Credit Model Validation Manager Jobs

🚀 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 ❤️ 📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits Hybrid model: 3 days a week in the office About our Engineering Teams: We have over 650 engineers across Monzo who design and build our in-house banking platform. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want, so engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company. These range from the products our customers use everyday to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. As a bank, there is scope for impact across a huge number of opportunities. We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do! Your day-to-day This role is all about collaborating with your team to make a difference to your customers. As a backend engineer you’ll work in a squad alongside other disciplines like product managers, marketers, us

🚀 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 ❤️ 📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + benefits | Hybrid model: 3 days a week in the office About our Engineering Teams: We have over 650 engineers across Monzo who design and build our in-house banking platform. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want, so engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company. These range from the products our customers use everyday to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. As a bank, there is scope for impact across a huge number of opportunities. We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do! What you’ll be working on: We rely heavily on the following tools and technologies: Go to write our application code (there’s an excellent interactive Go tutorial here ) Cassandra for most persistent data storage Kafka for our asynchronous message queue Envoy Proxy for RPC Kubernetes and

🚀 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 ❤️ 📍Barcelona, Spain | 💰 Base salary for this role is depending on experience + Incentive Awards tied to your performance + benefits Hybrid model: 3 days a week in the office About our Engineering Teams: We have over 650 engineers across Monzo who design and build our in-house banking platform. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want, so engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company. These range from the products our customers use everyday to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. As a bank, there is scope for impact across a huge number of opportunities. We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do! Your day-to-day This role is all about collaborating with your team to make a difference to your customers. As a backend engineer you’ll work in a squad alongside other disciplines like product managers, marketers, us

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: Are you passionate about data? Are you curious and analytical? Do you thrive on working in a team environment? Freddie Mac’s Multifamily Portfolio and Risk Management team needs creative, forward-thinking individuals like you! We are seeking a Quantitative Analytics Professional who will be responsible for engaging the key Multifamily business partners to ensure the reasonableness and consistency of quantitative models, analytics and methodologies used in risk management and decision making in Multifamily business. Our Impact: We are the owners and developers of all major Multifamily credit, market risk and business decision models/tools. Our goal is to develop and apply all quantitative models and advanced data science tools to facilitate Multifamily risk management and optimize portfolio strategies. Our team is also responsible for Multifamily data analytics, regulatory capital, stress testing and business initiatives. This is an increasingly critical role given our focus on safety and soundness in multifamily business as well as the emerging risk management under the dynamical market environment. Your Impact: Lead efforts on data strategy, analytical tool design, and uses of Multifamily models; provide thoughtful inputs on development of Multifamily data, advanced analytics, and model assumptions/methodology. Lead best practices and improvement of Multifamily data management and analytical products to ensure adherence to industry standards and regulatory compliances. Collaborate with cross-functional teams to impl

Who are we? FalconX is a pioneering team of operators, investors, and builders committed to revolutionizing institutional access to the crypto markets. Operating at the intersection of traditional finance and cutting-edge technology, FalconX addresses the industry's foremost challenges: Navigating the digital asset market can be complex and fragmented, with limited products and services that support trading strategies, structures, and liquidity found in conventional financial markets. As a comprehensive solution for all digital asset strategies from start to scale, FalconX operates as the connective tissue empowering clients with seamless navigation through the ever- evolving cryptocurrency landscape. About the role As Director of Sales, Electronic Trading, you will found and lead our Electronic Trading Sales franchise. Your clients will be hedge funds, quant and systematic funds, market makers, proprietary trading firms, asset managers, and banks. You will bring the best of them onto FalconX, then grow that business into a core part of the firm. This is for a senior seller with a large, established book of electronic trading clients. You should want the freedom to build from the ground up with the backing of an established prime broker. You will work directly with leadership, Trading, Product, Engineering, and Risk. Your clients' feedback will feed straight into what we build. What you'll do Found Electronic Trading Sales. Define the go-to-market strategy, target client segments, pricing approach, and coverage model. Set the standard for how FalconX sells electronic trading. Bring your book. Move your existing relationships with electronic and algorithmic clients to FalconX. Win new ones across spot, derivatives, FX, and financing. Onboard and grow clients. Guide clients through KYC, credit, and technical integration. Then expand their flow and wallet share. Be the voice of the client. Turn client needs into product requirements. Help decide which venues, order typ

