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Hourly Credit Risk Modeling Jobs in Texas (NOW HIRING)

Braviant Holdings

Senior Credit Risk Analyst

Dallas, TX · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Strong experience with Python for data analysis and modeling * Working knowledge of credit risk concepts: scorecards, vintage analysis, delinquency curves, loss forecasting * Ability to communicate ...

USAA

Director, Bank Credit Risk - Retail Banking

Plano, TX

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

May have model ownership responsibilities and drive accountability for quantitative model ... Demonstrated experience proposing credit risk changes, evaluation and recommendation of new models ...

New

HSBC Global Services Limited

  • Medical

  • Life

  • Retirement

  • PTO

Proactively identify emerging risks (market, sector, model, correlation, concentration, liquidity ... Risk appetite and governance: Contribute to risk appetite calibration, deal guidelines, portfolio ...

DTCC

Counterparty Credit Risk Senior Associate

Coppell, TX · On-site

  • Medical

  • Life

  • Retirement

  • PTO

DTCC offers a flexible/hybrid model of 3 days onsite and 2 days remote (onsite Tuesdays, Wednesdays ... Counterparty Credit Risk is primarily responsible for assessing the financial stability of DTCC ...

T-Mobile USA, Inc.

Analyst, Credit Risk Mgmt - Strategy

Frisco, TX · On-site

$76K - $137K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Develop predictive financial and analytical models using the appropriate statistical methodologies ... credit risk management or comparable process management experience * Graduate degree in a ...

S&P Global

Senior Credit Product Specialist

Dallas, TX

  • Medical

  • Retirement

You will engage in discussions ranging from foundational credit risk concepts to enterprise-wide, multi-product analytical solutions involving quantitative modeling, regulatory compliance, workflow ...

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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 Texas?

The most popular types of Credit Risk Modeling jobs in Texas are:

What are popular job titles related to Hourly Credit Risk Modeling jobs in Texas?

For Hourly Credit Risk Modeling jobs in Texas, the most frequently searched job titles are:

What job categories do people searching Hourly Credit Risk Modeling jobs in Texas look for?

The top searched job categories for Hourly Credit Risk Modeling jobs in Texas are:

What cities in Texas are hiring for Hourly Credit Risk Modeling jobs?

Cities in Texas 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 Texas as of August 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution.

Senior Credit Risk Analyst

Braviant Holdings

Dallas, TX • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 7 days ago

Job description

Title: Senior Credit Risk Analyst
Function: Credit Risk
Reports to: Head of Credit
Level: Mid-Level / Senior
Location: Addison, TX (5 days/week in-office)
Please note: This position is open to candidates within commuting distance to the DFW metro area only. Applicants must reside in Texas and be authorized to work in the United States. Applications from candidates outside of Texas will not be considered at this time. While we appreciate interest from all applicants, Braviant Holdings is unable to sponsor visas at this time.
Who We Are
Founded in 2015 and based in Chicago, IL, privately held Braviant Holdings, LLC is a leading provider of tech-enabled consumer credit products that combine breakthrough technology and cutting-edge machine learning to transform how people access credit online. Our next-generation approach to lending reduces credit barriers and creates a Path to Prime®, helping millions of underbanked consumers build credit history, reduce their cost of borrowing, and take control of their personal finances. Braviant has been named multiple times to the Inc. 5000 list of fastest growing private companies and has been recognized as a Best Place to Work.
We are a lean team of approximately 40 people. Everyone rolls up their sleeves here, including this role.
Position Summary
The Senior Credit Risk Analyst supports the full credit risk lifecycle at Braviant, from originations strategy and underwriting analytics to portfolio monitoring and loss forecasting. This is a highly technical, execution-focused role for someone who is equally comfortable writing production SQL/Python, building a segmentation strategy, and presenting findings to senior leadership. You will work directly with the Head of Credit to develop and refine the risk strategies that drive portfolio performance across our direct mail and digital lending channels.
This is a hands-on, high-impact role suited for someone who is analytical, detail-oriented, and biased toward action, not just case review.
What You'll Be Doing
  • Track and analyze key portfolio metrics including FPD, GNS, delinquency roll rates, and D2M performance across origination cohorts and risk segments
  • Build and maintain dashboards and recurring reporting that surface early warning signals and portfolio trends
  • Conduct vintage analysis, loss curve development, and cohort-level performance reviews to support monthly and quarterly business reviews
  • Support the design and evaluation of originations strategies, score cutoffs, and underwriting policy changes across DM and digital channels
  • Analyze the performance impact of ongoing A/B tests and pricing experiments, translating results into actionable recommendations

What You Will Bring
Required
  • 3 to 5 years of experience in credit risk, consumer lending analytics, or a closely related quantitative role
  • Strong SQL skills; you write complex queries without a template
  • Strong experience with Python for data analysis and modeling
  • Working knowledge of credit risk concepts: scorecards, vintage analysis, delinquency curves, loss forecasting
  • Ability to communicate analytical findings clearly to non-technical stakeholders

Preferred
  • Experience in subprime consumer lending, fintech, payments, or another regulated financial services technology environment.
  • Familiarity with credit decisioning, underwriting strategy, or fraud detection
  • Experience working in a regulated financial services environment
  • Exposure to A/B testing, experimentation frameworks, or champion/challenger strategies

Benefits & Perks
Compensation at Braviant is competitive and commensurate with experience. Details will be discussed with qualified candidates during the interview process. In addition, we provide:
  • Comprehensive healthcare including medical, dental, and vision coverage
  • Generous paid time off, including PTO, sick time, and 13 company holidays
  • 401(k) with company contribution
  • Participation in annual discretionary bonus plan
  • Regular team and company gatherings

Braviant is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, marital status, veteran status, disability status, or any other characteristic protected by applicable law.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

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