What are the responsibilities and job description for the Senior Analyst – Credit Risk position at UST?
Role Description
Senior Analyst – Credit Risk
Project Manager I
Who We Are
Born digital, UST transforms lives through the power of technology. We walk alongside our clients and partners, embedding innovation and agility into everything they do. We help them create transformative experiences and human-centered solutions for a better world.
UST is a mission-driven group of 29,000 practical problem solvers and creative thinkers in more than 30 countries. Our entrepreneurial teams are empowered to innovate, act nimbly, and create a lasting and sustainable impact for our clients, their customers, and the communities in which we live.
With us, you’ll create a boundless impact that transforms your career—and the lives of people across the world.
Visit us at UST.com.
You Are
The Senior Analyst – Credit Risk plays a key role at the intersection of credit risk management and digital transformation. This role is responsible for analyzing credit data, supporting risk model implementation, and partnering with technology teams to enhance and automate credit risk processes across digital platforms. The analyst will work closely with risk officers, data engineers, and IT delivery teams to ensure accurate, efficient, and compliant risk management practices aligned with the organization’s digital strategy.
The Opportunity
What You Need
Role Location: Washington
Compensation Range: $88,000-$132,000
Benefits
Full-time, regular employees accrue a minimum of 10 days of paid vacation per year, receive 6 days of paid sick leave each year (pro-rated for new hires throughout the year), 10 paid holidays, and are eligible for paid bereavement leave and jury duty. They are eligible to participate in the Company’s 401(k) Retirement Plan with employer matching. They and their dependents residing in the US are eligible for medical, dental, and vision insurance, as well as the following Company-paid Employee Only benefits: basic life insurance, accidental death and disability insurance, and short- and long-term disability benefits. Regular employees may purchase additional voluntary short-term disability benefits, and participate in a Health Savings Account (HSA) as well as a Flexible Spending Account (FSA) for healthcare, dependent child care, and/or commuting expenses as allowable under IRS guidelines. Benefits offerings vary in Puerto Rico.
Part-time employees receive 6 days of paid sick leave each year (pro-rated for new hires throughout the year) and are eligible to participate in the Company’s 401(k) Retirement Plan with employer matching.
Full-time temporary employees receive 6 days of paid sick leave each year (pro-rated for new hires throughout the year) and are eligible to participate in the Company’s 401(k) program with employer matching. They and their dependents residing in the US are eligible for medical, dental, and vision insurance.
Part-time temporary employees receive 6 days of paid sick leave each year (pro-rated for new hires throughout the year).
All US employees who work in a state or locality with more generous paid sick leave benefits than specified here will receive the benefit of those sick leave laws.
What We Believe
We proudly embrace the values that have shaped UST since day one. We build our culture of Humility, Humanity, and Integrity. These values inspire us to nurture a people-first, human centric culture that fosters diversity, prioritizes sustainable solutions, and keeps our people and clients at the forefront of all decisions.
Humility
We will listen, learn, be empathetic and help selflessly in our interactions with everyone.
Humanity
Through business, we will better the lives of those less fortunate than ourselves.
Integrity
We honor our commitments and act with responsibility in all our relationships.
Equal Employment Opportunity Statement
UST is an Equal Opportunity Employer.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other applicable characteristics protected by law. We will consider qualified applicants with arrest or conviction records in accordance with state and local laws and “fair chance” ordinances.
UST reserves the right to periodically redefine your roles and responsibilities based on the requirements of the organization and/or your performance.
#UST
#CB
Skills
Release Management,Production Management,release intake
Senior Analyst – Credit Risk
Project Manager I
Who We Are
Born digital, UST transforms lives through the power of technology. We walk alongside our clients and partners, embedding innovation and agility into everything they do. We help them create transformative experiences and human-centered solutions for a better world.
UST is a mission-driven group of 29,000 practical problem solvers and creative thinkers in more than 30 countries. Our entrepreneurial teams are empowered to innovate, act nimbly, and create a lasting and sustainable impact for our clients, their customers, and the communities in which we live.
With us, you’ll create a boundless impact that transforms your career—and the lives of people across the world.
Visit us at UST.com.
You Are
The Senior Analyst – Credit Risk plays a key role at the intersection of credit risk management and digital transformation. This role is responsible for analyzing credit data, supporting risk model implementation, and partnering with technology teams to enhance and automate credit risk processes across digital platforms. The analyst will work closely with risk officers, data engineers, and IT delivery teams to ensure accurate, efficient, and compliant risk management practices aligned with the organization’s digital strategy.
The Opportunity
- Credit Risk Analysis & Reporting:
- Analyze borrower credit data, financial statements, and portfolio performance to assess risk exposure.
- Support development and validation of credit risk models (PD, LGD, EAD, Stress Testing, IFRS9/CECL).
- Perform trend analysis and generate insights for management on credit exposure and concentrations.
- Ensure alignment of credit risk metrics with enterprise risk policies and regulatory requirements.
