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Credit Risk Developer Jobs in North Carolina (NOW HIRING)

Inizio Partners

Credit Risk Manager

Charlotte, NC · On-site

Credit Risk Manager Charlotte, NC, USA About the Role Our client's Credit Risk Practice partners ... Bachelors degree in Business, Finance, Statistics, Mathematics, Engineering, or related field;

Genworth Financial

Credit Risk Analyst

Raleigh, NC · Hybrid

We're looking for a Credit Risk Analyst in Raleigh, NC to join us in fulfilling our mission, while ... Proficiency in data manipulation and analysis in a programming language such as Python or R

Genworth

Credit Risk Analyst

Raleigh, NC · Hybrid

We're looking for a Credit Risk Analyst in Raleigh, NC to join us in fulfilling our mission, while ... Proficiency in data manipulation and analysis in a programming language such as Python or R

Gnw

Credit Risk Analyst

Raleigh, NC · Hybrid

We're looking for a Credit Risk Analyst in Raleigh, NC to join us in fulfilling our mission, while ... Proficiency in data manipulation and analysis in a programming language such as Python or R

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Credit Risk Developer information

What is the difference between Credit Risk Developer vs Credit Analyst?

AspectCredit Risk DeveloperCredit Analyst
Required CredentialsBachelor's in Finance, Economics, or related field; often some programming knowledgeBachelor's in Finance, Economics, or related field; strong analytical skills
Work EnvironmentDevelops risk models, works with data and software toolsAnalyzes credit data, assesses borrower risk, prepares reports
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending institutions, credit bureaus

While both roles focus on credit, the Credit Risk Developer primarily builds and maintains risk models using programming and data analysis, whereas the Credit Analyst evaluates individual creditworthiness and prepares risk assessments. Both roles are essential in credit decision processes but differ in technical focus and daily tasks.

What are Credit Risk Developers?

Credit Risk Developers are specialized software developers who design, build, and maintain systems that assess and manage financial risk for lending institutions or investment firms. They create algorithms and tools that analyze credit data, model potential losses, and ensure compliance with regulatory requirements. Their work supports decision-making processes related to lending, underwriting, and portfolio management. Typically, they collaborate closely with risk analysts, data scientists, and financial professionals to develop solutions that improve risk assessment accuracy and efficiency.

How does a Credit Risk Developer typically collaborate with risk analysts and business stakeholders?

A Credit Risk Developer often works closely with risk analysts to understand credit risk models and translate their requirements into robust software solutions. Regular meetings with business stakeholders are common to gather feedback, ensure alignment with regulatory standards, and adapt to changing business needs. This role requires strong communication skills to bridge the gap between technical and non-technical teams, ensuring that risk assessment tools are both accurate and user-friendly.

What are the key skills and qualifications needed to thrive as a Credit Risk Developer, and why are they important?

To thrive as a Credit Risk Developer, you need strong programming skills (such as Python, Java, or C++), a solid background in mathematics or finance, and experience with credit risk modeling. Familiarity with risk management systems, statistical analysis tools, and relevant certifications (like FRM or CFA) is often required. Exceptional problem-solving abilities, collaboration, and clear communication set outstanding candidates apart. These skills ensure accurate development and maintenance of credit risk models, enabling effective risk mitigation and regulatory compliance in financial institutions.
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What cities in North Carolina are hiring for Credit Risk Developer jobs? Cities in North Carolina with the most Credit Risk Developer job openings:
Credit Risk Developer jobs near you

Credit Risk Manager

Inizio Partners

Charlotte, NC • On-site

Full-time

Posted 18 days ago

Job description

Credit Risk Manager

Charlotte, NC, USA

About the Role

Our client's Credit Risk Practice partners with leading banks, fintechs, and financial institutions to design and implement advanced risk management strategies. We are seeking a Credit Risk data scientist to support the design, execution, and monitoring of credit strategies across the lending lifecycle. This role is highly analytical, with direct involvement in underwriting models and policies, line assignment, credit line increase programs, and ongoing portfolio monitoring.

Key Responsibilities

  • Contribute to development and validation of underwriting models, including data preparation, feature engineering, and performance benchmarking.
  • Support policy design for credit, fraud, pricing, and digital pre-qualification strategies.
  • Work on line assignment and credit line increase strategies, optimizing risk/return tradeoffs and supporting income capture initiatives.
  • Assist in graduation and product upgrade strategies for profitable base (like engaged, low-risk customers).
  • Support the design of risk appetite frameworks, concentration limits, and program guardrails.
  • Help establish reporting, monitoring dashboards, success metrics, and participate in industry benchmarking.
  • Collaborate with cross-functional teams to ensure strategies are aligned with business goals, compliant with policies, and scalable.
  • Drive innovation by testing new data sources, exploring A/B testing approaches, and refining strategies through continuous learning.

Qualifications

  • Bachelors degree in Business, Finance, Statistics, Mathematics, Engineering, or related field; Masters preferred.
  • 5+ years of experience in credit risk analytics, modeling, or strategy within banking, fintech, or consulting.
  • Strong knowledge of the credit lifecycle (underwriting, line assignment, CLI, monitoring, risk appetite).
  • Proficiency in SQL and SAS; exposure to Python /Tableau or other analytical tools is a plus.
  • Experience with statistical modeling, segmentation, regression, and hyperparameter optimization.
  • Knowledge of model governance, regulatory guidelines and designing risk appetite framework.
  • Strong analytical problem-solving skills with ability to translate insights into actionable strategies with excellent communication and presentation skills.
  • Ability to work in fast-paced environments, manage multiple priorities, and collaborate across teams.

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