Credit Model Validation Manager Jobs

Gestalte die Transformation im Kreditgeschäft durch fundierte Business-Analyse, Prozessoptimierung und wirkungsvolle Unterstützung in der Umsetzung. Deine Rolle Als Senior Consultant – Business Analyst im Bereich Credit & Capital Management übernimmst Du eine zentrale Rolle bei der Umsetzung komplexer Transformationsinitiativen für führende Finanzinstitute. Du nutzt Deine Expertise entlang des gesamten Kreditprozesses, um Anforderungen zu analysieren, Zielprozesse zu gestalten und Geschäftsanforderungen in umsetzbare Lösungen zu übersetzen. Die Rolle verbindet fachliche Analyse mit enger Zusammenarbeit über Business-, Technologie-, Risiko- und Operations-Teams hinweg. Deine Aufgaben Analyse und Dokumentation von Geschäftsanforderungen entlang der Kreditprozesse (Origination, Bewertung, Entscheidung, Abwicklung, Monitoring und Restrukturierung) Entwicklung von Fachkonzepten, Prozessmodellen, User Stories und funktionalen Spezifikationen für Initiativen im Kredit- und Kapitalmanagement Übersetzung fachlicher Anforderungen in klare technische Spezifikationen, insbesondere in den Bereichen Daten, Workflows und Systemintegration Zusammenarbeit mit interdisziplinären Teams zur Verbesserung von Effizienz, Kontrollmechanismen und Nutzererlebnis Unterstützung der Umsetzung in Wasserfall- und agilen Projekten, einschließlich Testing, UAT-Koordination und Stakeholder-Abstimmung Dein Profil Mehrjährige Erfahrung als Business Analyst im Finanzdienstleistungsumfeld, idealerweise im Kredit-, Lending- oder Firmenkundengeschäft Fundiertes Verständnis von Kreditprozessen, einschließlich Financial Spreading, Risikobewertung, Kreditgenehmigung, Sicherheiten, Limiten und Monitoring Erfahrung in Transformationsprojekten mit Fokus auf Kreditprozesse, Operating Models oder unterstützende Technologiesysteme Kenntnisse regulatorischer und risikobezogener Themen im Kredit- und Kapitalmanagement (z. B. Basel, IFRS 9, interne Kreditrichtlinien) Ausgeprägte Kommunikations-, Analyse- u

About Ramp Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. About the Role We’re looking for a Senior Applied Scientist to help drive the future of credit applied science at Ramp. In this role, you will design, build, and optimize the models that power our credit risk systems, helping us make faster, smarter, and more scalable risk decisions for our customers. You’ll work at the intersection of machine learning, statistics, economics, and product strategy. This role requires strong technical depth as well as close collaboration with business, product, data, and engineering partners. You will help identify high-impact opportunities, translate ambiguous business problems into rigorous modeling work, and ship models that operate reliably in production. Applied scientists at Ramp focus on solving quantitative problems across credit, fraud, growth, and our core product by applying the right mix of machine learning, causal inference, structural modeling, and optimization. What You'll Do Design, build, and optimize machine learning models that support credit risk decisioning and portfolio management at Ramp Own the

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The role: We are looking for a highly motivated and experienced Finance Business Partner to join our growing Strategic Finance team. Strategic Finance shapes SoFi’s capital allocation strategy by assessing investment opportunities, framing key trade-offs, and prioritizing resources against the company’s most important growth objectives. As a key business partner, you will provide financial leadership and strategic insights to two of SoFi's most critical and rapidly growing business lines: SoFi Checking & Savings and SoFi Credit Card. SoFi is an AI-forward organization, and you will be expected to responsibly use our suite of AI tools to build and enhance financial models, accelerate analysis, automate workflows, and improve decision-making. What you’ll do: Own the financial strategy, multi-year plan, annual operating plan, and rolling forecasts for SoFi’s rapidly growing Checking & Savings and Credit Card businesses Serve as a strategic thought partner to Business Unit leaders, translating financial and operational data into insights and recommendations that shape growth strategy and business performance Build and analyze customer and product-level unit economics including LTV, CAC, payback periods, and risk-adjusted returns across cohorts, acquisition channels, products, and member segments D

