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Credit Risk Modeling Jobs in Georgia (NOW HIRING)

YouLend

Credit Risk Lead

Atlanta, GA · On-site

Strong understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management. * Outstanding quantitative and deductive reasoning ...

usauto

Credit Risk Manager

Duluth, GA

Develop cash flow and unit economics models to estimate credit and financial performance. * Work ... risk analytics in consumer lending. * Excellent communication (verbal and written) with the ability ...

Carmax

Analyst II, Credit Risk

Atlanta, GA · On-site

Analyze funding opportunities across the credit spectrum and contribute to the implementation of ... Support and maintain forecasting and risk models, including multi-year funding forecasts and ...

Carmax

Analyst II, Credit Risk

Kennesaw, GA · On-site

$70K - $105K/yr

Analyze funding opportunities across the credit spectrum and contribute to the implementation of ... Support and maintain forecasting and risk models, including multi-year funding forecasts and ...

CarMax, Inc.

Analyst II, Credit Risk

Kennesaw, GA · On-site

Analyze funding opportunities across the credit spectrum and contribute to the implementation of ... Support and maintain forecasting and risk models, including multi-year funding forecasts and ...

Regions Bank

Credit Risk Review Examiner

Atlanta, GA · On-site

At Regions, the Credit Risk Review Examiner continuously monitors and examines activities. This ... models, understanding portfolio valuation techniques, etc. * Proposes appropriate ratings and risk ...

Carmax

Director, Credit Risk & Analytics

Kennesaw, GA · On-site

$148K - $237K/yr

Director, Credit Risk & Analytics About this job As the captive lender behind the nation's largest ... Owning P&L responsibilities by developing forecast models and successfully steering the business to ...

Carmax

Director, Credit Risk & Analytics

Atlanta, GA · On-site

Director, Credit Risk & Analytics About this job As the captive lender behind the nation's largest ... Owning P&L responsibilities by developing forecast models and successfully steering the business to ...

Splitit

Credit Officer & Head of Risk

Atlanta, GA · On-site

Strong expertise and background in consumer credit risk management, including underwriting, credit limits, pricing models, and portfolio management. * Experience leading a risk function. This must ...

Splitit

Credit Officer & Head of Risk

Atlanta, GA · On-site

Strong expertise and background in consumer credit risk management, including underwriting, credit limits, pricing models, and portfolio management. * Experience leading a risk function. This must ...

SplitIt

Credit Officer & Head of Risk

Atlanta, GA · On-site

Strong expertise and background in consumer credit risk management, including underwriting, credit limits, pricing models, and portfolio management. * Experience leading a risk function. This must ...

INHABIT IQ

Senior Credit Risk Analyst

Alpharetta, GA

Summary As a Senior Credit and Risk Analyst, the primary responsibilities include identifying and ... Mentor analysts through guidance on risk models, investigative techniques, professional development ...

Inhabit

Senior Credit Risk Analyst

Alpharetta, GA · On-site

Summary As a Senior Credit and Risk Analyst, the primary responsibilities include identifying and ... Mentor analysts through guidance on risk models, investigative techniques, professional development ...

Truist

CRE Senior Credit Risk Officer II

Atlanta, GA · On-site

... execute credit strategy in line with LOB targets and Truist stated risk tolerance. Communicates ... Models behaviors that reflect strong judgment capabilities gained through deep and comprehensive ...

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All JobsCredit Risk Modeling JobsCredit Risk Modeling Jobs in Georgia

Credit Risk Modeling information

See Georgia salary details

$22.2K

$84.4K

$159.1K

How much do credit risk modeling jobs pay per year?

As of Jul 9, 2026, the average yearly pay for credit risk modeling in Georgia is $84,447.00, according to ZipRecruiter salary data. Most workers in this role earn between $56,798.00 and $101,147.00 per year, depending on experience, location, and employer.

What is a Credit Risk Modeling job?

A Credit Risk Modeling job involves developing statistical models and analytical techniques to assess the credit risk of individuals or businesses. Professionals in this role analyze financial data, borrower behavior, and economic trends to predict the likelihood of default and assist in making informed lending decisions. They use techniques such as logistic regression, machine learning, and Monte Carlo simulations to quantify risk. Credit risk modelers work closely with risk management teams, regulators, and financial institutions to ensure compliance with industry standards. Their insights help optimize loan approvals, set credit limits, and manage overall portfolio risk.

What are the key skills and qualifications needed to thrive in the Credit Risk Modeling position, and why are they important?

To thrive in Credit Risk Modeling, you need strong analytical skills, proficiency in statistics and finance, and typically a degree in mathematics, statistics, economics, or a related field. Familiarity with programming languages like Python, R, or SAS, as well as experience using statistical modeling software and risk management platforms, are highly valued. Excellent communication, critical thinking, and collaborative abilities help translate complex data insights for stakeholders and work effectively within cross-functional teams. These skills are crucial for designing accurate risk models that inform sound lending decisions and maintain financial stability for organizations.

What are typical daily responsibilities for someone working in Credit Risk Modeling?

Professionals in Credit Risk Modeling spend their days developing and validating statistical models to assess the likelihood of credit defaults, analyzing large data sets to identify risk factors, and compiling detailed reports on their findings. They collaborate closely with data scientists, underwriters, credit analysts, and sometimes regulatory teams to ensure models meet business and compliance standards. Additionally, they often participate in meetings to discuss portfolio performance or proposed policy changes. This role involves a balance of technical analysis, documentation, and cross-functional communication, making it dynamic and integral to financial decision-making.

