Senior Lending Credit Risk Model Analyst
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Job Description
Senior Lending Credit Risk Model Analyst developing machine-learning solutions for credit outcomes and portfolio performance at H&R Block Financial Services. Collaborating across teams to solve business challenges.
Responsibilities:
- 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
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