Credit Risk Data Scientist II

Job not on LinkedIn

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $130.1k - $162.7k / year

⏰ Full Time

🟠 Senior

🔴 Lead

📊 Data Scientist

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Coastal

WebsiteLinkedInAll Job Openings

201 - 500 employees

🏦 Banking

💳 Fintech

🤝 B2B

Banking • Fintech • B2B

Coastal is a community bank (Coastal Community Bank) serving the North Puget Sound region that provides personal and business banking products and services. It operates local branches and ATMs while offering checking and savings accounts, home and business loans, treasury management, credit card processing, and online/mobile banking features (including mobile deposit, Zelle, and a mobile app). Coastal also supports embedded finance and fintech partnerships through technology offerings like ZSuite and a CCBX division, emphasizes fraud/security, compliance, and FDIC-insured deposit services (including IntraFi), and markets both consumer and B2B financial solutions.

📋 Description

• Oversee development, validation, and performance monitoring of credit risk models used for decision-making, risk management, and regulatory reporting • Provide oversight of CCBX Partner models • Apply statistical, econometric, and machine learning methods to loss forecasting, credit decisioning, and related use cases • Manage the model governance framework and control processes for model development, production, and validation • Assess model performance, conduct back testing, and make adjustments when necessary • Manage data integrity, data quality, and data management issues affecting model inputs and outputs • Develop and implement policies and procedures to monitor and validate credit risk models • Ensure credit modeling and data science activities align with the organization’s risk appetite and strategic goals • Communicate and present findings to internal and external stakeholders, including senior management, auditors, and regulators • Provide leadership during project planning, execution, reporting, and follow-up on action plans • Perform the physical and office-equipment duties required for the role, including extended computer use

🎯 Requirements

• Bachelor’s degree in quantitative finance, Economics, Statistics, Mathematics, Data Science, Computer Science, or a related field • 7+ years of experience in credit risk modeling, model development, validation, model risk management, or forecasting techniques • Proven experience with credit risk modeling for Expected Loss (EL) using PD, LGD, and EAD modeling framework • Experience in modeling oversight, governance, or validation within banking, financial services, or consulting • Deep expertise with machine learning, data science, and statistical techniques for credit loss forecasting models • Experience with CECL modeling, implementation, and production of quantitative and qualitative components • Prior experience with machine learning, data science, and statistical modeling • Proficiency in R, Python, SAS, SQL, or other modeling and data analysis platforms • Strong business knowledge of consumer credit, including credit cards, personal loans, and unsecured lending • Strong understanding of CECL, stress testing, loss forecasting, and macroeconomic scenario analysis • Familiarity with Basel III, IFRS 9, CCAR, Dodd-Frank, and other regulatory frameworks • Prior experience with regulatory stress testing models such as CCAR/DFAST or impairment models such as IFRS 9 • Strong communication and presentation skills for interaction with senior management, auditors, regulators, and other stakeholders • Ability to work without employment sponsorship

🏖️ Benefits

• Medical Coverage: Choose from three competitive medical plans • Health Savings Account (HSA) with tax advantages and employer contributions • Flexible Spending Accounts (FSA) for healthcare and dependent care expenses • Dental and Vision Insurance • Company-paid basic life insurance, with options to purchase additional coverage • Long-Term /Short-Term Disability (LTD) • Supplemental Benefits including Hospital Indemnity, Accident Insurance, and Critical Illness coverage • 401(k) Retirement Plan with company matching • Generous vacation and sick leave policies • 11 paid holidays throughout the year • Equal opportunity workplace and reasonable accommodations for individuals with disabilities