Statistical Modeling Manager - Credit Risk

BECU

Seattle, WA

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JOB DETAILS

JOB TYPE

Full-time, Employee

SKILLS

Analysis Skills, Artificial Intelligence (AI), Asset Management, Business Transformation, Commercial Loans, Comprehensive Capital Analysis and Review (CCAR), Consumer Loans, Continuous Improvement, Credit Cards, Credit Risk, Credit and Collections, Cross-Functional, Data Collection, Data Quality, Data Sets, Document Management, Documentation, Documentation Models, Dodd Frank Act, EAD, Economics, Finance, Forecasting, IRB/IEC (Institutional Review Board/Independent Ethics Committee), Industry/Trade Analysis, Investment Management, Loans, Machine Learning, Markov Chains, Mathematics, Mortgage Lending, Performance Analysis, Performance Reviews, Philosophy, Presentation/Verbal Skills, Process Improvement, Programming Tools, Python Programming/Scripting Language, R Programming Language, Record Keeping, Regulations, Regulatory Requirements, Residential Mortgages, Risk, Risk Management, Risk Modeling, SQL (Structured Query Language), Sales Management, Scorecarding, Software Engineering, Statistical Analysis System (SAS), Statistical Modeling, Statistics, Statistics Software, Stress Testing, Support Documentation, System Test, Systems Administration/Management, Team Player, Technical Support, Test Data, Training Data Sets, Tuition Reimbursement, Validation Documentation, Work From Home

LOCATION

Seattle, WA

POSTED

30+ days ago

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits?

Our "people helping people" philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference.

While we're proud of our history, we're even more excited about our future. With business and technology transformation on the horizon, there's never been a better time to be part of BECU.

PAY RANGE

The Target Pay Range for this position is $141,800.00-$173,300.00 annually. The full Pay Range is $107,400.00 - $199,900.00 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

BENEFITS - because people helping peoplestarts with supporting you

401(k) Company Match (up to 3%)

4% annual contribution to your 401(k) by BECU

Medical, Dental and Vision (family contributions as well)

PTO Program + Exchange Program

Tuition Reimbursement Program

BECU Cares volunteer time off + donation match

IMPACT YOU'LL MAKE:

As a Statistical Modeling Manager - Credit Risk at BECU, you'll be at the forefront of data-driven decision-making that directly supports the financial well-being of our members. In this individual contributor role, you'll lead the development and oversight of advanced credit risk models that shape how we approach Economic Capital, loan loss forecasting, account management, collections, capital planning, and stress testing.

Your deep understanding of statistical theory and hands-on experience with large datasets will help BECU build stronger, smarter, and more resilient credit strategies. You'll influence key business decisions while partnering across teams to ensure that every model you manage translates into actionable insights. Here, your expertise won't just power risk strategies-it will strengthen the financial future of the people and communities we serve.

To join our dynamic team in this role, we require candidates to be residents of WA, OR, ID, CA, AZ, TX, GA, SC, NC, and VA. If you're located in Washington state and within a reasonable driving distance to our Tukwila Headquarters (TFC), we encourage you come into the office on Tuesdays & Wednesdays each week. For those candidates that live outside the commutable distance to TFC and in any of our approved remote work locations, this role will be primarily remote. Remote or onsite, we are committed to ensuring you are fully engaged and included in our collaborative environment.

WHAT YOU'LL DO:

Lead Model Development: Design, develop, and recalibrate statistical credit risk models-ranging from credit decision scorecards to Basel IRB models like PD, LGD, and EAD-using leading statistical software and programming tools.

Champion Data Integrity: Gather, validate, and refine large datasets to ensure models are built on reliable, usable data-and apply advanced treatment techniques where needed.

Implement with Precision: Manage systems testing and data readiness to support accurate and efficient model implementation.

Evaluate and Enhance Models: Conduct ongoing performance assessments and annual reviews to identify enhancements and improve model accuracy using cutting-edge statistical methods.

Drive Business Alignment: Partner with business and product teams to explain model outcomes, guide risk-reward strategies, and ensure alignment between statistical insights and business objectives.

Maximize Analytic Impact: Provide advanced analytics in support of credit risk strategy, including capital planning, portfolio mix management, and loss forecasting-applying tools like SAS, SQL, and other statistical platforms.

Standardize Model Governance: Develop and maintain risk modeling procedures and documentation to support consistency, auditability, and stakeholder transparency.

Translate Insights: Present model results and recommendations clearly to both technical and non-technical stakeholders, supporting enterprise-wide understanding and action.

Stay Ahead of the Curve: Maintain up-to-date knowledge of credit portfolios, regulatory requirements, and industry trends to drive continuous improvement in modeling practices.

Deliver Cross-Functional Support: Respond to data requests, manage testing environments, and ensure model outputs are leveraged effectively across teams.

Ensure Thorough Documentation: Maintain detailed records, including model development logs, version controls, and validation documentation for regulatory and business needs.

Contribute Beyond the Role: Take on additional responsibilities and special projects that support BECU's mission and modeling excellence.

Thisisn'tjust about tickingoff tasks on a list.It'sabout making a significant, positive change in BECU's journey, where your contributions are valued, and your growth is continually fostered.

QUALIFICATIONS:

Minimum Qualifications:

Master's degree or foreign equivalent in a quantitative discipline such as statistics, math, finance, or economics.

Minimum 7 years of functional experience in credit risk modeling.

Desired Qualifications:

Sound knowledge of statistical modeling concepts including logistic regression, survival analysis, Markov chain analysis and time series.

Knowledge of artificial intelligence (AI) and machine learning (ML) tools.

Knowledge of three or more of the following statistical analytical packages: SAS, Python, SQL and R.

Experience in verbal and written communication of complex statistical insights.

Experience with loss forecasting, default management and credit risk modeling, reporting and analytics.

Experience with Basel Regulatory framework, Comprehensive Capital Analysis Review (CCAR), Dodd-Frank Act Stress Testing (DFAST).

Credit Risk modeling experience in real estate secured loan products (i.e., mortgage, home equity), auto, credit card, Consumer and/or commercial loan products.

JOIN THE JOURNEY:

Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributionsdon'tjust fill a role, but fuel the growth and success of BECU? This is more than a job -it'sa chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU.

Embrace the opportunity to grow with us. Apply now, bring yourexpertiseto the table, andlet'sachieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney

EEO Statement:

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

About the Company

BECU

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