Senior Lending Credit Risk Model Analyst

About the Role

H&R Block Financial Services builds credit and banking products that help millions of customers access funds and manage their money. We’re seeking a Senior Lending Credit Risk Model Analyst to support underwriting, portfolio monitoring, and credit strategy across our lending products. Working at the intersection of data science, risk management, and product decisioning, this role will develop analytical and machine-learning solutions that improve credit outcomes while supporting responsible growth. You'll partner closely with Product, Risk, Engineering, Finance, and Operations to solve high-impact business challenges that directly influence customer access to credit and portfolio performance.

Day to day, you'll...

• Build and maintain credit risk models, scorecards, and analytical frameworks supporting underwriting, account management, and portfolio monitoring  
• Analyze large, complex datasets (application, bureau, tax, and performance data) using Python and SQL to uncover risk insights and portfolio trends  
• Develop predictive models, segmentation, and analytics for default risk, customer behavior, and portfolio actions, including experimentation and strategy tests  
• Partner with engineering and MLOps teams to productionize models, improve data pipelines, and support ongoing monitoring and performance tracking  
• Deliver clear, decision‑ready insights to stakeholders while supporting model governance, documentation, explainability, and continuous data quality improvement 

Required Qualifications

• 5+ years of experience in data science, risk analytics, or quantitative analytics with hands‑on model development and deployment  
• Strong foundation in predictive modeling and applied statistical methods (e.g., logistic regression, tree‑based models, clustering)  
• Experience in consumer credit, fintech, banking, or another regulated financial services environment  
• Proficiency in Python and SQL for data analysis, modeling, and automation  
• Working knowledge of consumer credit concepts such as underwriting, delinquency, losses, or portfolio performance  
• Ability to communicate analytical findings clearly and influence decisions across technical and non‑technical partners 

Preferred Qualifications

• Experience with underwriting, account management, collections, fraud, or credit risk strategy 
• Familiar with cloud data platforms, modern analytics stacks, or ML deployment processes 
• Exposure to model monitoring, validation, documentation, or governance workflows 
• Master’s degree in a quantitative discipline 

Why work for us

At H&R Block, our purpose is simple: to provide help and inspire confidence in our clients and communities everywhere. For more than 70 years, we’ve led the tax industry and we continue to evolve through our Block Next strategy, blending human expertise with digital innovation. That same commitment to care extends to our associates. When you join us, you become part of a High Performing, Connected Culture built on strong relationships, continuous learning, and a shared commitment to making a meaningful impact. We invest in your well-being through competitive pay, comprehensive benefits, and support for life both in and outside of work.

Pay Range Information

The pay range for this position is listed below. Local minimum wage laws apply. This information is posted pursuant to local requirements to provide applicants with information about what they might be eligible to receive. Individual pay decisions will depend on job-related factors such as experience, education, skill, performance, and geographic location where work will be performed. Successful candidates may be able to participate in one or more incentive compensation or short-term incentive plans, which could generate additional earnings in accordance with the terms of each plan. Qualifying associates can enroll themselves and/or their eligible dependents in medical and prescription drug coverage; can participate in the H&R Block Retirement Savings Plan (401(k) Plan), the Employee Assistance Program, (virtual) fitness center programs, and the associate discount program; are automatically enrolled in Business Travel Accident Insurance; and receive Associate Tax Prep benefit.

Pay Range

$100,400.00 - $150,600.00/Yr.

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