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Hourly Credit Risk Modeling Jobs in Florida (NOW HIRING)

BNY

Senior Vice President, Credit Risk

Lake Mary, FL · On-site

$143K - $190K/yr

... models. Contribute to development of risk management systems. Develop or implement risk-assessment ... Perform Credit Analysis & Approval/Portfolio Management by completing complex analyses of industry ...

BNY

Senior Vice President, Credit Risk

Lake Mary, FL · On-site +1

$143K - $190K/yr

... models. Contribute to development of risk management systems. Develop or implement risk-assessment ... Perform Credit Analysis & Approval/Portfolio Management by completing complex analyses of industry ...

BNY Mellon

Senior Vice President, Credit Risk

Lake Mary, FL · On-site

$143K - $190K/yr

... models. Contribute to development of risk management systems. Develop or implement risk-assessment ... Perform Credit Analysis & Approval/Portfolio Management by completing complex analyses of industry ...

Td

Risk Manager I (US)

Jacksonville, FL

$91K - $136K/yr

... models throughout origination process and pricing strategy ... Validate and enhance strategy structure such as Credit Tier to meet business goals; quantify ...

Seminole Gaming

Director, Casino Credit

Tampa, FL · On-site

Ensures consistent application of credit policies, risk tolerance, and approval authority ... Acts as a role model and reinforces organizational values across all properties. * Leads training ...

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Hourly Credit Risk Modeling information

What is hourly credit risk modeling?

Hourly credit risk modeling is the process of assessing and predicting the likelihood of a borrower defaulting on their financial obligations, with risk evaluated and updated on an hourly basis. This approach is often used by financial institutions and fintech companies that require real-time credit risk analysis for instant lending decisions or ongoing portfolio monitoring. By utilizing real-time data and advanced analytics, hourly credit risk modeling enables lenders to respond quickly to changes in a borrower's financial behavior or external market conditions. This leads to more accurate risk assessments and helps institutions manage their exposure more effectively.

What is the difference between Hourly Credit Risk Modeling vs Credit Analyst?

AspectHourly Credit Risk ModelingCredit Analyst
Primary FocusDeveloping and implementing credit risk models to assess borrower riskAnalyzing credit data to evaluate creditworthiness of individuals or companies
Required SkillsStatistical analysis, modeling, programming, financial analysisFinancial analysis, credit report review, communication skills
Work EnvironmentFinancial institutions, consulting firms, often project-basedBanks, lending institutions, credit departments
CertificationsOften requires CFA, FRM, or similar certificationsTypically requires finance or accounting degrees; certifications like CFA are common

Hourly Credit Risk Modeling involves creating quantitative models to predict credit risk, often requiring advanced statistical and programming skills. Credit Analysts focus on evaluating individual credit data to make lending decisions. While both roles require financial knowledge and may share certifications, their core responsibilities differ: one is model development, the other is credit evaluation.

What are the key skills and qualifications needed to thrive as an Hourly Credit Risk Modeler, and why are they important?

To thrive as an Hourly Credit Risk Modeler, you need strong quantitative skills, a background in finance, economics, mathematics, or statistics, and experience with credit risk principles. Familiarity with statistical software such as SAS, R, or Python, as well as knowledge of risk modeling frameworks and regulatory requirements, is typically required. Analytical thinking, attention to detail, and effective communication are crucial soft skills for interpreting data and presenting findings to stakeholders. These skills are essential for accurately assessing credit risk, supporting sound decision-making, and ensuring regulatory compliance in financial institutions.

How does an Hourly Credit Risk Modeling professional typically collaborate with other departments within a financial institution?

Hourly Credit Risk Modeling professionals often work closely with teams such as underwriting, data analytics, and IT to ensure credit risk models are accurate and actionable. They may participate in cross-functional meetings to discuss model performance, share insights from data analysis, and implement feedback from business stakeholders. Collaboration is key, as their models directly influence lending decisions, risk management strategies, and regulatory compliance. Regular communication with colleagues helps ensure that risk models stay aligned with evolving business needs and regulatory requirements.
What are the most commonly searched types of Credit Risk Modeling jobs in Florida? The most popular types of Credit Risk Modeling jobs in Florida are:
What are popular job titles related to Hourly Credit Risk Modeling jobs in Florida? For Hourly Credit Risk Modeling jobs in Florida, the most frequently searched job titles are:
What job categories do people searching Hourly Credit Risk Modeling jobs in Florida look for? The top searched job categories for Hourly Credit Risk Modeling jobs in Florida are:
What cities in Florida are hiring for Hourly Credit Risk Modeling jobs? Cities in Florida with the most Hourly Credit Risk Modeling job openings:
Hourly Credit Risk Modeling jobs near you
Infographic showing various Hourly Credit Risk Modeling job openings in Florida as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution.
Senior Data Scientist - Credit Risk Modeler