The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally. Job Responsibilities: Conduct risk assessments and client credit analyses with supervision. Review financial results and peer analyses to support the preparation of financial projections. Assist in the preparation of green-light and transaction approval memos. Support due diligence activities and the building of cash flow models and sensitivity analyses. Escalate credit concerns and updates to senior risk and business managers. Support the proposal of risk mitigation actions by staying informed of related developments in the portfolio and industry, and by understanding the credit process, policies, and Citi's risk appetite. Assist with portfolio review preparation and the conduct of stress tests. Build working relationships with various teams across the bank, including deal, coverage, and product teams. Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets. Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency. Provide input into the risk analysis of tools used to monitor Credit Risk Exposure Assist in the assessment of collateral risk and stress testing. Assist in the preparation of risk review materials for proactive risk management and to present to internal stakeholders. Assist in monitoring credit portfolio limits to ensur

Managing Principal Consultant - Credit Risk and Market Risk–driven regulatory and transformation initiatives Role Overview We are seeking a senior Finance & Treasury Transformation professional to join our Finance, Risk, Regulation & Reporting (FRRF) practice. This role focuses on leading Credit Risk and Market Risk–driven regulatory and transformation initiatives for global financial services clients. The position involves advising C‑suite stakeholders (CFO, CRO, Treasurer) and delivering complex, multi-year transformation programs across finance, treasury, and risk functions. Key Responsibilities Lead and deliver large-scale Finance, Treasury, Credit Risk, and Market Risk transformation programs Own regulatory change initiatives including Basel (Credit & Market Risk), ICAAP, ILAAP, IFRS 9, PRA/EBA Design target operating models , balance sheet, capital, and liquidity optimization strategies Oversee regulatory and management reporting (ICAAP, ILAAP, RRP) Drive process efficiency, automation, analytics, and technology-enabled transformation Establish robust governance, control frameworks, and regulatory assurance Act as a trusted advisor to senior stakeholders across Finance, Risk, Compliance, and Audit Translate business and risk requirements into functional and technology solutions Proactively manage risks, dependencies, and delivery outcomes Skills & Experience Deep expertise in Credit Risk, Market Risk, Finance, and Treasury within financial services Strong hands-on experience with Basel, ICAAP/ILAAP, IFRS/IFRS 9, regulatory remediation Proven delivery of finance/risk transformation programs (consulting or in-house) Strong understanding of P&L, balance sheet, capital, liquidity, and cost allocation Experience with finance and risk technologies (ERP, accounting engines, sub-ledgers, reporting platforms) Excellent stakeholder management and change leadership skills Leadership & MP Expectations Act as a Subject Matter Expert across Fin

About the team OpenAI’s Applied AI organization turns our latest model capabilities into products used by hundreds of millions of consumers, developers, and organizations worldwide. Our teams build the product experiences and platform foundations behind ChatGPT, Codex, our API platform, and offerings for businesses, enterprises, educational institutions, and other customers. Financial Engineering powers how customers purchase, access, and pay for these products. We build the systems behind pricing and packaging, checkout, payments, subscriptions, usage-based billing, credits, entitlements, invoicing, and the broader order-to-cash lifecycle. Our work spans consumer subscriptions, self-serve businesses, sophisticated enterprise agreements, developer usage, and emerging monetization models. These systems sit at the intersection of product experience and financial infrastructure. They must make it easy for customers to adopt OpenAI products while maintaining strong guarantees around correctness, reliability, security, reconciliation, and auditability. We partner closely with Product, Data Science, Finance, Accounting, Risk, Operations, and Go-to-Market teams to launch new offerings and build a financial platform that can evolve with OpenAI’s rapidly growing product portfolio. We are looking for an experienced engineer to help architect and build the next generation of these systems. In this role, you will: Have 5+ years of professional software engineering experience building and operating production backend, platform, or distributed systems. Have strong fundamentals in API design, data modeling, storage systems, transactional workflows, and event-driven architecture. Have experience building systems where correctness, reliability, observability, security, or data integrity are especially important. Are comfortable owning ambiguous, business-critical problems from initial definition through launch and long-term operation. Bring a product-oriented mindset and care about

