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Hourly Credit Risk Modeling Jobs in Atlanta, GA (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 · On-site

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

Support and maintain forecasting and risk models, including multi-year funding forecasts and ... Associates that are considered full-time hourly or commission/incentive eligible: * To earn up to ...

Carmax

Analyst II, Credit Risk

Kennesaw, GA · On-site

$70K - $105K/yr

Support and maintain forecasting and risk models, including multi-year funding forecasts and ... Associates that are considered full-time hourly or commission/incentive eligible: * To earn up to ...

CarMax, Inc.

Analyst II, Credit Risk

Kennesaw, GA · On-site

Support and maintain forecasting and risk models, including multi-year funding forecasts and ... Associates that are considered full-time hourly or commission/incentive eligible: * To earn up to ...

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

Owning P&L responsibilities by developing forecast models and successfully steering the business to ... Associates that are considered full-time hourly or commission/incentive eligible: * To earn up to ...

Carmax

Director, Credit Risk & Analytics

Atlanta, GA

Owning P&L responsibilities by developing forecast models and successfully steering the business to ... Associates that are considered full-time hourly or commission/incentive eligible: * To earn up 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 JobsHourly Credit Risk Modeling JobsHourly Credit Risk Modeling Jobs in Atlanta, GA

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 Atlanta, GA? The most popular types of Credit Risk Modeling jobs in Atlanta, GA are:
What are popular job titles related to Hourly Credit Risk Modeling jobs in Atlanta, GA? For Hourly Credit Risk Modeling jobs in Atlanta, GA, the most frequently searched job titles are:
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Hourly Credit Risk Modeling jobs near you

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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