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Credit Risk Modeling Jobs in Houston, TX (NOW HIRING)

Deloitte

Financial Risk Manager

Houston, TX

Credit Risk, Liquidity Risk, Market Risk, Capital Management/Stress Testing * Knowledge of financial services business models, products, and services * Experience in banking, digital assets, or ...

Bank OZK

Associate, CECL Analytics

Houston, TX · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

The position focuses on risk analysis, reporting, and understanding the Bank's data inputs for various credit risk models and support related programs such as CRE/Capital Stress Testing, Credit ...

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All JobsCredit Risk Modeling JobsCredit Risk Modeling Jobs in Houston, TX

Credit Risk Modeling information

See Houston, TX salary details

$118.3K

$137.9K

$178.1K

How much do credit risk modeling jobs pay per year?

As of Aug 15, 2026, the average yearly pay for credit risk modeling in Houston, TX is $137,857.00, according to ZipRecruiter salary data. Most workers in this role earn between $125,900.00 and $141,100.00 per year, depending on experience, location, and employer.

What is credit risk modeling?

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 credit risk modeling?

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 the typical daily responsibilities 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 Houston, TX?

The most popular types of Credit Risk Modeling jobs in Houston, TX are:

What are popular job titles related to Credit Risk Modeling jobs in Houston, TX?

For Credit Risk Modeling jobs in Houston, TX, the most frequently searched job titles are:

What job categories do people searching Credit Risk Modeling jobs in Houston, TX look for?

The top searched job categories for Credit Risk Modeling jobs in Houston, TX are:

What cities near Houston, TX are hiring for Credit Risk Modeling jobs?

Cities near Houston, TX with the most Credit Risk Modeling job openings:

Credit Risk Modeling jobs near you
Infographic showing various Credit Risk Modeling job openings in Houston, TX as of August 2026, with employment types broken down into 1% As Needed, 91% Full Time, 6% Part Time, and 2% Contract. Highlights an 87% Physical, 5% Hybrid, and 8% Remote job distribution, with an average salary of $137,857 per year, or $66.3 per hour.

Senior Credit Analyst

Stellantis Financial Services

Houston, TX • On-site

Full-time

Posted 19 days ago

Stellantis Financial Services rating

8.3

Company rating: 8.3 out of 10

Based on 8 frontline employees who took The Breakroom Quiz

Job description

Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.
Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience.
Position Summary:
The Sr. Credit Analyst evaluates credit and other relevant data to determine the credit risk of potential customers. Makes recommendations, issues approvals and declines credit requests in accordance with Stellantis Financial Services (SFS) credit risk policies, compliance guidelines, and profitability models.
This is a hybrid position. Must have reliable transportation and live within a commutable distance to Houston, TX.
Duties & Responsibilities:
  • Review and evaluate all credit reports in commonly used formats as well as any format unique to SFS
  • Accurately apply credit policies, in accordance with FCRA, across multiple product lines for various loan types
  • Manage exceptions to published credit authority using judgment and experience to produce risk outcomes within company expectations
  • Complete final disposition on credit applications or forwards to appropriate level of authority for final approval
  • Make outbound and handle inbound calls to negotiate final terms of contracts with both our dealer customer and the Dealer Relationship Manager (DRM)
  • Assist with escalated calls from Dealers and DRMs who are unhappy about a credit decision. Re-evaluate decisions and handle professionally to maintain a positive relationship
  • Participate in targeted outbound call campaigns as time permits, in coordination with the DRMs in an effort to cultivate long-term dealer relationships
  • Work directly with the Funding department and DRMs to resolve credit and verification issues that arise in funding
  • Provide guidance, training, and mentorship to junior level associates within the department
  • Maintain confidentiality of personal information for consumers, including, but not limited to, Social Security numbers, and dates of birth
  • Other duties may be assigned

Qualifications & Competencies: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Experience:
  • Minimum 3 years' auto industry experience as a credit analyst or related automotive disciplines

Education:
  • High school diploma and or/GED

Skills Required:
  • Ability to read, analyze and interpret industry specific periodicals, technical manuals, and government regulations
  • Effective communication and interpersonal skills
  • Ability to calculate figures and amounts relative to discounts, interest, commissions, proportions, percentages, volume, installment contracts, and interpret paycheck information
  • Ability to derive conclusions and make recommendations beyond the scope of written policies or standard guidelines
  • Proficient in using Microsoft Office Suite
  • Ability to handle high call and application volumes and manage competing demands

Overtime: Required on an as needed basis
Travel: 0-10% as required on an as needed basis
Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Sitting for long periods of time, standing, walking, close vision for computer work, speaking, hearing, lift and/or move up to 10 lbs. Reasonable accommodation will be reviewed upon request.
Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.

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