $130/hr

Strong understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management. * Outstanding quantitative and deductive reasoning ...

New

YouLend

Junior Credit Decision Analyst

Atlanta, GA · On-site

$50K/yr

You will be contributing ideas to improve the ongoing processes, validating the accuracy and completeness of information received for each deal and liaising with the Credit Risk/Data Science teams to ...

Atlanticus

VP, Credit Risk

Atlanta, GA · On-site

Evaluate new data and partner data sources for underwriting and line assignment strategies using ... Work with Segment / Strategic Analytics / Decision Science staff to ensure project completion ...

usauto

Credit Risk Manager

Duluth, GA · On-site

Position Summary The Credit Risk Manager will be responsible for reporting, analytics and credit ... Bring your strong technical skills, consumer lending experience, and love for data to US Auto and ...

Regions Bank

Credit Risk Review Examiner

Atlanta, GA · On-site

Independently performs ad hoc analysis of often complex credit risk issues, frequently requiring aggregation of transaction data through use of spreadsheet or database software * Maintains ...

Fifth Third

Credit Risk Officer II

Atlanta, GA · On-site

Using both internal and external data to identify portfolio trends such as increasing concentration ... Credit Risk Officer II Grade/Band: E At Fifth Third, we understand the importance of recognizing ...

Equifax, Inc.

Senior Data Scientist - Fraud

Alpharetta, GA · On-site

$140 - $190/hr

Design and deploy advanced fraud and credit risk models to mitigate threats across the enterprise ... D. in Computer Science, Statistics, Mathematics, or a related quantitative field * 7-10+ years of ...

Carmax

Director, Credit Risk & Analytics

Kennesaw, GA · On-site

$148K - $237K/yr

Director, Credit Risk & Analytics About this job As the captive lender behind the nation's largest ... CAF is investing in our decisioning platform, our data infrastructure, and our use of alternative ...

Visa

Director, VCA NA Risk Practice

Atlanta, GA · On-site

This role requires deep expertise in credit risk frameworks, and data analytics, with a strong ... Partner closely with data science teams to deploy and interpret predictive models, model forecasts ...

Intuit

Staff AI Scientist

Atlanta, GA · On-site

By harnessing the power of data and artificial intelligence (AI), we continuously innovate and ... Contribute to the credit risk AI science initiatives for the new and evolving Money product ...

Carmax

Director, Credit Risk & Analytics

Atlanta, GA · On-site

Director, Credit Risk & Analytics About this job As the captive lender behind the nation's largest ... CAF is investing in our decisioning platform, our data infrastructure, and our use of alternative ...

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Showing results 1-20

All JobsCredit Risk Data Science JobsCredit Risk Data Science Jobs in Atlanta, GA

Credit Risk Data Science information

See Atlanta, GA salary details

$35.6K

$109.5K

$189.9K

How much do credit risk data science jobs pay per year?

As of Aug 7, 2026, the average yearly pay for credit risk data science in Atlanta, GA is $109,515.00, according to ZipRecruiter salary data. Most workers in this role earn between $79,300.00 and $135,100.00 per year, depending on experience, location, and employer.

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 Atlanta, GA? For Credit Risk Data Science jobs in Atlanta, GA, the most frequently searched job titles are:
What job categories do people searching Credit Risk Data Science jobs in Atlanta, GA look for? The top searched job categories for Credit Risk Data Science jobs in Atlanta, GA are:
What cities near Atlanta, GA are hiring for Credit Risk Data Science jobs? Cities near Atlanta, GA 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 Atlanta, GA 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, with an average salary of $109,515 per year, or $52.7 per hour.