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: Freddie Mac is seeking a hands-on AI engineering leader to serve as Director within the Single-Family Acquisitions (SFA) division, reporting to the Sr. Director of GenAI Engineering & Enterprise Rules Platform. This role owns the technical core of SFA’s AI Systems Solutioning, including Agent Engineering & Design. This includes (1) the overall design and execution of AI Systems development from Ideation & Business casing to Specification creation & execution through deployment, (2) the evaluation harnesses and graded assessment sets that determine whether an agent or AI System is ready for production, and (3) the operating layer that keeps agents accountable after go-live. The role is approximately 70% hands-on architecture and code and 30% leadership of a GenAI engineering efforts and platform and vendor delivery partners. The Director is forward-deployed by design. The role partners with the divisional GenAI PMO, Enterprise Operations & Technology (EO&T), and Digital Experience, and works alongside the Enterprise Business Rules platform team so that agent-driven and rule-driven decisioning share a common domain vocabulary, evaluation approach, and traceability model. Our Impact Freddie Mac was established by Congress to provide liquidity, stability, and affordability to the U.S. housing market. Within Single-Family Acquisitions, our technology platforms and decisioning systems are foundational to ensuring loans sold to Freddie Mac meet eligibility, credit risk, and regulatory requirements at scale. Your Impact This role is a player / coach model. You wi

Replit is the agentic software creation platform that enables anyone to build applications using natural language. With millions of users worldwide, Replit is democratizing software development by removing traditional barriers to application creation. About the Role You'll be one of the founding data scientist on Replit's Growth team, working with Product and Engineering leadership across acquisition, activation and recommender systems, and helping shape how Replit experiments. This role is for someone who doesn't wait to be asked. You spot problems and opportunities before anyone else does, bring a strong point of view, and push it until it changes what we build. You will: Own data science for major growth areas, partnering with PMs and engineers from problem framing and sizing through launch and readout Make fast decisions trustworthy: we ship weekly and need a decision within days, but retention takes weeks to show up. You'll design the experiments and metrics that close that gap; for example, variance reduction (CUPED), sequential testing, and short-term proxy metrics validated against long-term retention and revenue Help set the experimentation standards teams rely on for Replit's highest-traffic surfaces: how metrics and guardrails are defined, and the checks that catch a broken test before it misleads anyone Use quasi-experimental designs (difference-in-differences, synthetic control, regression discontinuity) where randomization isn't feasible, such as pricing changes and regional launches Help define the data science behind an emerging personalization and recommendations workstream: problem framing, offline and online evaluation, and measuring incremental lift Model the economics of a freemium, usage-based product: credit consumption, conversion, and how pricing and limits change behavior Develop user and project segmentation from behavioral and content signals (e.g., embeddings and clustering) so growth analysis reflects what people are actually building P

Joining Capco means joining an organisation that is committed to an inclusive working environment where you’re encouraged to #BeYourselfAtWork. We celebrate individuality and recognize that diversity and inclusion, in all forms, is critical to success. It’s important to us that we recruit and develop as diverse a range of talent as we can. We believe that everyone brings something different to the table – so we’d love to know what makes you different. Such differences may mean we need to make changes to our process to allow you the best possible platform to succeed, and we are happy to cater to any reasonable adjustments you may require. You will find the section to let us know of these at the bottom of your application form or you can mention it directly to your recruiter at any stage and they will be happy to help. ABOUT CAPCO Capco is a global business, data and technology consultancy, focused on the Financial Services sector. We are passionate about helping our clients succeed in an ever-changing industry. We are: Experts in capital markets, banking and payments, insurance and wealth and asset management Deep knowledge in financial services offering, including e.g. Finance, Risk and Compliance, Financial Crime, Resilience etc. Committed to growing our business and hiring the best talent to help us get there Focus on maintaining our nimble, agile and entrepreneurial culture ROLE DESCRIPTION We are looking to recruit financial risk transformation candidates into our growing Financial Crime, Risk, Regulation and Finance (FRRF) capability. Successful candidates will be involved in on regulatory capital and Credit RWA models and tools, with emphasis on Basel III Endgame implementation, RWA calculations, and related model risk management activities. The role is suited for candidates with strong quantitative, regulatory capital, and programming skills, as well as the ability to challenge methodologies and communicate findings clearly to technical an