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 📍London/Cardiff/UK Remote | 💰 £115,000 - £150,000 + Incentive Awards tied to your performance + Benefits ✨ About our Machine Learning Business Banking team Our mission in Business Banking is to simplify banking for small businesses; making business banking fairer, simpler and more transparent. Monzo Business Banking is fast-growing, is the UK’s most recommended business account for overall service quality. We recently hit 1 million customers and are used by 1 in 6 UK SMEs. We want to help businesses spend less time on financial admin and more time focused on running and growing their business. We’re building intelligent, data-driven and AI/ML-enabled product experiences that help small businesses feel more in control, make better decisions, and get more value from Monzo. ML is at the core of how we build and scale our products, enabling Monzo to make better decisions, faster, and helping us serve businesses more effectively. As a Lead Machine Learning Scientist in Business Banking, you’ll help build and ship models that power the next generation of Business Banking experiences. You’ll work closely with Product, Engineering,

About the Role Chime’s Data Science and Machine Learning team is building models, services, and platforms that transform how millions of users manage and grow their financial lives. We are looking for a hands-on Tech Lead Manager with deep technical expertise in machine learning and data science, particularly within the Growth and Marketing domain. Beyond technical proficiency, we value creativity, user empathy, and strong collaboration. As a Tech Lead Manager within our Growth and Marketing team, you will lead a talented group of data scientists and machine learning engineers to develop innovative growth and marketing models. These models will provide critical insights into acquiring, retaining and growing Chime members, broaden access to credit, and ensure financial inclusivity. You will play a pivotal role in creating innovative, ground-up products while driving the development of cutting-edge acquisition and retention models and solutions. If you are passionate about marketing, growth, customer acquisition and retention models, this role could be a great fit for you. In this role, you can expect to Lead and inspire a high-performing team of data scientists and ML engineers, ensuring the successful development and deployment of machine learning solutions for customer acquisition, conversion and retention. Drive strategic direction for ML initiatives in marketing, engagement, and growth by identifying opportunities where AI/ML can optimize our customer funnel. Oversee the end-to-end development of machine learning models such as lifetime value prediction, churn risk modeling, customer segmentation, marketing attribution, referral recommendations, and personalized communications. Collaborate cross-functionally with marketing, product, growth, and engineering teams to align machine learning initiatives with business objectives. Leverage transactional and behavioral data to enhance customer targeting, optimize acquisition spend, and improve retention strategies. Esta

Celonis is the trusted platform to industrialize Enterprise AI. At our core is the Celonis Context Model — which combines process data, business knowledge, and intelligence into a living digital twin of the enterprise that AI can actually understand, turning AI's operational blind spots into operational clarity. World's leading companies trust Celonis and its global ecosystem of partners to make their AI agents, people, systems, and processes work together, achieving transformational outcomes. We believe there's a massive opportunity to unlock global productivity and sustainability by giving AI the context to understand how every business process really works. Join our mission to make processes work for people, companies, and the planet. Job Description The Team: The Celonis Ecosystem is pivotal to our company growth strategy as we aim to embed Celonis AI platform into the AI programs of every key GSI partner. Within the Ecosystem team, the GSI Partnership Management team leads, manages and supports our global partnerships with Global System Integrators (GSIs). We aim to drive a successful GTM with these strategic partners to achieve mutual success - high impact Celonis software Net New ACV from the partners’ customers through (cosell, resell motions) and - differentiated service offerings and non linear services revenue for our partners. Our Ecosystem is critical to our goal of driving substantial value for our joint customers. The Role: GSI Partner Lead EMEA acts as an ecosystem orchestrator, responsible for developing deep, technology-driven partnerships with a select portfolio of GSIs across EMEA and RoW. Moving away from traditional co-sell/resell models, you will prioritize agentic ecosystems, establishing high-value, value-based contracts where partners are incentivized to deploy autonomous AI agents with Celonis as their foundation. This role requires deep technical and strategic fluency to navigate complex organizations and establish credi