Senior Data Scientist - Credit Risk Modeler

JM Family Enterprises

Deerfield Beach, FL • On-site

Full-time

Re-posted 28 days ago

JM Family Enterprises rating

9.1

Company rating: 9.1 out of 10

Based on 15 frontline employees who took The Breakroom Quiz

3rd of 144 rated car dealerships

Job description

The Senior Data Scientist - Credit Risk Modeler will work in the Analytics Department of Southeast Toyota Finance (SETF), which is part of JM Family Enterprises. They will lead the development, validation, and implementation of CECL models and frameworks at the account level.
This individual will need to have a solid statistical, mathematical and programming skills with experience in credit risk modeling. This role requires cross-functional collaboration with partner teams such as Finance and Accounting to ensure accurate estimation of credit losses.
This position operates in a hybrid work model based in Deerfield Beach, FL (3 days per week onsite).
Responsibilities:
  • Lead the development and implementation of account-level loss forecasting models- Probability of Default, Exposure at Default, Loss Given Default, Prepay curves or models, and other forward-looking credit risk models.
  • Develop and maintain documentation, code, and implementation documents in compliance with best practices and standards.
  • Perform back testing and benchmarking exercises to ensure model accuracy and robustness.
  • Conduct assessments for overlays/adjustments and maintain accurate documentation in accordance with best practices and standards.
  • Analyze large datasets in a panel framework with the ability to perform sampling, exploratory analysis, outlier analysis, standardization, data transformation, and segmentation analysis.
  • Conduct stress testing, scenario analysis and sensitivity testing.
  • Proficiently communicate complex technical concepts to stakeholders.
  • Work on end-to-end modeling processes, including data procurement, model estimation, implementation and deployment, and monitoring and testing.
  • Provide insights from the models and modeling exercises to support business risk management and strategies.
  • Track the portfolio in detail. Analyze and report on the findings. Provide forecasts. Provide detailed explanatory analysis and make recommendations to senior management; Proactively identifying risks and opportunities based on current trends and future outlooks.
  • Collaborate with cross-functional teams, including accounting, finance, risk, and other company stakeholders.

Qualifications:
  • A master's or Ph.D. degree in statistics, data science, operations research, mathematics, and/or other quantitative analysis is required
  • 5+ years of financial, credit risk, and analytics resource management; indirect automotive lending experience and/or consumer lending preferred.
  • Minimum of 5 years of statistical modeling and/or quantitative analysis experience
  • Experience in using Python, SAS, R, or any comparable statistical or data extraction software is preferred.
  • Experience managing advanced modeling projects and collaborating well with other team members.
  • Well-developed interpersonal and communication skills (verbal and written)
  • Ability to diplomatically communicate findings across departments and to upper management.
  • Ability to successfully operate with multiple priorities and changing directives. Self-motivated with the ability to anticipate department needs, discern work priorities, and meet deadlines.
  • Forward thinker who actively seeks opportunities and proposes solutions.
  • Must be a highly detailed process-driven individual who demonstrates success at building trust and influence while driving for results with and through people.

#LI-AM1
This job description may not be inclusive of all assigned duties, responsibilities, or aspects of the job described, and may be amended at any time at the sole discretion of JM Family. All work arrangements are subject to associate performance, business need and manager discretion, and may be revised as necessary.
JM FAMILY IS PROUD TO BE AN EQUAL OPPORTUNITY EMPLOYER
JM Family Enterprises, Inc. is an Equal Employment Opportunity employer. We are committed to recruiting, hiring, retaining, and promoting qualified associates without regard any characteristic protected by law - whether actual or perceived - including race, color, creed, religion, national origin, ancestry, citizenship status, age, sex or gender (including pregnancy, childbirth, related medical conditions and lactation), gender identity gender expression, sexual orientation, marital status, military service, veteran status, disability, protected medical condition as defined by applicable state or local law, genetic information, or any other characteristic protected by applicable federal, state, provincial, or local law.
DISABILITY ACCOMMODATIONS
If you have a disability and require a reasonable accommodation to complete the job application process, please contact JM Family's Talent Acquisition department at talentacquisition@jmfamily.com for assistance. If you have an accommodation request for one of our recruiting events, please notify us at least 72 hours prior so that we may provide assistance.

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