Credit Risk Lead

YouLend

Atlanta, GA • On-site

Other

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 27 days ago

Job description

Credit Risk Lead
Department: Credit Risk
Employment Type: Permanent
Location: Atlanta
Description
About Us
YouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world's leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk.
We are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.
The Role
We are seeking a Credit Risk Lead to oversee and drive the next phase of growth in our US business. Whilst the role is US market focused, like most of our functions, it is based out of our global headquarters in London.
In this role, you will lead the US credit risk and underwriting team, owning, developing and innovating our credit strategy ensuring consistent, high-quality credit decisions aligned with the company's risk appetite and regulatory obligations. You will partner closely with senior risk leadership, Product, Data, Compliance, and Commercial teams to strengthen credit policies, optimize decisioning frameworks, and maintain strong portfolio performance.
This role requires deep credit risk expertise and an ability to thrive in a fast paced environment. Outstanding interpersonal skills will be required both to lead the team and collaborate with business partners and senior management. You will be empowered to manage and be accountable for team performance, underwriting quality, operational efficiency, and the delivery of key risk outcomes in this strategically critical and high profile market.
Key Responsibilities
  • Overall market Credit Risk
    • Ownership of the Credit Strategy for the US market
    • Directly contribute to delivery of business KPIs as part of the wider US management team (e.g. growth, profitability, loss rate etc.)
    • Collaborate with Credit Risk leads across all geographic markets contributing to global targets by sharing toolkit, insights, innovations and emerging risks

  • Credit strategy development and innovation
    • Ownership and delivery of the US Credit Strategy development and innovation roadmap socialised and agreed with business partners and senior leadership
    • Continuous development and innovation of our Credit Strategy to maintain a market leading strategic capabilty
    • Close collaboration with capital markets, product, tech, legal, compliance and operational teams to ensure strategic alignment, regulatory compliance and an integrated customer proposition

  • Portfolio performance monitoring and management
    • Monitor portfolio performance, identifying trends in credit quality, losses, and early risk indicators.
    • Prepare and present risk reporting and insights to senior management including preparing for and leading Credit Committee discussions
    • Recommend actions to mitigate emerging risks and optimise portfolio outcomes

  • Team Leadership & Management
    • Lead, manage, mentor, and develop a small team of credit risk analysts and underwriters.
    • Recruit for and develop the team in line with our culture and values creating a tenured, talented and recognised centre of Credit Risk excellence

  • Governance, Compliance and Quality Assurance
    • Own and maintain the Risk Governance Framework including Credit Risk Policy and Process documentation in relation to the US market and federal / state regulatory requirements
    • Oversee credit underwriting and risk assessment processes to ensure consistent application of credit policies and risk appetite including calling out issues and collaborating with 2nd line Quality Assurance teams
    • Review complex or escalated cases and provide guidance on structured risk decisions

Skills, Knowledge and Expertise
Essential Skills:
  • 5+ years of experience in credit risk, underwriting, or a related risk management function within financial services, fintech, lending, or commercial credit
  • Strong understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management.
  • Outstanding quantitative and deductive reasoning skills; quickly able to identify insights in complex multi-dimensional data sets and autonomously develop and pursue solutions
  • Strong written and verbal communication skills, including the ability to explain risk concepts to non-technical audiences
  • Proven ability to lead teams, drive accountability, and influence cross-functional stakeholders
  • Ability to evaluate financial statements, cash flow, and credit data to inform structured risk decisions
  • Highly organized and comfortable managing multiple priorities in a fast-paced, growth-oriented environment

Desirable Skills:
  • Experience in SME Lending
  • Familiarity with US lending regulations and compliance requirements
  • Experience working in other international markets

Benefits
Why join YouLend?
  • Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work in 2024, 2025 and 2026" by the Sunday Times for being a supportive, diverse, and rewarding workplace.
  • Award-Winning Fintech: YouLend has been recognised as a "Top 250 Fintech Worldwide" company by CNBC.

It's just getting fun:
  • We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.
  • But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started.

Lots of upsides:
  • High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business).
  • Well-capitalised with supportive private equity backing.
  • Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.

Motivating work environment:
  • A high-quality team that pushes each other to succeed through direct feedback and aligned incentives.
  • Strong and transparent team culture, we have each other's backs.
  • Independent work environment where results matter.
  • Data-driven culture and emphasis on speed (anti-red tape).

We offer a comprehensive benefits package that includes:
  • Health Care Coverage. Youlend covers 80%; employee contribution is 20% of the premium.
  • Medical Plan (medical insurance and prescription drug coverage)- Choice of 5 different plans through United Healthcare.
  • Dental plan coverage
  • Vision plan coverage
  • Benefits can be for: Employee only; Employee & Spouse; Employee & Child; Employee & Family
  • Retirement - 401K match. Employee match $1 for $1 up to 5% of salary.
  • Basic Life & AD&D Insurance.
  • International travel insurance covered if traveling abroad for work purposes.
  • Paid Time Off (PTO)- 20 working days (4 weeks) + US public holidays
  • Paid Office Parking

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.

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