Senior Lending Credit Risk Model Analyst

🕒 July 24

🏰 Missouri – Remote

🏰 Missouri – Remote

💵 $100.4k - $150.6k / year

⏰ Full Time

🟠 Senior

🧐 Analyst

👻 Ghost score 45%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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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 application, bureau, tax, and performance datasets using Python and SQL • Uncover risk insights and portfolio trends • Develop predictive models, segmentation, and analytics for default risk, customer behavior, and portfolio actions • Conduct 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 • Support model governance, documentation, explainability, and continuous data quality improvement • Partner with Product, Risk, Engineering, Finance, and Operations on high-impact business challenges

🎯 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, including logistic regression, tree-based models, and 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 • Experience with underwriting, account management, collections, fraud, or credit risk strategy preferred • Familiarity with cloud data platforms, modern analytics stacks, or ML deployment processes preferred • Exposure to model monitoring, validation, documentation, or governance workflows preferred • Master’s degree in a quantitative discipline preferred

🏖️ Benefits

• Medical and prescription drug coverage for associates and eligible dependents • H&R Block Retirement Savings Plan (401(k) Plan) • Employee Assistance Program • (Virtual) fitness center programs • Associate discount program • Business Travel Accident Insurance • Associate Tax Prep benefit • Competitive pay • Comprehensive benefits • Support for life both in and outside of work • Continuous learning • Incentive compensation or short-term incentive plans may provide additional earnings