Credit Risk Data Scientist II

ABOUT US

Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation.

At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we’d love to meet you.

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OVERVIEW

Responsible for managing and overseeing the development, validation, and performance of internal credit risk models for the CCBX consumer portfolios and providing oversight of CCBX Partner models. These models are critical for credit loss forecasting, credit decisioning, risk management, and regulatory compliance. The role requires technical expertise, strong analytical skills, and deep knowledge of credit risk modeling, data science, and regulatory requirements.

RESPONSIBILITIES TO INCLUDE

• Proficiently oversees the development, validation, and performance monitoring of all credit risk models used for decision-making, risk management, or regulatory reporting.
• Shows expert level proficiency in credit risk modeling & data science techniques (e.g., statistical, econometric, or machine learning methods) used for loss forecasting, credit decisioning, and other use cases.
• Proficiency in statistical software and tools such as R, Python, SAS, SQL, or other modeling and data analysis platforms.
• Has a strong business knowledge of consumer credit, including credit cards, personal loans, unsecured lending
• Manage the model governance framework, ensuring effective control processes