Credit Risk Software Engineer, Associate

Union Bank, N.A. San Francisco , CA 94118

Posted 3 months ago


Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 5th largest financial group in the world with total assets of over $2.4 trillion (as ranked by SNL Financial, April 2016) and 140,000 colleagues in nearly 50 countries. In the U.S., we're 13,000 strong, working together to positively impact every customer, organization, and community we serve. We achieve this by delivering on our values, putting people first, fostering long-term relationships built on honesty and mutual understanding, and inspiring the best in each other. This is all part of our inclusive, high-performing culture supported by Total Rewards that include our cash balance pension plan. Join a team that's working to fulfill its vision to be the world's most trusted financial group.


The Credit Risk Software Engineer position will assume the following responsibilities:

  • Design and implement: (i) Credit production processes, (ii) End-user analytic tools, and (iii) Credit loss forecast models.

  • Manage the software lifecycle including updates leveraging newer technologies, while fulfilling the requirements of various bank stakeholders.

  • Provide leadership in advancing: (i) Agile development, (ii) Process automation, (iii) Programming best practices and techniques within the team.

  • Work collaboratively with other bank teams, including: (i) Risk Management, (ii) Finance, (iii) Treasury, and (iv) Line of business Risk Owners.

Major Responsibilities:

  • Develop applications and solutions to analytical, implementation, and/or execution problems.

  • Maintain and enhance production risk management infrastructure, including: (i) Analytic models, and (ii) Data inventories.

  • Automate periodic risk reports/presentations on the following: (i) Key risk levels, (ii) Trends, (iii) Strategies, and (iv) Potential issues.


  • Bachelor's degree required (prefer Masters) in Computer Science, Engineering, or related field (or foreign equivalent degree).

  • 3+ years of experience with two or more of the following programming languages: R, Python, C++, SAS, MATLAB, and version control system such as git.

  • Solid understanding of agile development and programming best practices. Passion for writing clean code.

  • Experience with cloud computing (e.g. AWS).

  • Project management knowledge coupled with the ability to work efficiently within a team.

  • Excellent critical thinking, problem-solving abilities.

  • Strong oral and written communication skills.

  • Understanding of statistical modeling techniques and elements of machine learning a plus.

  • Strong work accuracy and personal reliability.

To learn more about MUFG, review all current career opportunities, and apply please visit us online:

The above statements are intended to describe the general nature and level of the work being performed. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

We are proud to be an Equal Opportunity / Affirmative Action Employer and committed to leveraging the diverse backgrounds, perspectives, and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate in employment decisions on the basis of any protected category.

A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it's the bank's policy to only inquire into a candidate's criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.

See if you are a match!

See how well your resume matches up to this job - upload your resume now.

Find your dream job anywhere
with the LiveCareer app.
Download the
LiveCareer app and find
your dream job anywhere

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Director Credit Risk Management

Lending Club

Posted 2 days ago

VIEW JOBS 10/20/2018 12:00:00 AM 2019-01-18T00:00 About Us: LendingClub (NYSE: LC) opened in 2007 with one simple mission: create a more efficient, transparent and customer-friendly alternative to the traditional banking system that offers creditworthy borrowers lower interest rates and investors better returns. Today, we're the world's largest online credit marketplace, and we're radically changing the way lending operates. We're proud of the recognition we've received, including being named a World Economic Forum Technology Pioneer, a CNBC Disruptor 50, and one of The World's 10 Most Innovative Companies in Finance by Fast Company. We're conveniently located in downtown San Francisco, California. About You: You're a people management Director that manages a team and collaborates with our VP of Risk Management. You'll be responsible for credit risk analysis, credit policy and reporting. You will have experience working in the consumer/retail credit industry with a quantitative background and significant exposure to risk management. In this role you'll focus on developing data analysis to improve credit policy, partnership deals, controlling losses and minimizing credit loss, creating opportunities to increase personal loans financial performance, and enhancing returns for our Retail and Institutional investors. Your Role: Craft credit risk and pricing strategies for our Personal Loan product that include: * Develop credit risk management strategies for lending segment * Develop risk-based verification strategies for personal loan products * Measure credit expansion opportunities in the personal loans lending market * Build testing roadmaps and strategy Evaluate new data sources for credit risk management: * Expand existing set of data used in credit decisioning process by evaluating information value of non-traditional data sources and by re-engineering use of existing data elements * Design a roadmap for testing new data elements and strategies Perform data analysis and validation: * Complete various ad-hoc analysis relating to credit risk management * Validate and implement credit risk models Build and update monthly performance reports, design performance measurements and create analytical data sets: * Produce monthly credit risk dashboards and create new dashboards to track and monitor business metrics * Monitor portfolio performance by vintage to generate insight Monitor and incorporate competition and macroeconomic data in strategies and decision-making: * Create strategies for identifying and mitigating significant macro-economic risks * Track competitive activities and adjust strategies as needed Coach and motivate a team of analysts and managers: * Recruit, train and develop a high performing team Additional Responsibilities: * Develop infrastructure for consistently monitoring credit risk performance across portfolios, segments and strategies. Work closely with credit policy teams to document and simulate credit [olicy actions on historical vintages. * Work with data services to design an architecture to monitor credit policy changes at granular level in an automated fashion to improve efficiency and accuracy * Develop tools and methodologies for forecasting impact of various policy changes (approve/decline, loan size, pricing etc.) * Lead enterprise wide macroeconomic tracking, competitor performance monitoring and stress testing activities with goal to identify the early trends and most vulnerable credit segments * Partner with corporate strategy to explore new strategic activities and projects (eg. Home equity) * Lead enterprise wide credit risk and analytics training with a goal to create a basic (all non-ops employees) and advanced (risk, marketing and finance employees) curriculum to integrate risk management in LC culture * Participate in industry roundtables to keep abreast of industry standards and best practices Requirements: * 7+ years of experience in risk management analytics * Bachelor's degree or higher in a quantitative field or related field * Prior leadership or people management experience * Experience validating and implementing models * Extensive experience in SQL and one of SAS, R or other equivalent data mining tools * Experience with BI/data visualization tools (like Tableau or Excel to create dashboards) * Experience using CART, GML, Random Forest, LDA, or Convex Optimization techniques * Good interpersonal skills that enable you to build support from peers and senior management * Excellent written and verbal communication skills, with focus on written policies and procedures * You're excited by FinTech and empowering those striving for financial success Nice to have: * Product analytics experience * Experience with tools like Hadoop LendingClub is an equal opportunity employer and dedicated to diversity and inclusion in the workplace. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We believe that a variety of perspectives will make our teams and business stronger, as we work together to empower those who strive to achieve financial success. #LI-PB1 Lending Club San Francisco CA

Credit Risk Software Engineer, Associate

Union Bank, N.A.