Credit Risk Modeler

Be among the first 25 applicants. Deel is the all-in-one payroll and HR platform for global teams. Our vision is to unlock global opportunity for every person, team, and business. Built for the way the world works today, Deel combines HRIS, payroll, compliance, benefits, performance, and equipment management into one seamless platform. With AI-powered tools and a fully owned payroll infrastructure, Deel supports every worker type in 150+ countries—helping businesses scale smarter, faster, and more compliantly.

Among the largest globally distributed companies in the world, our team of 6,000 spans more than 100 countries, speaks 74 languages, and brings a connected and dynamic culture that drives continuous learning and innovation for our customers.

Why Deel
As the fastest-growing Software as a Service (SaaS) company in history, Deel is transforming how global talent connects with world-class companies – breaking down borders that have traditionally limited both hiring and career opportunities. We're not just building software; we're creating the infrastructure for the future of work, enabling a more diverse and inclusive global economy. In 2024 alone, we paid $11.2 billion to workers in nearly 100 currencies and provided healthcare and benefits to workers in 109 countries—ensuring people get paid and protected, no matter where they are.

Our momentum is reflected in our achievements and customer satisfaction: CNBC Disruptor 50, Forbes Cloud 100, Deloitte Fast 500, and repeated recognition on Y Combinator's top companies list – all while maintaining a 4.83 average rating from 15,000 reviews across G2, Trustpilot, Capterra, Apple and Google.

About The Role

Deliver expertise and ownership in designing, developing, validating, and maintaining credit risk models that underpin sustainable credit decision-making, regulatory compliance, and data-driven business insights. As a core member of the Credit Risk & Analytics function, you will build credit risk models, support model governance and performance monitoring, and enable predictive and transparent credit modeling aligned with enterprise risk strategy.

Responsibilities

• Develop, implement, and calibrate credit risk models.
• Ensure models are audit-ready, explainable, and compliant with regulatory expectations around transparency.
• Support validation activities, leveraging statistical best practices and back-testing; refine models as needed.
• Monitor model performance metrics (e.g., accuracy, stability) and deploy corrective actions when required.
• Maintain detailed documentation of model methodology, assumptions, and validation results.
• Analyze model outputs to identify portfolio-level trends, concentrations, or emerging risk patterns.
• Ensure modeling practices align with regulatory standards and internal requirements.
• Participate actively in risk model governance processes, model approval workflows, and audit reviews.
• Explore and apply explainable AI techniques to enhance model transparency and stakeholder trust.
• Act as a subject-matter advisor to product teams, risk committees, internal audit, and regulators regarding model design and performance.
• Communicate complex modeling outcomes in clear, actionable terms suitable for both technical and non-technical audiences.

Skills And Competencies

• Strong track record in credit risk modeling or risk analytics roles, preferably within consumer or small business lending
• Demonstrated experience developing models.
• Strong technical proficiency in quantitative modeling.
• Experience ensuring regulatory compliance in model development and validation.
• Familiarity with model governance, documentation standards, and audit-ready practices.
• Advanced degree (Master's or higher) in a quantitative field such as Statistics, Mathematics, Economics, Finance, or a related discipline.
• Professional certifications such as FRM, PRMIA, or equivalent are a plus.

Total Rewards

Our workforce deserves fair and competitive pay that meets them where they are. With scalable benefits, rewards, and perks, our total rewards programs reflect our commitment to inclusivity and access for all.

Some things you'll enjoy

• Stock grant opportunities dependent on your role, employment status and location
• Additional perks and benefits based on your employment status and country
• The flexibility of remote work, including optional WeWork access

EEO and accommodations

Deel is an equal-opportunity employer that values diversity and positively encourages applications from suitably qualified candidates regardless of race, religion, sex, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, pregnancy or maternity or other applicable legally protected characteristics. We will provide accommodation on request throughout the recruitment process. If you require accommodation, please inform our Talent Acquisition Team at recruiting@deel.com.

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