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Credit Risk Data Science Jobs in Baltimore, MD (NOW HIRING)

Atlantic Union Bank

Senior Credit Officer II

Columbia, MD · On-site

$169K - $282K/yr

Ability to effectively analyze data in order to accurately assess risk from a cash flow, collateral, industry, local market conditions and management perspective in order to ensure appropriate credit ...

Integral

Data Scientist AI/ML

Annapolis Junction, MD · Hybrid

$200K - $230K/yr

Public Trust (Level 4; High-Risk) Integral Federal is looking to hire a Data Scientist to support the Transportation Security Administration (TSA) Performance Engineering Analytics (PEA) program. The ...

APGFCU

Business Credit Officer

Edgewood, MD · On-site

Determine the credit risk profiles based on financial analysis and market conditions. * Analyze ... Compile and maintain economic data relevant to national, regional, and industry-specific trends.

APGFCU

Business Credit Officer

Edgewood, MD · On-site

Determine the credit risk profiles based on financial analysis and market conditions. * Analyze ... Compile and maintain economic data relevant to national, regional, and industry-specific trends.

Deloitte

Financial Risk Manager

Baltimore, MD

Join our team and use advanced data, AI, and emerging technologies with industry insights to help ... Credit Risk, Liquidity Risk, Market Risk, Capital Management/Stress Testing * Knowledge of ...

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Credit Risk Data Science information

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$36.8K

$113.2K

$196.2K

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

As of Jun 28, 2026, the average yearly pay for credit risk data science in Baltimore, MD is $113,157.00, according to ZipRecruiter salary data. Most workers in this role earn between $82,000.00 and $139,600.00 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 Baltimore, MD? For Credit Risk Data Science jobs in Baltimore, MD, the most frequently searched job titles are:
What job categories do people searching Credit Risk Data Science jobs in Baltimore, MD look for? The top searched job categories for Credit Risk Data Science jobs in Baltimore, MD are:
What cities near Baltimore, MD are hiring for Credit Risk Data Science jobs? Cities near Baltimore, MD 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 Baltimore, MD as of June 2026, with employment types broken down into 1% As Needed, 77% Full Time, 18% Part Time, 1% Temporary, and 3% Contract. Highlights an 88% Physical, 3% Hybrid, and 9% Remote job distribution, with an average salary of $113,157 per year, or $54.4 per hour.
Model Risk Senior Analyst - Validation (AI, Cyber, Technology)

Model Risk Senior Analyst - Validation (AI, Cyber, Technology)

M&T Bank

Baltimore, MD • On-site

$113K - $188K/yr

Full-time

Posted 19 days ago

M&T Bank rating

7.8

Company rating: 7.8 out of 10

Based on 182 frontline employees who took The Breakroom Quiz

67th of 142 rated banks

Job description

Overview: The Senior Model Validation Analyst is responsible for executing robust, independent validations of quantitative and qualitative models across the enterprise. This role serves as a key control function within Model Risk Management (MRM), ensuring models are conceptually sound, empirically validated, and compliant with regulatory and internal standards.
Primary Responsibilities:
  • Lead end-to-end validation of several model families including Consumer CCAR and CECL credit risk models, AI/ML models, Cybersecurity and Technology models.
  • Conduct the validation and analysis of expert judgment or qualitative factors that augment quantitative models; review to confirm proper controls and adequate documentation are in place
  • Perform independent challenge of model methodologies, benchmarking, back-testing, sensitivity analysis, and stress testing
  • Maintain high-quality documentation of validation work, findings, and conclusions to withstand internal audit and regulatory scrutiny.
  • Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable
  • Support remediation of validation, audit, and regulatory findings.
  • Partner with model developers, business stakeholders, and risk managers to communicate validation outcomes, challenge assumptions, and recommend improvements.

Scope of Responsibilities:
Independently manage multiple validation projects.
Partner with business lines including Credit Risk, Finance, Technology, and Wealth.
Balance regulatory expectations with business objectives.
Contribute to continuous improvement of validation practices and governance.
Supervisory/Managerial Responsibilities:
Individual contributor with opportunities to mentor junior analysts and provide technical guidance.
Education and Experience Required:
Master's or Doctoral Degree in Mathematics, Statistics, Business Engineering, Econometrics, or Science-based discipline,
Plus 4 years' experience in model development or validation, with a combined minimum of >5 years' higher education and relevant work experience.
Technical knowledge of advanced software packages used in analytics.
Education and Experience Preferred:
Master's or PhD in a quantitative discipline (Finance, Economics, Statistics, Mathematics, Engineering).
7-10+ years in model validation, development, or quantitative analytics.
Strong knowledge of model risk, SR 11-07, SR 26-2, and regulatory expectations.
Proficiency in Python, SAS, R, or similar tools.
Strong analytical, communication, and stakeholder management skills.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $113,300.00 - $188,800.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.
Location
Baltimore, Maryland, United States of America

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