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition. For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. Financial Risk Analyst As a Senior Financial Risk Analyst on our Merchant Potential Liability Team you will be part of a team of high-performing professionals that evaluates and manages financial risk (i.e. chargebacks) arising from a portfolio of enterprise merchants, as well as assessing the risk of new products. As a member of our team, you will help us scale and innovate our financial risk management framework and processes. You will be working closely with the Commercial, Product and Legal teams while collaborating with some of the biggest merchants processing on the Adyen platform, all with one overarching goal: limiting Adyen’s exposure to credit losses. Our team is highly motivated, extremely innovative, and thrives on shared success. As we operate globally, our team is part of an international team with diverse backgrounds and skill sets. Our ideal new team member has a proven track record of solving problems, is a great communicator with an affinity for technology and a passion for finance. What you’ll be doing As Senior Financial Risk Analyst on our Merchant Potential Liability team, you will work closely with our very diverse merchant portfolio, to assess and analyse their business model and financial health, and provide clear and concise credit risk advice to the Adyen credit risk committee. You

Joining Capco means joining an organisation that is committed to an inclusive working environment where you’re encouraged to #BeYourselfAtWork. We celebrate individuality and recognize that diversity and inclusion, in all forms, is critical to success. It’s important to us that we recruit and develop as diverse a range of talent as we can. We believe that everyone brings something different to the table – so we’d love to know what makes you different. Such differences may mean we need to make changes to our process to allow you the best possible platform to succeed, and we are happy to cater to any reasonable adjustments you may require. You will find the section to let us know of these at the bottom of your application form or you can mention it directly to your recruiter at any stage and they will be happy to help. ABOUT CAPCO Capco is a global business, data and technology consultancy, focused on the Financial Services sector. We are passionate about helping our clients succeed in an ever-changing industry. We are: Experts in capital markets, banking and payments, insurance and wealth and asset management Deep knowledge in financial services offering, including e.g. Finance, Risk and Compliance, Financial Crime, Resilience etc. Committed to growing our business and hiring the best talent to help us get there Focus on maintaining our nimble, agile and entrepreneurial culture ROLE DESCRIPTION We are looking to recruit financial risk transformation candidates into our growing Financial Crime, Risk, Regulation and Finance (FRRF) capability. Successful candidates will be involved in on regulatory capital and Credit RWA models and tools, with emphasis on Basel III Endgame implementation, RWA calculations, and related model risk management activities. The role is suited for candidates with strong quantitative, regulatory capital, and programming skills, as well as the ability to challenge methodologies and communicate findings clearly to technical an

Joining Capco means joining an organisation that is committed to an inclusive working environment where you’re encouraged to #BeYourselfAtWork. We celebrate individuality and recognize that diversity and inclusion, in all forms, is critical to success. It’s important to us that we recruit and develop as diverse a range of talent as we can. We believe that everyone brings something different to the table – so we’d love to know what makes you different. Such differences may mean we need to make changes to our process to allow you the best possible platform to succeed, and we are happy to cater to any reasonable adjustments you may require. You will find the section to let us know of these at the bottom of your application form or you can mention it directly to your recruiter at any stage and they will be happy to help. ABOUT CAPCO Capco is a global business, data and technology consultancy, focused on the Financial Services sector. We are passionate about helping our clients succeed in an ever-changing industry. We are: Experts in capital markets, banking and payments, insurance and wealth and asset management Deep knowledge in financial services offering, including e.g. Finance, Risk and Compliance, Financial Crime, Resilience etc. Committed to growing our business and hiring the best talent to help us get there Focus on maintaining our nimble, agile and entrepreneurial culture ROLE DESCRIPTION We are looking to recruit financial risk transformation candidates into our growing Financial Crime, Risk, Regulation and Finance (FRRF) capability. Successful candidates will be involved in on regulatory capital and Credit RWA models and tools, with emphasis on Basel III Endgame implementation, RWA calculations, and related model risk management activities. The role is suited for candidates with strong quantitative, regulatory capital, and programming skills, as well as the ability to challenge methodologies and communicate findings clearly to technical an

