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Credit Risk Data Science Jobs in Bakersfield, CA

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Credit Risk Data Science information

See Bakersfield, CA salary details

$38.3K

$117.8K

$204.3K

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

As of Aug 1, 2026, the average yearly pay for credit risk data science in Bakersfield, CA is $117,774.00, according to ZipRecruiter salary data. Most workers in this role earn between $85,300.00 and $145,300.00 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 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.
What are popular job titles related to Credit Risk Data Science jobs in Bakersfield, CA? For Credit Risk Data Science jobs in Bakersfield, CA, the most frequently searched job titles are:
What job categories do people searching Credit Risk Data Science jobs in Bakersfield, CA look for? The top searched job categories for Credit Risk Data Science jobs in Bakersfield, CA are:
What cities near Bakersfield, CA are hiring for Credit Risk Data Science jobs? Cities near Bakersfield, CA 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 Bakersfield, CA as of June 2026, with employment types broken down into 2% As Needed, 69% Full Time, 24% Part Time, and 5% Contract. Highlights an 87% Physical, 3% Hybrid, and 10% Remote job distribution, with an average salary of $117,774 per year, or $56.6 per hour.

Credit Analyst IV - Mission Bank

Mission Bank

Bakersfield, CA

$97K - $120K/yr

Full-time

Re-posted 21 days ago

Job description

We are seeking a Credit Analyst IV to join our Credit Administration team! The Credit Analyst, Credit Administration supports the Bank's credit risk management framework by monitoring asset quality, preparing risk-related reporting, and coordinating follow-up activities with Relationship Managers and Credit Administration. This role focuses on asset oversight, risk identification, and reporting rather than independent credit approval authority. The position is responsible for monitoring criticized and classified loans, preparing problem loan reports, supporting risk rating accuracy, and ensuring documentation and system integrity within nCino and related platforms. This role does not carry independent loan approval authority unless otherwise assigned. The role may include direct or indirect relationship management of higher risk borrowers and possibly a BBC.

Responsibilites, include, but are not limited to the following:

  1. Prepare and maintain problem loan reports and asset quality summaries.
  2. Serve as the primary coordinator for asset monitoring activities across business lines.
  3. Track covenant compliance, maturity dates, financial statement receipt, and collateral exceptions.
  4. Follow up with Relationship Managers on property tax payments, insurance coverage, and other risk-related items. Including a monthly summary report to the CCO.
  5. Prepare monthly and quarterly credit risk reports for management and committees.
  6. Support preparation of criticized/classified asset reports and regulatory reporting.
  7. Analyze risk trends within assigned portfolios and escalate concerns appropriately.
  8. Assist in tracking concentrations and emerging portfolio risks.
  9. Review risk rating changes for accuracy and consistency.
  10. Analyze and document rationale for risk rating downgrades or upgrades.
  11. Ensure risk ratings appropriately reflect financial performance, collateral position, and repayment capacity.
  12. Coordinate with Relationship Managers and Credit Officers to resolve discrepancies.
  13. Manage as directed high risk borrowers and document status updates.
  14. Track action items associated with special assets and ensure timely follow-through.
  15. Track and findings and/or recommendations from any loan exam to ensure mitigation/implementation.
  16. Complete and review problem borrower write-ups within nCino to ensure completeness and accuracy.
  17. Maintain credit file documentation integrity and required risk documentation.
  18. Ensure policy adherence in credit administration processes.
  19. Assist with internal and external audit requests related to credit files and asset quality.
  20. Complete and review write-ups within nCino to ensure completeness and accuracy.
  21. Maintain credit file documentation integrity and required risk documentation.

Minimum Requirements:

  • 3-5 years of experience in credit administration, loan review, risk management, or banking operations.
  • Working knowledge of credit risk principles, loan documentation, and regulatory expectations.
  • Experience with nCino or similar loan origination/credit systems preferred.
  • Proficient in Excel.
  • Detail oriented.
  • Strong ability to analyze and synthesize large amounts of data.
  • Ability to conduct extensive research and apply data to improve BSA Program and strong knowledge of BSA compliance, preferred.
  • Possess strong written/verbal communication skills as well as excellent organizational/time management skills.
  • Ability to work with minimal supervision while performing duties.

Target Compensation: $97,054 - 120,000 annually, depending on experience.