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Credit Risk Data Science Jobs in Miami, FL (NOW HIRING)

AgileEngine

Data Scientist ID71658

Fort Lauderdale, FL · On-site

The role requires 6+ years of data science experience applied specifically to cybersecurity, vulnerability management, or financial risk models. WHAT YOU WILL DO - Develop predictive models and ...

AgileEngine

Data Scientist ID71658

Miami, FL · On-site

The role requires 6+ years of data science experience applied specifically to cybersecurity, vulnerability management, or financial risk models. WHAT YOU WILL DO - Develop predictive models and ...

OpenFX

Data Science & Analytics Lead

Miami, FL · On-site

Risk & Financial Analytics: * Build analytics models for pricing optimization and financial ... data science roles. * Strong programming skills in Python and SQL. * Experience with modern data ...

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All JobsCredit Risk Data Science JobsCredit Risk Data Science Jobs in Miami, FL

Credit Risk Data Science information

See Miami, FL salary details

$35.4K

$108.9K

$188.9K

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

As of Jul 5, 2026, the average yearly pay for credit risk data science in Miami, FL is $108,921.00, according to ZipRecruiter salary data. Most workers in this role earn between $78,900.00 and $134,400.00 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 Miami, FL? For Credit Risk Data Science jobs in Miami, FL, the most frequently searched job titles are:
What job categories do people searching Credit Risk Data Science jobs in Miami, FL look for? The top searched job categories for Credit Risk Data Science jobs in Miami, FL are:
What cities near Miami, FL are hiring for Credit Risk Data Science jobs? Cities near Miami, FL with the most Credit Risk Data Science job openings:
Credit Risk Data Science jobs near you
Quantitative Analyst (Hybrid-Miami Lakes)

Quantitative Analyst (Hybrid-Miami Lakes)

BankUnited

Miami Lakes, FL • On-site

Full-time

Posted 4 days ago

Job description

SUMMARY: Reporting to the Allowance for Credit Losses Manager, the Analyst will be part of a dynamic team of talented professionals whose task is to manage and maintain the credit risk models used to identify and manage credit risk, provide insight into the drivers of expected loss, and to produce the allowance for credit losses estimate (ACL). The Analyst uses a combination of quantitative, modeling, project coordination, communication, and technical reporting skills to produce the ACL estimate and model performance monitoring and add value to the organization by enhancing our credit risk modeling and losses estimation, monitoring, and reporting capabilities.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.
  • Assist with the Credit Risk model Ownership and become an experienced user of third-party vendor credit loss models for CRE, C&I, and Residential loans. This includes periodic analytical review of model performance and updates, as well as, maintaining internal model documentation consistent with internal and regulatory expectations.
  • Advance and refine our use of Moody's CMM, RiskCalc, and MPA models. This includes using Moody's models and leveraging external and internal data to drive improvements in credit risk accuracy and utilizing the outputs to further backtesting, credit risk attribution, and reserving initiatives.
  • Run and execute credit models to produce estimates and behaviors of credit risk (PD & LGD) for purposes of ACL estimation, business plan forecasting and other needs.
  • Develop proficiency in third-party vendor reserve calculation engine (Evolv), including in- depth knowledge of calculation logic and business rules. Perform periodic calculation runs, testing/debugging and report building.
  • Compile quarterly ACL documentation for executive management and internal and external auditor consumption, including methodology and quarterly results memo documents.
  • Compile and present quarterly current economic assessment package for review and challenge by the Economic Forecast Committee.
  • Conduct interactive discussions with credit model experts, data scientists, accounting, credit and other key stakeholders to refine and improve ACL estimation and credit model performance efforts and other initiatives.
  • Work closely with both internal and external auditors to assist in understanding of ACL methodology, credit model assumptions, quarterly results, data ETL process and ASC 326-20 (CECL) application.
  • Present quarterly results and other ad-hoc decisions to executive management and other key stakeholders for challenge and review.
  • Periodic reporting on ACL and models performance. This includes report generation in a wide variety of formats including but not limited to Tableau dashboards, Microsoft Excel report, PowerPoint presentations and Microsoft Word reports, on a periodic as well as ad-hoc basis.
  • Drive the automation of modeling routines as well as report and dashboard generation in a manner that drives consistency, accuracy and repeatability in reporting.
  • Work closely with the data and technology teams to improve the data infrastructure needed to support the above initiatives.
  • Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).
  • Adheres to Bank policies and procedures and completes required training.
  • Identifies and reports suspicious activity.

EDUCATION
Degree in a quantitative discipline (eg Statistics, Finance, Mathematics, Engineering, Economics) required
EXPERIENCE
  • 1+ years' experience in financial services (banking, asset management, insurance, etc) with some direct exposure to analytics and/or modeling applied to finance and risk
  • Experience in using MS Office products, particularly Excel, Word, and PowerPoint required
  • Experience in creating and generating reports using Tableau preferred
  • Experience with programming languages, particularly Python preferred
  • Experience with general statistical and quantitative modeling techniques required
  • Experience utilizing and merging data from a variety of databases required

CERTIFICATES, LICENSES, REGISTRATIONS
  • CFA, PRM, FRM a plus

KNOWLEDGE, SKILLS AND ABILITIES
  • Able to understand credit risk (e.g., PD, LGD) and cash flow calculations and mechanics.
  • Able to use this understanding to interpret and discover inconsistencies in credit risk results and to provide insight into the credit risk outputs and enhance the modeling capabilities of the team
  • Strong communication skills (both verbal and written) with the ability to articulate complex concepts into a format digestible by a diverse audience
  • Strong interpersonal skills to aid in working with different divisions within the company
  • Ability to work under pressure, meet deadlines, manage competing initiatives, and adapt to an ever-changing work pace with a focus on accuracy and attention to detail

ADDITIONAL INFORMATION
  • Candidates residing in locations within BankUnited's footprint may be given preference.

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