Discover Your Future in Credit Risk Technology

Build systems that shape credit decisionsat scale.

Join a fastmoving Credit Risk Technology team where modern engineering, data, and AI come together to drive realworld financial impact. We operate with a startup mindsetownership, speed, and experimentationwithin the rigor and responsibility of a global financial institution. Youll help design and deliver missioncritical platforms that support credit risk assessment, analytics, and decisioning across the firm.

Job Overview

The Credit Risk Applications Technology Lead Analyst is a senior engineering leadership role focused on building and evolving modern, scalable platforms for credit risk management. You will lead application design and development while partnering closely with risk, data, and platform teams to deliver systems that are performant, resilient, and compliant.

This role blends handson development, system architecture, technical leadership, and AIenabled innovation, with a strong emphasis on microservices, cloudnative design, and enterprisegrade governance.

Key Responsibilities

• Architect, design, and deliver scalable, Pythonbased applications supporting credit risk analytics, workflows, and reporting.

• Partner with risk, product, and technology leadership to integrate platforms, identify enhancements, and enable new products and process improvements.

• Resolve highimpact, complex initiatives through deep analysis of business processes, system flows, and industry standards.

• Ensure solutions adhere to enterprise architecture, data, security, and infrastructure blueprints.

• Establish and enforce engineering standards for coding, testing, CI/CD, debugging, and production readiness.

• Design and evolve microservicesbased architectures, ensuring scalability, resiliency, observability, and maintainability.

• Apply AI and GenAI capabilities to modernize workflows, automate analysis, and unlock new insights in credit risk.

• Serve as technical leader and mentor, coaching midlevel engineers and analysts and allocating work as needed.

• Apply sound risk and control judgment, ensuring compliance with laws, regulations, and policies while safeguarding clients, data, and the firm.

How Youll Work

• Operate with a startup mindset: ownership, bias for action, and pragmatic innovation.

• Deliver with enterprise discipline: stability, controls, transparency, and audit readiness.

• Balance experimentation with responsibility in a hightrust, highimpact environment.

• Adapt quickly as priorities change while maintaining longterm system integrity.

Core Technical Skills

• 510 years of experience in application development or systems engineering within complex environments.

• Advanced proficiency in Python and SQL, with strong software engineering fundamentals.

• Handson experience building APIdriven services using FastAPI, Pydantic, and/or Django.

• Proven expertise designing and implementing microservices architectures, including service decomposition, interservice communication, resiliency patterns, and observability.

• Strong experience with Docker and Kubernetes, deploying and operating containerized services in production.

• Deep understanding of system architecture, data flows, and distributed systems.

• Experience working in Linux environments, including shell scripting and operational troubleshooting.

• Strong track record implementing unit testing, TDD, and automated quality controls.

• Subject Matter Expert (SME) in at least one application, platform, or service domain.

AI & Modern Engineering Tools

• Working knowledge of large language models (LLMs) and modern AI platforms from leading providers such as OpenAI, Anthropic, Google, and Meta.

• Experience designing or contributing to LLMenabled solutions (e.g., copilots, workflow automation, analytics augmentation).

• Familiarity with prompt engineering, model integration patterns, and AI governance considerations in enterprise environments.

• Exposure to modern vibe coding practicesleveraging AIassisted tooling to accelerate development, experimentation, and problem solving while maintaining engineering rigor.

Bonus / Differentiating Skills

• Experience with distributed data and compute platforms (e.g., Spark, PySpark, Hadoop, Hive).

• Handson experience with graph databases, particularly Neo4j, for network, relationship, or dependencydriven use cases.

• Background in credit risk, financial risk management, or banking platforms.

• Experience modernizing or decomposing legacy monolithic systems in large enterprises.

• Proven delivery of GenAI / AIdriven solutions in regulated or largescale environments.

Education

• Bachelors degree (or equivalent experience) in Computer Science, Engineering, Mathematics, or a related STEM field.

• Masters degree preferred.