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Credit Risk Modeling Jobs in Texas (NOW HIRING)

Regent Bank

Sr. Credit Analyst

Frisco, TX · On-site

Experience with credit risk modeling and statistical analysis. Responsibilities: * Conduct comprehensive financial analysis of clients to assess credit risk and determine credit limits. * Review and ...

Regional Finance

Director Credit Risk

Plano, TX · On-site

Mine, model, analyze large datasets, and utilize predictive modeling techniques with an emphasis on optimizing credit risk and marketing campaign performance using the following predictive modeling ...

Regional Finance

Director Credit Risk

Plano, TX · On-site

Mine, model, analyze large datasets, and utilize predictive modeling techniques with an emphasis on optimizing credit risk and marketing campaign performance using the following predictive modeling ...

Regional Finance Corp

Director Credit Risk

Plano, TX

Mine, model, analyze large datasets, and utilize predictive modeling techniques with an emphasis on optimizing credit risk and marketing campaign performance using the following predictive modeling ...

Power Finance Texas

Risk Management Analyst

Dallas, TX

$70K - $85K/yr

Develop and maintain risk models, reports, and dashboards to support decision-making * Monitor credit risk, operational risk, and compliance-related exposures * Collaborate with underwriting ...

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Credit Risk Modeling information

See Texas salary details

$25.1K

$95.5K

$179.8K

How much do credit risk modeling jobs pay per year?

As of Jun 8, 2026, the average yearly pay for credit risk modeling in Texas is $95,450.00, according to ZipRecruiter salary data. Most workers in this role earn between $64,198.00 and $114,326.00 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 Texas? The most popular types of Credit Risk Modeling jobs in Texas are:
What are popular job titles related to Credit Risk Modeling jobs in Texas? For Credit Risk Modeling jobs in Texas, the most frequently searched job titles are:
What job categories do people searching Credit Risk Modeling jobs in Texas look for? The top searched job categories for Credit Risk Modeling jobs in Texas are:
What cities in Texas are hiring for Credit Risk Modeling jobs? Cities in Texas with the most Credit Risk Modeling job openings:
Credit Risk Modeling jobs near you
Infographic showing various Credit Risk Modeling job openings in Texas as of May 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $95,450 per year, or $45.9 per hour.

Senior Credit Risk Modeling Analyst

TriQuest Business Services

San Antonio, TX • Hybrid

$115K/yr

Other

Posted 4 days ago

Job description

Job Title: Senior Credit Risk Modeling Analyst

Location: San Antonio, TX (Hybrid)
Salary: $115,000
Industry: Financial Services / Credit Risk

About the Role

We are seeking a highly analytical Senior Credit Risk Modeling Analyst to help build and lead the next generation of credit underwriting models within a growing financial institution. This is a ground-floor opportunity to bring credit risk modeling in-house, moving the organization from reporting-focused analytics to advanced, data-driven decisioning.

You will serve as the subject matter expert on a small team, owning the full model lifecycle-from development and validation to monitoring and optimization-while helping elevate the team's overall modeling capabilities.

Key Responsibilities

Model Development & Strategy

  • Design and develop credit risk models for loan underwriting using internal and external data
  • Lead major model refresh initiatives using historical application and performance data
  • Build decision-tree and predictive models to improve approval strategies and risk outcomes

Model Lifecycle Ownership

  • Own end-to-end model lifecycle: development, documentation, validation, and deployment
  • Monitor model performance and identify trends or deviations from expectations
  • Recommend and implement enhancements based on performance insights

Data & Tools

  • Work within Databricks using SQL and Python for data extraction, transformation, and modeling
  • Integrate internal datasets with third-party data sources (e.g., Experian)
  • Support model deployment within external platforms (e.g., PCOE / Strategy Design Studio)

Collaboration & Stakeholder Engagement

  • Partner with analysts to support reporting, testing, and monitoring efforts
  • Work with audit, risk, and leadership teams to defend model assumptions and decisions
  • Collaborate with external vendors on model implementation and optimization
  • Communicate complex modeling concepts to both technical and non-technical stakeholders
Qualifications
  • Bachelor's degree in Finance, Statistics, or a quantitative field (Master's preferred)
  • 5+ years of experience in credit risk modeling or similar quantitative role
  • Hands-on experience building and validating credit risk or underwriting models
  • Strong experience with SQL and Python (R or other tools a plus)
  • Experience working in a regulated financial environment (bank or credit union preferred)
  • Ability to explain and defend models under audit and regulatory review
  • Strong analytical thinking and problem-solving skills
Preferred Experience
  • Experience with Experian PCOE / Strategy Design Studio
  • Exposure to CECL or credit loss modeling frameworks
  • Experience integrating third-party credit bureau data into models
  • Background working with Databricks or similar data platforms
Work Environment & Culture
  • Hybrid schedule (~30% onsite; team works in-office on designated weeks)
  • Collaborative, high-growth environment with a small, developing team
  • Leadership style is hands-off, with strong support for removing roadblocks
  • Opportunity to shape and expand the organization's credit risk modeling function

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