What are the most commonly searched types of Credit Risk Modeling jobs in Georgia? The most popular types of Credit Risk Modeling jobs in Georgia are:
What are popular job titles related to Credit Risk Modeling jobs in Georgia? For Credit Risk Modeling jobs in Georgia, the most frequently searched job titles are:
What job categories do people searching Credit Risk Modeling jobs in Georgia look for? The top searched job categories for Credit Risk Modeling jobs in Georgia are:
Credit Risk Modeling jobs near you
Infographic showing various Credit Risk Modeling job openings in Georgia as of July 2026, with employment types broken down into 82% Full Time, 16% Part Time, 1% Temporary, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $84,447 per year, or $40.6 per hour.

Credit Risk Lead

YouLend

Atlanta, GA • On-site

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 28 days ago

Job description

Credit Risk Lead
Department: Credit Risk
Employment Type: Permanent
Location: Atlanta
Description
About Us
YouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world's leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk.
We are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.
The Role
We are seeking a Credit Risk Lead to oversee and drive the next phase of growth in our US business. Whilst the role is US market focused, like most of our functions, it is based out of our global headquarters in London.
In this role, you will lead the US credit risk and underwriting team, owning, developing and innovating our credit strategy ensuring consistent, high-quality credit decisions aligned with the company's risk appetite and regulatory obligations. You will partner closely with senior risk leadership, Product, Data, Compliance, and Commercial teams to strengthen credit policies, optimize decisioning frameworks, and maintain strong portfolio performance.
This role requires deep credit risk expertise and an ability to thrive in a fast paced environment. Outstanding interpersonal skills will be required both to lead the team and collaborate with business partners and senior management. You will be empowered to manage and be accountable for team performance, underwriting quality, operational efficiency, and the delivery of key risk outcomes in this strategically critical and high profile market.
Key Responsibilities
  • Overall market Credit Risk
    • Ownership of the Credit Strategy for the US market
    • Directly contribute to delivery of business KPIs as part of the wider US management team (e.g. growth, profitability, loss rate etc.)
    • Collaborate with Credit Risk leads across all geographic markets contributing to global targets by sharing toolkit, insights, innovations and emerging risks

  • Credit strategy development and innovation
    • Ownership and delivery of the US Credit Strategy development and innovation roadmap socialised and agreed with business partners and senior leadership
    • Continuous development and innovation of our Credit Strategy to maintain a market leading strategic capabilty
    • Close collaboration with capital markets, product, tech, legal, compliance and operational teams to ensure strategic alignment, regulatory compliance and an integrated customer proposition

  • Portfolio performance monitoring and management
    • Monitor portfolio performance, identifying trends in credit quality, losses, and early risk indicators.
    • Prepare and present risk reporting and insights to senior management including preparing for and leading Credit Committee discussions
    • Recommend actions to mitigate emerging risks and optimise portfolio outcomes

  • Team Leadership & Management
    • Lead, manage, mentor, and develop a small team of credit risk analysts and underwriters.
    • Recruit for and develop the team in line with our culture and values creating a tenured, talented and recognised centre of Credit Risk excellence

  • Governance, Compliance and Quality Assurance
    • Own and maintain the Risk Governance Framework including Credit Risk Policy and Process documentation in relation to the US market and federal / state regulatory requirements
    • Oversee credit underwriting and risk assessment processes to ensure consistent application of credit policies and risk appetite including calling out issues and collaborating with 2nd line Quality Assurance teams
    • Review complex or escalated cases and provide guidance on structured risk decisions

Skills, Knowledge and Expertise
Essential Skills:
  • 5+ years of experience in credit risk, underwriting, or a related risk management function within financial services, fintech, lending, or commercial credit
  • Strong understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management.
  • Outstanding quantitative and deductive reasoning skills; quickly able to identify insights in complex multi-dimensional data sets and autonomously develop and pursue solutions
  • Strong written and verbal communication skills, including the ability to explain risk concepts to non-technical audiences
  • Proven ability to lead teams, drive accountability, and influence cross-functional stakeholders
  • Ability to evaluate financial statements, cash flow, and credit data to inform structured risk decisions
  • Highly organized and comfortable managing multiple priorities in a fast-paced, growth-oriented environment

Desirable Skills:
  • Experience in SME Lending
  • Familiarity with US lending regulations and compliance requirements
  • Experience working in other international markets

Benefits
Why join YouLend?
  • Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work in 2024, 2025 and 2026" by the Sunday Times for being a supportive, diverse, and rewarding workplace.
  • Award-Winning Fintech: YouLend has been recognised as a "Top 250 Fintech Worldwide" company by CNBC.

It's just getting fun:
  • We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.
  • But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started.

Lots of upsides:
  • High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business).
  • Well-capitalised with supportive private equity backing.
  • Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.

Motivating work environment:
  • A high-quality team that pushes each other to succeed through direct feedback and aligned incentives.
  • Strong and transparent team culture, we have each other's backs.
  • Independent work environment where results matter.
  • Data-driven culture and emphasis on speed (anti-red tape).

We offer a comprehensive benefits package that includes:
  • Health Care Coverage. Youlend covers 80%; employee contribution is 20% of the premium.
  • Medical Plan (medical insurance and prescription drug coverage)- Choice of 5 different plans through United Healthcare.
  • Dental plan coverage
  • Vision plan coverage
  • Benefits can be for: Employee only; Employee & Spouse; Employee & Child; Employee & Family
  • Retirement - 401K match. Employee match $1 for $1 up to 5% of salary.
  • Basic Life & AD&D Insurance.
  • International travel insurance covered if traveling abroad for work purposes.
  • Paid Time Off (PTO)- 20 working days (4 weeks) + US public holidays
  • Paid Office Parking

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.

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