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Credit Risk Data Science Jobs in Birmingham, AL (NOW HIRING)

First Horizon Bank

Risk Consultant

Birmingham, AL · On-site

This role works closely with Credit Risk, Finance, and Data teams to develop analytical solutions ... Bachelor's degree or equivalent in computer science, data mining, applied mathematics or other ...

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Credit Risk Data Science information

See Birmingham, AL salary details

$34.7K

$106.7K

$185.1K

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

As of Aug 9, 2026, the average yearly pay for credit risk data science in Birmingham, AL is $106,728.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,300.00 and $131,700.00 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 Birmingham, AL? For Credit Risk Data Science jobs in Birmingham, AL, the most frequently searched job titles are:
What job categories do people searching Credit Risk Data Science jobs in Birmingham, AL look for? The top searched job categories for Credit Risk Data Science jobs in Birmingham, AL are:
Credit Risk Data Science jobs near you

Risk Data Scientist

Regions Financial Corporation

Birmingham, AL • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 6 days ago

Regions Bank rating

8.2

Company rating: 8.2 out of 10

Based on 159 frontline employees who took The Breakroom Quiz

51st of 170 rated banks

Job description

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice.
Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions' Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system.
Job Description:
At Regions, the Risk Data Scientist researches, models, implements, and validates algorithms (predictive and prescriptive) to analyze diverse sources of data to achieve targeted outcomes.
The position at this level works with multiple teams of data scientists, analysts, and visualization experts contributing independently to solve business problems with high complexity and enable effective risk management. Additionally, the position at this level requires in-depth knowledge in quantitative analytical methods, data management, visualization, and programming skills suitable to drive data-driven decisions.
Primary Responsibilities
  • Works with large, structured, and un-structured datasets
  • Uses quantitative and analytical techniques to accelerate profitable growth and monitor and mitigate risk - unlocking value across all functional areas of business
  • Uses Big Data tools (e.g. Hadoop, Spark, H2O, CDSW, Domino Labs, etc.) to build data analytics solutions
  • Builds machine learning and Artificial Intelligence (AI) models from development through testing and validation
  • Designs rich data visualizations to communicate complex ideas to business leaders and executives
  • Communicates outcomes and proposed business solutions to senior Risk Data Scientists
  • Draws insights from data to make quick, well informed decisions with available information
  • Demonstrates ability to continuously learn and provide value in a dynamic environment
  • Understands all phases of the model lifecycle, ensuring that models and associated documentation comply with model validation expectations

This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay.
Requirements
  • Bachelor's degree and four (4) years of related experience
  • Or Master's degree and two (2) years of related experience
  • Or Ph.D. and two (2) years of related experience in a quantitative/analytical/STEM field
  • One (1) year of hands-on experience with Big Data technologies such as Hadoop, Hive, Impala, Spark, or Kafka
  • Two (2) years of working experience with statistical and predictive modeling concepts and approaches such as machine learning, clustering and classification techniques, and artificial intelligence
  • Two (2) years of working programming experience analyzing large, complex, and multi-dimensional datasets using a variety of tools such as SAS, Python, Ruby, R, Matlab, Scala, or Java

Preferences
  • Background in banking and/or other financial services
  • Experience in Agile Software Development
  • May require experience in libraries such as TensorFlow, Pytorch, or Keras
  • Knowledge in Google Analytics and/or Adobe Digital

Skills and Competencies
  • Advanced Structured Query Language (SQL) skills
  • Comfortable with both relational databases and Hadoop-based data mining frameworks
  • Deep understanding of statistical and predictive modeling concepts, machine learning approaches, clustering and classification techniques, and recommendation and optimization algorithms
  • Expertise in analyzing large, complex, multi-dimensional datasets
  • Proficient in visualization tools like Power Business Intelligence (BI) and Tableau
  • Strong business acumen with the ability to communicate with both business and Information Technology (IT) leaders
  • Strong communication skills through data visualizations as well as written and oral presentations

Position Type
Full time
Compensation Details
Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job.
The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position.
Job Range Target:
Minimum:
$73,528.40 USD
Median:
$115,260.00 USD
Incentive Pay Plans:
This job may participate in an annual discretionary bonus plan.
Benefits Information
Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions.
  • Paid Vacation/Sick Time
  • 401K with Company Match
  • Medical, Dental and Vision Benefits
  • Disability Benefits
  • Health Savings Account
  • Flexible Spending Account
  • Life Insurance
  • Parental Leave
  • Employee Assistance Program
  • Associate Volunteer Program

Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser.
https://www.regions.com/about-regions/welcome-portal/benefits
Location Details
Riverchase Complex North Building
Location:
Hoover, Alabama
Equal Opportunity Employer/including Disabled/Veterans
Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.

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