{"id":778291,"url":"https://alion.io/job/idbny-credit-risk-analytics-modeling","title":"Credit Risk Analytics & Modeling","company":{"id":678464,"name":"IDB Bank","domain":"idbny.com","url":"https://alion.io/company/idbny","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":{"grade":"B","score":70,"open_postings":22,"ghost_share":0.5,"stale_share":0,"repost_share":0,"time_to_fill_p50_days":null,"computed_at":"2026-10-15T05:46:00Z"}},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["New York, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":100000,"max_usd":224000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":6601},"experience_years_min":7,"visa_sponsorship":true,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Microsoft Excel","optional":false},{"name":"Power BI","optional":false},{"name":"Python","optional":false}],"status":"live","first_seen_at":"2026-06-02T15:09:47Z","employer_posted_date":"2026-06-17","last_verified_at":"2026-10-15T22:01:42Z","board_verified":true,"closed_at":null,"days_open":135,"trust":{"level":"ghost","repost_count":0,"flags":["stale","company_stale"],"days_open":134},"description":"First Vice President, Credit Risk Analytics & Modeling\nDepartment: Risk Management / Credit Risk Management\nLocation: New York, NY (Hybrid - 3 days in office)\nEmployment Type: Full-time\nReports to: Head of Credit Risk Analytics & Modeling\nVisa Sponsorship: Not available\nAbout IDB Bank\nFor more than 70 years, IDB Bank has been committed to delivering exceptional service and building long-term client relationships through disciplined banking, strong partnership, and a high-touch approach. As a growing commercial bank, IDB offers the opportunity to work in a collaborative, entrepreneurial environment where talented professionals can make a visible impact and help shape the future of the institution.\nThe Opportunity\nIDB Bank is seeking an experienced credit risk professional to join its Credit Risk Analytics & Modeling team in a high-impact role supporting the continued evolution of the bank’s wholesale credit risk framework. This position is ideal for a candidate who combines deep quantitative and modeling expertise with a practical, business-oriented mindset and a passion for building scalable solutions in a growth-oriented institution.\nThe successful candidate will play a central role in the ownership, enhancement, and governance of the bank’s internal and vendor credit risk models, including risk rating scorecards, expected loss implementation, override monitoring, portfolio analytics, and credit stress testing. This individual will partner closely with stakeholders across Credit, Finance, Technology, and Data Governance to strengthen analytics, automate processes, and improve the quality, transparency, and usability of model outputs across the organization.\nThis is an excellent opportunity for a hands-on credit risk modeling leader who wants to bring energy, judgment, and modern analytical thinking to a smaller institution where meaningful contributions are visible and create immediate impact.\nKey Responsibilities\nCredit Risk Model Ownership & Analytics\nServe as the subject matter expert for the bank’s wholesale credit risk rating and scorecard models, helping ensure consistent, effective use across underwriting, monitoring, and portfolio management activities. Lead enablement for model users (training sessions, job aids, interpretation guidance, vendor tool upgrades), improving consistency and decision quality.\nMaintain, test, monitor, and enhance internal and vendor-supported credit risk models, with a focus on model performance, applicability, transparency, and business usability.\nDesign and implement reporting and analytics to support portfolio Expected Loss execution, model override monitoring, and portfolio risk insights generation.\nModel Lifecycle Management, Governance & Validation\nLead annual model maintenance activities and support the full model lifecycle, including monitoring, documentation, change management, issue remediation, and user guidance.\nCoordinate annual validation efforts with third-party validators by explaining methodologies, processes, assumptions, and monitoring results, and by managing the resolution of findings and recommendations.\nEnhance monitoring and governance practices to ensure that model oversight is not only compliant, but also practical, efficient, and informative for decision-makers.\nScorecard Development & Portfolio Stress Testing\nLead the refit and, where appropriate, redevelopment of credit scorecards for the Commercial & Industrial, Commercial Real Estate and Private Banking portfolios.\nElevate the bank’s credit portfolio stress testing framework, methodologies, and reporting to support stronger portfolio management, concentration analysis, and risk oversight.\nContribute to the ongoing development of value-added portfolio analytics that enhance the bank’s risk-return framework and support more informed credit decisions.\nData, Technology & Process Improvement\nDefine business data requirements and partner with Technology and Data Governance teams to improve credit risk data aggregation, reporting, controls, and analytics infrastructure.