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and create new business models. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone’s reach while doing some of the most important work of your career. You can read more about the business we’re building and what we’re looking forward to in our annual letter. About the team The Risk team builds trust, an essential ingredient for Stripe’s mission to increase the GDP of the internet. We make it possible for millions of businesses to access and use Stripe’s financial infrastructure while protecting our users, financial partners, and the broader ecosystem from harm. Risk sits at the center of our users’ and Stripe’s ability to grow safely. We help legitimate businesses access Stripe’s financial services, provide credit to creditworthy businesses, and increasingly help users manage their own risk. We also prevent fraud and financial crime, manage Stripe’s credit exposure, meet our obligations to regulators and financial partners, and enable Stripe’s product teams to launch and grow products safely. To do this, we set the policies and standards that guide how Stripe manages risk and develop the advanced AI, infrastructure, and product experiences that put them into practice for Stripe and our users. At Stripe’s scale—$1.9T in annual payment volume, equivalent to 1.6% of global GDP, across millions of businesses—we face risk problems no other company has encountered. The opportunities and complexities are only growing as AI reshapes what is possible, Stripe expands its product suite, regulators raise their expectations, and we support more businesses in more countries. What you’ll do As a Senior Staff Product Manag

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and create new business models. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone’s reach while doing some of the most important work of your career. You can read more about the business we’re building and what we’re looking forward to in our annual letter. About the team The Risk team builds trust, an essential ingredient for Stripe’s mission to increase the GDP of the internet. We make it possible for millions of businesses to access and use Stripe’s financial infrastructure while protecting our users, financial partners, and the broader ecosystem from harm. Risk sits at the center of our users’ and Stripe’s ability to grow safely. We help legitimate businesses access Stripe’s financial services, provide credit to creditworthy businesses, and increasingly help users manage their own risk. We also prevent fraud and financial crime, manage Stripe’s credit exposure, meet our obligations to regulators and financial partners, and enable Stripe’s product teams to launch and grow products safely. To do this, we set the policies and standards that guide how Stripe manages risk and develop the advanced AI, infrastructure, and product experiences that put them into practice for Stripe and our users. At Stripe’s scale—$1.9T in annual payment volume, equivalent to 1.6% of global GDP, across millions of businesses—we face risk problems no other company has encountered. The opportunities and complexities are only growing as AI reshapes what is possible, Stripe expands its product suite, regulators raise their expectations, and we support more businesses in more countries. What you’ll do As a Senior Staff Product Manag

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Position Overview: We are seeking a Quantitative Risk Analysis, Associate II to join the Credit Analytics & Reporting team in the Single-Family division. This position will be tasked with developing deep understanding of data and current code, designing analytical approaches for business questions and scenario evaluations, managing data research, analyses and preparation of reports and presentations. Our Impact: Our team is responsible for producing reporting packages to monitor trends and performance. We analyze different test and learn or pilot programs to assess risk of the offerings and create reports to monitor these offerings closely to assess broad roll out. We perform significant user activities for different enterprise models for user acceptance testing and provide feedback. Your Impact: Implement baseline processes and reports monthly and interpret results as it relates to credit risk management. Follow appropriate controls and standards established to maintain and build documentation for processes & reports. Participate in performing ad-hoc analytics in support of credit policy. Cleanse, manipulate and analyze large datasets using statistical software. Collaborate with team members and interact across organizational lines to meet business objectives. Qualifications: Bachelor's Degree in Statistics, Economics, Finance, Mathematics, Computer Science, Data Science or related field, advanced Degree is a plus Minimum 1-3 years of releva

