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Credit Risk Developer Jobs (NOW HIRING)

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

Block

Senior Credit Risk Analyst

Bodega Bay, CA

... Engineering, and more - provide support and guidance at the corporate level. They work across ... The Role We're seeking a Senior Credit Risk Analyst to join our Enterprise Risk Management team.

Regional Finance Corp

Director Credit Risk

Plano, TX

Job Purpose The Director, Credit Risk is responsible for Portfolio analytics, business performance ... Advanced programming skills in SAS/R/Python and SQL. * Moderate to Expert level skills in Microsoft ...

Regional Finance

Director Credit Risk

Plano, TX · On-site

Job Purpose The Director, Credit Risk is responsible for Portfolio analytics, business performance ... Advanced programming skills in SAS/R/Python and SQL. * Moderate to Expert level skills in Microsoft ...

Regional Finance

Director Credit Risk

Plano, TX

Job Purpose The Director, Credit Risk is responsible for Portfolio analytics, business performance ... Advanced programming skills in SAS/R/Python and SQL. * Moderate to Expert level skills in Microsoft ...

Regional Finance Corp

Director Credit Risk

Plano, TX · On-site

Job Purpose The Director, Credit Risk is responsible for Portfolio analytics, business performance ... Advanced programming skills in SAS/R/Python and SQL. * Moderate to Expert level skills in Microsoft ...

USAA

Senior Analyst, Credit Risk Strategy

Plano, TX · On-site +1

Apply expert programming and analytical techniques to analyze credit data. * Provide thought leadership, coaching, and mentoring to team members regarding analytics and risk management. * Collaborate ...

USAA

Senior Analyst, Credit Risk Strategy

Plano, TX · On-site +1

Apply expert programming and analytical techniques to analyze credit data. * Provide thought leadership, coaching, and mentoring to team members regarding analytics and risk management. * Collaborate ...

BBVA

Credit Risk Review Vice President

Manhattan, NY · On-site

$150K - $170K/yr

... engineers and designers. About The Job This position requires an individual with a strong credit ... Assess the sufficiency of credit risk monitoring programs, relevant performance covenants and ...

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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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Credit Risk Developer jobs near you
Credit Risk Analyst

Credit Risk Analyst

Genworth Financial, Inc.

Raleigh, NC • On-site

Full-time

Retirement, PTO

Posted 16 days ago

Job description

At Enact, we understand that there's no place like home. That's why we bring our deep expertise, insightful offerings, and extra mile service to work every day to help lenders put more people in homes and keep them there.
We're looking for a Credit Risk Analyst in Raleigh, NC to join us in fulfilling our mission, while utilizing our values of excellence, improvement, and connection. In this role, you will provide insights and expertise in model development and quantitative analysis of credit risk across primary and structured credit insurance opportunities. You are responsible for helping Enact succeed in its targeted acquisition, management, and distribution of credit risk strategy. Success in this role requires a blend of strong analytical skills, a desire to collaborate with others, and effective communication.
LOCATION
Enact Headquarters, Raleigh, NC - Hybrid Schedule
YOUR RESPONSIBILITIES
  • Assist in the development of new probability of default, loss given default and exposure models
  • Run developed models to assist in the quantitative assessment of both new business and portfolio performance ensuring continuity between the two
  • Review and work with external models to help validate if they are fit for use under Enact's existing Model Risk Framework
  • Incorporate internally developed and external models into Enact's data and modeling architecture
  • Monitor model performance against actual loss experience to better inform future improvements
  • Collaborate with IT teams and assist in the development of interfaces and tools that better enable underwriters to interact with model results
  • Use models and loss distributions to perform stress testing across multiple collateral types while ensuring adherence to internal and regulatory standards
  • Help in the design and computation of analytics that support Enact's capital management strategies and risk appetite.
  • Collaborate on designing strategies that inform risk acquisition and distribution

YOUR QUALIFICATIONS
  • Bachelor's degree in actuarial science, statistics, financial mathematics, or a related field
  • 3+ years of quantitative experience working with credit data and building risk models
  • Experience using statistical or machine learning to model frequency and severity of losses
  • Experience developing, testing, diagnosing and documenting risk models and their performance
  • Experience creating reproducible workflows including version-controlled code
  • Proficiency in data manipulation and analysis in a programming language such as Python or R
  • Strong communication skills that allow for collaboration across multiple teams including IT
  • Self-directed learner who proactively identifies knowledge gaps, pursues resources, and consistently applies new techniques to improve model performance or reliability

PREFERRED QUALIFICATIONS
  • Master's degree or equivalent in actuarial science, statistics, financial mathematics, or a related field
  • Experience building interactive data applications with tools such as Streamlit or Shiny
  • Experience in developing credit risk frameworks, underwriting guidance, and pricing strategies
  • Experience with cashflow modeling and financial metrics such as return on equity
  • Experience with structured credit risk transfer transactions

COMPANY
Enact Holdings, Inc. (Nasdaq: ACT), operating primarily through its wholly owned subsidiaries, is a leading publicly traded U.S. private mortgage insurance provider, offering borrower-centric products that enable lenders and other partners across the U.S. to help people responsibly achieve and maintain the dream of homeownership.
By empowering customers and their borrowers, Enact seeks to positively impact the lives of those in the communities in which it serves in a sustainable way. Headquartered in Raleigh, North Carolina, we play an active role in supporting a healthier Triangle community. We also support our colleagues' philanthropic efforts in their home communities across the U.S. Enact values all perspectives, characteristics and experiences, along with providing a positive and inclusive culture for employees to grow and succeed. We strive to create an environment where employees can bring their full, authentic selves to work to help each other and their customers.
We are proud to be an equal opportunity employer and all hiring decisions are based on merit, qualifications, and business needs. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.
WHY WORK AT ENACT
  • We bring innovative thinking to the situations at hand
  • We seek out and incorporate diverse views to strengthen our outcomes
  • We work on challenging and rewarding projects
  • We offer competitive benefits:
    • Hybrid work schedule (in-office days Tues/Wed/Thurs)
    • Generous Time Off
    • 40 Hours of Volunteer Time Off
    • Tuition Reimbursement and Student Loan Repayment
    • Paid Family Leave and Flexible Spending Accounts
    • 401k with up to 5% employer match
    • Fitness and Emotional Wellness Reimbursements
    • Onsite Gym

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