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Credit Risk Developer Jobs in Charlotte, NC (NOW HIRING)

Flex

Portfolio Risk Analytics Lead

Concord, NC · Remote

$150K - $250K/yr

Banking, credit, payments, personal finance, and financial operations--rebuilt from the ground up ... Partner cross-functionally with Underwriting, Engineering, Product, Finance, and L&C to ensure ...

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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 is a credit risk developer?

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?

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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Credit Risk Developer jobs near you

Senior Risk Developer

Sumitomo Mitsui Financial Group, Inc.

Charlotte, NC • Hybrid

$53.25 - $70.25/hr

Other

Posted 16 days ago

Job description

SMBC Group is a top-tier global financial group. Headquartered in Tokyo and with a 400-year history, SMBC Group offers a diverse range of financial services, including banking, leasing, securities, credit cards, and consumer finance. The Group has more than 130 offices and 80,000 employees worldwide in nearly 40 countries. Sumitomo Mitsui Financial Group, Inc. (SMFG) is the holding company of SMBC Group, which is one of the three largest banking groups in Japan. SMFG's shares trade on the Tokyo, Nagoya, and New York (NYSE: SMFG) stock exchanges.

In the Americas, SMBC Group has a presence in the US, Canada, Mexico, Brazil, Chile, Colombia, and Peru. Backed by the capital strength of SMBC Group and the value of its relationships in Asia, the Group offers a range of commercial and investment banking services to its corporate, institutional, and municipal clients. It connects a diverse client base to local markets and the organization's extensive global network. The Group's operating companies in the Americas include Sumitomo Mitsui Banking Corp. (SMBC), SMBC Nikko Securities America, Inc., SMBC Capital Markets, Inc., SMBC MANUBANK, JRI America, Inc., SMBC Leasing and Finance, Inc., Banco Sumitomo Mitsui Brasileiro S.A., and Sumitomo Mitsui Finance and Leasing Co., Ltd.

JOB SUMMARY
Join our Risk Technology team as a Senior Risk Developer (VP) and help build the platforms that power enterprise risk analytics, automation, and decision-making. In this role, you will design scalable data products, develop AI and machine learning solutions, and deliver user-facing applications that support risk management across the organization. You will work closely with Risk, Data Science, Product, and Engineering teams to translate business needs into secure, reliable, and auditable technology solutions. This position offers the opportunity to influence enterprise-scale risk platforms from design through production support.
PRINCIPAL DUTIES AND RESPONSIBILITIES
  • Design, build, and maintain risk data platforms, pipelines, and curated datasets using Azure Databricks to support enterprise risk management and reporting.
  • Develop and optimize data ingestion, transformation, storage, and retrieval solutions using Python and SQL, with a focus on scalability, reliability, and auditability.
  • Build, deploy, monitor, and maintain AI and machine learning models for risk analytics, using MLflow for experimentation, version control, lineage, and governance.
  • Design and implement AI-powered workflows and prompt-based solutions that improve risk analysis, monitoring, validation, and decision support.
  • Implement CI/CD pipelines and automated deployment processes for data products, models, and applications, ensuring controlled releases and production stability.
  • Develop user-facing risk applications and dashboards, including React-based interfaces that integrate with data services, models, and backend APIs.
  • Partner with Risk, Data Science, Product, and Engineering teams to gather requirements, define solution architecture, and deliver technology solutions that meet business objectives.
  • Lead technical delivery efforts, promote engineering quality standards, and provide clear communication on architecture decisions, risks, and delivery progress.
POSITION SPECIFICATIONS
  • 7+ years of software engineering, data engineering, or risk technology experience within financial services.
  • Experience leading complex technology initiatives and delivering solutions in Agile development environments.
  • Experience building and operating production AI and machine learning solutions across the full model lifecycle.
  • Advanced expertise with Azure Databricks, including large-scale data processing and data pipeline development.
  • Strong SQL skills, including SQL Server, T-SQL, and stored procedure development.
  • Strong Python development experience for data engineering, analytics, and application development.
  • Working knowledge of Oracle and PL/SQL.
  • Hands-on experience with Azure services, including Azure Data Lake Storage, Azure Functions, Azure Event Grid, Azure Service Bus, Azure Monitor, and Azure Log Analytics.
  • Experience implementing CI/CD practices using Azure DevOps or comparable enterprise tooling.
  • Experience using Databricks MLflow for model tracking, experimentation, deployment, and governance.
  • Experience implementing AI-assisted workflows, generative AI solutions, or prompt-based applications in production environments.
  • Understanding of model governance, monitoring, and operational controls.
  • Experience developing modern web applications using React and integrating front-end applications with APIs, backend services, and data platforms.
  • Ability to communicate technical concepts clearly to both technical and non-technical audiences.
  • Experience working across Risk, Engineering, Data Science, and Product teams to deliver business outcomes.

SMBC's employees participate in a Hybrid workforce model that provides employees with an opportunity to work from home, as well as, from an SMBC office. SMBC requires that employees live within a reasonable commuting distance of their office location. Prospective candidates will learn more about their specific hybrid work schedule during their interview process. Hybrid work may not be permitted for certain roles, including, for example, certain FINRA-registered roles for which in-office attendance for the entire workweek is required.

SMBC provides reasonable accommodations during candidacy for applicants with disabilities consistent with applicable federal, state, and local law. If you need a reasonable accommodation during the application process, please let us know at accommodations@smbcgroup.com.

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