Senior Lending Credit Risk Model Analyst

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🔥 7 minutes ago

🏰 Missouri – Remote

🏰 Missouri – Remote

💵 $100.4k - $150.6k / year

⏰ Full Time

🟠 Senior

🧐 Analyst

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H&R Block

WebsiteLinkedInAll Job Openings

10,000+ employees

Founded 1955

💸 Finance

👥 B2C

🤝 B2B

Finance • B2C • B2B

H&R Block is a U. S. -based tax preparation and financial services company that provides in-person and online tax filing, tax professionals, small business bookkeeping and payroll, and related financial products such as refund advances and prepaid cards. Founded in 1955, it operates retail tax offices, franchises, and digital platforms to serve consumers and small businesses with tax, accounting, and financial solutions.

📋 Description

• Build and maintain credit risk models, scorecards, and analytical frameworks supporting underwriting, account management, and portfolio monitoring • Analyze large, complex datasets (application, bureau, tax, and performance data) using Python and SQL to uncover risk insights and portfolio trends • Develop predictive models, segmentation, and analytics for default risk, customer behavior, and portfolio actions, including experimentation and strategy tests • Partner with engineering and MLOps teams to productionize models, improve data pipelines, and support ongoing monitoring and performance tracking • Deliver clear, decision-ready insights to stakeholders while supporting model governance, documentation, explainability, and continuous data quality improvement

🎯 Requirements

• 5+ years of experience in data science, risk analytics, or quantitative analytics with hands-on model development and deployment • Strong foundation in predictive modeling and applied statistical methods (e.g., logistic regression, tree-based models, clustering) • Experience in consumer credit, fintech, banking, or another regulated financial services environment • Proficiency in Python and SQL for data analysis, modeling, and automation • Working knowledge of consumer credit concepts such as underwriting, delinquency, losses, or portfolio performance • Ability to communicate analytical findings clearly and influence decisions across technical and non-technical partners

🏖️ Benefits

• Qualifying associates can enroll themselves and/or their eligible dependents in medical and prescription drug coverage • Participate in the H&R Block Retirement Savings Plan (401(k) Plan) • Employee Assistance Program • (virtual) fitness center programs • Associate discount program • Automatically enrolled in Business Travel Accident Insurance • Receive Associate Tax Prep benefit