\nUse analytical tools and automation techniques to reduce manual processes, strengthen controls, and increase the consistency and repeatability of reporting and model monitoring outputs.\nIdentify opportunities to improve workflows, enhance transparency, and bring structure to evolving processes within a growing institution.\nCross-Functional Partnership & Communication\nAct as a trusted partner to stakeholders across Risk, Front Office, Finance, Technology, Loan Operations, and related functions to gather information, align priorities, and deliver high-quality solutions.\nSupport internal audit, external review, due diligence, and regulatory-facing requests through clear documentation, analytical support, and effective communication of model methodologies and key findings.\nPresent model outputs, portfolio insights, and technical concepts in a clear and concise way to senior stakeholders, including senior management, external vendors, and regulators.\nQualifications\nRequired\n7-10+ years of hands-on experience in credit risk modeling, analytics, model governance, or a closely related quantitative risk function within a financial institution or consulting environment.\nStrong experience across the credit model lifecycle, including development, testing, monitoring, maintenance, validation support, and implementation. Familiarity with model risk management expectations and governance frameworks, including SR 11-7 -aligned practices.\nDeep understanding of wholesale credit risk, including Commercial / Corporate Banking and Commercial Real Estate exposures, and the relevant credit risk drivers and portfolio metrics (e.g., PD, LGD, DSCR, LTV, NOI).\nExperience with credit risk rating models and scorecards, including internal frameworks and/or vendor solutions such as Moody’s CreditLens®, RiskCalc, CMM, dual risk ratings, and specialty scorecards.\nStrong analytical and technical toolkit, including advanced Excel, PowerPoint, Power Query, and experience with analytics / programming tools such as Python; experience with Power BI is strongly preferred.\nDemonstrated ability to work independently, prioritize effectively, and manage multiple deliverables and stakeholders in a dynamic environment.\nExcellent written and verbal communication skills, with the ability to translate technical model concepts into actionable business insights.\nBachelor’s degree in Finance, Economics, Statistics, Mathematics, Data Science, or another quantitative discipline.\nPreferred\nExperience automating monitoring, reporting, or model-related processes in a banking or regulated financial services environment.\nProfessional certifications such as FRM, CFA, or related credentials are a plus.\nWhat Makes This Role Compelling\nThis role offers the opportunity to join a growing commercial bank where credit risk analytics and modeling are increasingly important to the institution’s strategy and risk framework. Unlike highly segmented roles at larger organizations, this position offers meaningful ownership across model oversight, scorecard enhancement, stress testing, automation, governance, and stakeholder engagement. For the right candidate, it is an opportunity to bring both technical depth and practical leadership to a team that values initiative, collaboration, and solutions that drive measurable impact.\nCompensation\nThe expected annual salary for this position is between $170,000 - $210,000 at the start of employment. A salary offer will be determined on an individualized basis, taking into consideration factors such as experience, skills, and qualifications. In addition to base salary, IDB Bank offers a comprehensive total rewards package, including annual bonus eligibility, medical, dental, vision, life and disability coverage, employee wellness programs, retirement and savings plans with employer contributions, generous bank holidays and paid time off, parental leave, and tuition reimbursement.\nEqual Opportunity / Additional Information\nThe above statements are intended to describe the general nature and level of work being performed by individuals assigned to this position and are not intended to be an exhaustive list of all responsibilities, duties, and skills required. Responsibilities may evolve over time based on business needs. All qualified applicants will receive consideration for employment in accordance with applicable federal, state, and local laws and regulations. Physical presence in IDB Bank’s office(s) is an essential function of this role, subject to reasonable accommodations where required by law.\nKindly review our Privacy Notice and GLBA Consumer Privacy Notice.","description_format":"text","description_chars":8673,"description_truncated":false,"requirements":{"experience_years_min":7,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["Parental leave","Retirement plans","Wellness"],"hiring_locations":[{"name":"United States","iso":"US","kind":"region"},{"name":"Argentina","iso":"AR","kind":"region"},{"name":"Brazil","iso":"BR","kind":"region"},{"name":"Canada","iso":"CA","kind":"region"},{"name":"Colombia","iso":null,"kind":"region"},{"name":"Mexico","iso":"MX","kind":"region"},{"name":"Anguilla","iso":null,"kind":"region"},{"name":"Antigua and 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