- Digital & Technology Enablement:
- Collaborate with IT and data teams to digitize credit risk workflows (e.g., onboarding, scoring, limits, and monitoring).
- Work with product owners to design, test, and implement risk-related system enhancements or automation using digital tools (e.g., Power BI, Tableau, SAS, Python, SQL).
- Support integration of credit risk data into enterprise platforms such as cloud data lakes, dashboards, and APIs.
- Partner with architecture and DevOps teams to ensure data lineage, quality, and governance.
- Risk Systems & Data Management:
- Maintain and enhance credit risk systems (internal tools or vendor platforms like Moody’s Risk Analyst, Axiom, SAS Risk).
- Ensure accuracy and timeliness of data feeds from core banking or digital channels into risk reporting systems.
- Participate in UAT and production validations for new releases or digital platform upgrades.
- Governance & Compliance:
- Support periodic internal and regulatory reviews (Basel, IFRS9, CCAR, SOX).
- Document and maintain data and process lineage for audit and governance purposes.
- Contribute to policy updates and procedural improvements in collaboration with Credit Risk and Compliance teams.
- Stakeholder Collaboration:
- Liaise between business (Risk, Finance, Credit) and IT for project delivery and ongoing operations.
- Translate business requirements into functional/technical specifications for system implementation.
- Communicate complex risk and data findings to non-technical stakeholders.
What You Need
- Education:
- Bachelor’s degree in Finance, Economics, Statistics, Computer Science, or related field.
- Master’s degree or professional certification (FRM, CFA, or PRM) is an advantage.
- Experience:
- 5–8 years of experience in Credit Risk, Risk Analytics, or Risk Technology functions.
- Prior exposure to digital transformation projects or risk automation initiatives.
- Strong understanding of credit risk concepts (PD, LGD, EAD, rating models, exposure management).
- Technical Skills:
- Proficiency in SQL, Python, SAS, R, or equivalent data analysis tools.
- Experience with visualization tools (Power BI, Tableau).
- Familiarity with data governance and cloud technologies (AWS, Azure, GCP) preferred.
- Experience with Agile methodology and collaboration tools (JIRA, Confluence).
- Soft Skills:
- Strong analytical and problem-solving capabilities.
- Excellent communication and documentation skills.
- Ability to work cross-functionally with business and technical teams.
- Detail-oriented with a focus on accuracy and data integrity.
- Key Performance Indicators (KPIs):
- Accuracy and timeliness of credit risk reporting.
- Reduction in manual risk processes through automation.
- Quality and adoption of digital dashboards and data pipelines.
- Compliance with audit and governance requirements.
- Stakeholder satisfaction (Business, Risk, IT).
Role Location: Washington
Compensation Range: $88,000-$132,000
Benefits
Full-time, regular employees accrue a minimum of 10 days of paid vacation per year, receive 6 days of paid sick leave each year (pro-rated for new hires throughout the year), 10 paid holidays, and are eligible for paid bereavement leave and jury duty. They are eligible to participate in the Company’s 401(k) Retirement Plan with employer matching. They and their dependents residing in the US are eligible for medical, dental, and vision insurance, as well as the following Company-paid Employee Only benefits: basic life insurance, accidental death and disability insurance, and short- and long-term disability benefits. Regular employees may purchase additional voluntary short-term disability benefits, and participate in a Health Savings Account (HSA) as well as a Flexible Spending Account (FSA) for healthcare, dependent child care, and/or commuting expenses as allowable under IRS guidelines. Benefits offerings vary in Puerto Rico.
Part-time employees receive 6 days of paid sick leave each year (pro-rated for new hires throughout the year) and are eligible to participate in the Company’s 401(k) Retirement Plan with employer matching.
Full-time temporary employees receive 6 days of paid sick leave each year (pro-rated for new hires throughout the year) and are eligible to participate in the Company’s 401(k) program with employer matching. They and their dependents residing in the US are eligible for medical, dental, and vision insurance.
Part-time temporary employees receive 6 days of paid sick leave each year (pro-rated for new hires throughout the year).
All US employees who work in a state or locality with more generous paid sick leave benefits than specified here will receive the benefit of those sick leave laws.
What We Believe
We proudly embrace the values that have shaped UST since day one. We build our culture of Humility, Humanity, and Integrity. These values inspire us to nurture a people-first, human centric culture that fosters diversity, prioritizes sustainable solutions, and keeps our people and clients at the forefront of all decisions.
Humility
We will listen, learn, be empathetic and help selflessly in our interactions with everyone.
Humanity
Through business, we will better the lives of those less fortunate than ourselves.
Integrity
We honor our commitments and act with responsibility in all our relationships.
Equal Employment Opportunity Statement
UST is an Equal Opportunity Employer.
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other applicable characteristics protected by law. We will consider qualified applicants with arrest or conviction records in accordance with state and local laws and “fair chance” ordinances.
UST reserves the right to periodically redefine your roles and responsibilities based on the requirements of the organization and/or your performance.
#UST
#CB
Skills
Release Management,Production Management,release intake
Salary : $88,000 - $132,000