This is Adyen. Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition. For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. Financial Products About the Role The Financial Products org at Adyen is at the forefront of our evolution, building the foundational infrastructure that enables our customers to manage their finances, issue cards, and access credits and financing globally. Adyen is building a Machine Learning Engineering team in San Francisco focused on Credit Risk Modeling for Underwriting within Financial Products. This team will develop the models, scorecards, and production systems that enable Adyen to scale its credit products 100x. As a Staff Machine Learning Engineer you will design, productionize, and operate machine learning models and rule-based decision systems that power credit products. You will work across the full model lifecycle, from research and data analysis to training, deployment, monitoring, and continuous improvement. This role is ideal for an engineer who combines strong machine learning and production engineering experience with sound judgment in high-integrity financial systems. You will help build continuous data flywheels that improve underwriting decisions while balancing rapid product innovation with robustness, explainability, and global scale. We are looking for engineers with a customer-problem-first mindset and experience building reliable ML systems in production. You will work closely with product,

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 The Applied Science team builds models and tools that solve Ramp’s most critical problems: from underwriting businesses to combatting fraud to making spend management smarter. We’re deeply embedded in the business and provide a quantitative foundation for decision making. As an Applied Science intern, you’ll be a fully integrated member of the team and own your project from start to finish. Working with engineers, product managers, and business stakeholders, you’ll translate complex business needs into scalable machine-learning-driven solutions. This is a chance to apply ML concretely, ship code, and create genuine value for Ramp and our customers. You will focus on exciting problems in areas like: credit, fraud, growth, or our core product. What You’ll Do End-to-End ML : own the model lifecycle from data exploration and feature engineering to training, benchmarking, deployment, and monitoring State-of-the-Art AI : leverage the latest Large Language Models (LLMs) to solve novel problems and create new product capabilities for our cust

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: The Account Executive is responsible for supporting the strategy, development, and management for a portfolio of customers. Through consultative sales and strong project management, the incumbent will develop a deep and detailed understanding of the customers' business models and strategies in order to contribute to a pro-active approach to optimize the value of relationship to both Freddie Mac and the customer. If this sounds interesting to you, read on and apply today! Our Impact: The Seller Engagement team directly supports the Freddie Mac Single-Family Acquisitions effort to deliver on our mission through engagement with sellers with products and tools that support all of Single Family’s goals and initiatives. Your Impact: Guide the strategy of a portfolio of accounts to ensure optimization of business to Freddie Mac. Be regarded by the stakeholders (internally and externally) as a trusted and respected leader. Lead and mentor account team members to achieve goals. Encourage the account team to continuously improve integrated operating model. Strategize and collaborate with all partners, including pricing, credit, servicing, affordable, legal to ensure all parties are informed and understand the strategy for each customer. Have the flexibility to adapt to new and evolving market conditions and changes as you work your portfolio of accounts. Qualifications: 5 - 7+ years of related professional experience

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: Freddie Mac is seeking a highly experienced Director, Title Risk Assessment and Automation Solutions to lead the development, evaluation, and enhancement of automated solutions that assess title risk for single-family mortgage loans. This leader will help define how Freddie Mac identifies loans with low title risk that can be purchased with confidence, while maintaining appropriate standards for clear and marketable title, risk management, consumer protection, and regulatory compliance. This role requires deep subject matter expertise in the title insurance and mortgage industries, including title data sources, title search and examination processes, title underwriting standards, title defects, curative workflows, and automated title decisioning. The successful candidate will understand both the business and technical components of title risk assessment, including how to evaluate available title-related data, obtain and govern that data, and develop or vet rules-based, analytics-based, and model-supported title risk engines. The Director will work closely with teams across Freddie Mac, including Credit Risk Management, Collateral Policy, Legal, Fair Lending, Modeling, Technology, Seller Engagement, Operations, Oversight, and FHFA-facing stakeholders. This leader will also engage with lenders, title vendors, settlement service providers, data vendors, and technology providers to understand market capabilities and drive responsible innovation. Our Impact: The Single-Family Credit Risk Management team proactively identifies, assesses, and mitigates credit risk to su