About the Team At Trendyol Core Commerce, we build innovative, data-driven strategies that power sustainable growth and global expansion. From seller experience to new market launches, we turn insights into action—fast. Our cross-functional teams shape the future of commerce with bold ideas, real-time impact, and a deep sense of ownership. In a fast-paced, collaborative environment, we grow together — as individuals and as a team. What We Offer - Hybrid working model with flexibility: a schedule that helps you find the right balance between flexibility and team bonding, including work-from-abroad opportunities and a summer working model. - Customisable FlexBenefits budget: Adjust your daily meal allowance, choose your health insurance package (and extend it to your spouse or children), and pick from additional benefits like fuel support or Trendyol shopping credits. - Well-being support: Access to location-based in-house doctors, as well as psychologist and dietitian support, and HPV vaccination provision. - Personalised training allowance and learning opportunities: Use your annual budget for any training or conference of your choice, explore our Learning Management System (LMS) anytime, and join in-person learning sessions offered throughout the year. - Responsibility from day one: Take full ownership from the start in a culture where every voice is heard and valued. - A diverse, international team: Collaborate with global peers across our offices in Berlin, Amsterdam, Dubai, and beyond, in a startup-spirited and collaborative environment. - Opportunities to grow with the best: Tackle meaningful challenges, develop through hands-on experience, and grow with the support of expert guidance and global mentoring. - Meaningful connections beyond tasks: Be part of team rituals, events, and social activities that help us stay connected and inspired. Take the Next Step If this role excites you, apply today, we look forward to taking the next step with you. Want to get t

Job Title: FCD BA · Business Analyst experience working in large complex Programmes within the financial services industry and Cloud (Google Cloud Platform). · Excellent documentation skills, promoting concise and clear written deliverables. · Experience with complex regulatory data models and cross functional solution designs. · Relevant experience within regulatory change in a Finance and Risk context. · Proven track record in dynamic environments, with the ability to manage teams with diverse backgrounds and skillsets, both locally and across regional sites and to maintain a global perspective. · Exceptional drive, motivation and commitment and focus in operational excellence. · Strong decision-making, problem-solving and interpersonal skills including the ability to influence stakeholders. Ability to provide SME knowledge in specific area to continuously improve areas of practice; minimum of a Bachelor’s degree in business, finance, mathematics, related field or equivalent experience. · Advance data interrogation skills using SQL and Excel · Proficient in using Python scripts to perform business analysis on large, high-volume datasets, enabling efficient data processing and insight generation. · Understanding of Basel III/IV and PRA/COREP Regulatory Reporting Requirements · Understanding of the HSBC data (facility, products, risk parameters used for credit risk calculation and reporting) · Ability to design functional solution options and support decision by identify risks/ pros/ cons

In 2026, we launched Computer, the defining product for the new era of agentic AI. Millions of people now use Perplexity to transform knowledge into action, and every action an agent takes is metered, budgeted, and settled through the billing platform this role owns. As a monetization engineer at Perplexity, you'll own the abstractions that let product teams ship new SKUs, run pricing experiments, and convert users into paying customers, without needing to understand billing internals. The usage-based billing system this team owns is foundational to Perplexity Computer and our agentic products: metering every agent action in real time, enforcing credit budgets, and settling costs across entirely new interaction models. You'll work across subscriptions, usage-based billing, and enterprise contracts to ensure every revenue path is reliable, observable, and easy to extend. Tech Stack: Python | Go | Stripe | PostgreSQL | AWS | Docker Why Perplexity is Different Craftsmanship. We build high quality, tasteful products targeting both the AI native and AI curious. Ownership. You identify the problem, design the solution and ship it. Entrepreneurship. We think like founders, act with urgency, and hustle to deliver for each other and our users. Scholarship. Work among highly talented peers, pursuing knowledge and truth, upleveling ourselves, our teams, and our products. Partnership. We amplify each others' strengths, break down silos, and give selflessly to help our colleagues deliver excellence. What you'll do Design, build, and own the billing platform and monetization systems that power Computer and every paid experience across Perplexity. Lead features end-to-end, from problem definition through technical design, implementation, and launch, including the billing API abstractions that let product teams ship new SKUs, pricing models, and monetization experiments with minimal friction. Build and operate the subscription, invoicing, and usage-based billing systems that serve