---
title: 'Credit Risk Data Scientist II at Coastal Community Bank'
canonical: 'https://feeny.ai/job/credit-risk-data-scientist-ii-coastal-community-bank-remote-d61h20q2s7xw'
type: 'job'
last_seen: '2026-09-12'
---

# Credit Risk Data Scientist II at Coastal Community Bank

- **Company:** Coastal Community Bank
- **Location:** Remote
- **Compensation:** $130k–$163k
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-08-20
- **Last confirmed live:** 2026-09-12
- **Apply:** https://jobs.ashbyhq.com/coastal/047ed860-0bec-4127-97ef-6cf6a7e3e8a5

## Job description

## ABOUT US

Coastal is at the forefront of modern banking, combining strong financial infrastructure with cutting-edge Banking-as-a-Service (BaaS) and fintech enablement strategies. We support not only individuals with their personal banking needs; we also empower businesses by integrating modern banking technology that drives growth, flexibility, and innovation.

At Coastal, we think and move like entrepreneurs; focused on impact, speed, and continuous improvement. We believe in working smart, collaborating deeply, and building solutions that unlock real potential. If you're someone who thrives in a fast-moving environment, loves solving complex problems, and wants to help shape the future of banking, we’d love to meet you.

Check out our video [here](https://www.youtube.com/watch?v=UCWaDxFnla8&ab_channel=CoastalCommunityBank)!

## OVERVIEW

Responsible for managing and overseeing the development, validation, and performance of internal credit risk models for the CCBX consumer portfolios and providing oversight of CCBX Partner models. These models are critical for credit loss forecasting, credit decisioning, risk management, and regulatory compliance. The role requires technical expertise, strong analytical skills, and deep knowledge of credit risk modeling, data science, and regulatory requirements.

## RESPONSIBILITIES TO INCLUDE

- Proficiently oversees the development, validation, and performance monitoring of all credit risk models used for decision-making, risk management, or regulatory reporting.
- Shows expert level proficiency in credit risk modeling & data science techniques (e.g., statistical, econometric, or machine learning methods) used for loss forecasting, credit decisioning, and other use cases.
- Proficiency in statistical software and tools such as R, Python, SAS, SQL, or other modeling and data analysis platforms.
- Has a strong business knowledge of consumer credit, including credit cards, personal loans, unsecured lending
- Manage the model governance framework, ensuring effective control processes for model development, production, and validation.
- Strong understanding of CECL standard, stress testing methodologies, loss forecasting, and macroeconomic scenario analysis.
- Analytical and problem-solving skills to assess model performance, conduct back testing, and make adjustments when necessary.
- Has a strong working knowledge of data management, data integrity, and data quality issues related to model inputs and outputs.
- Ability to develop and implement policies and procedures to monitor and validate credit risk models.
- Strong communication and presentation skills to interact with internal and external stakeholders, including senior management, auditors, and regulators.
- Ensure that credit modeling & data science activities align with the organization’s risk appetite and strategic goals.
- Provides leadership during project planning, execution, reporting, and follow-up on any action plans.

## QUALIFICATIONS

- Proven experience with credit risk modeling for EL (Expected Loss) using the PD (Probability of Default), LGD (Loss Given Default), and EAD (Exposure at Default) modeling framework.
- Experience in modeling oversight, governance, or validation functions within banking, financial services, or consulting.
- Deep expertise with machine learning, data science, and statistical techniques for developing credit loss forecasting models for stress testing, CECL, CCAR, and other use cases is required.
- Experience with CECL process including modeling, implementation, and production of quantitative and qualitative components.
- Familiarity with machine learning, data science, and statistical techniques for developing credit scorecards & origination credit underwriting is highly desirable.
- Familiarity with Basel III, IFRS 9, CCAR, Dodd-Frank, and other regulatory frameworks for credit risk models.
- Prior experience working with regulatory stress testing models (e.g., CCAR/DFAST) or impairment models (e.g., IFRS 9).

## EDUCATION/EXPERIENCE

- Bachelor’s degree in quantitative finance, Economics, Statistics, Mathematics, Data Science, Computer Science, or a related field.
- Master’s degree in a quantitative discipline (e.g., Financial Engineering, Data Science, Applied Mathematics) is preferred.
- 7+ years of experience in credit risk modeling, model development, validation, or model risk management, and forecasting techniques
- Prior experience with Machine learning, data science, and statistical modeling.

## HOW YOU’LL THRIVE AT COASTAL

- Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development.
- Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference.
- Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust.
- Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box.
- Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder.
- Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness and build your emotional intelligence.

## BEING YOU AT COASTAL

Coastal is an equal opportunity employer. We are committed to providing a workplace free from discrimination and harassment. All employment decisions are based on merit, qualifications, and business needs. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other protected status under applicable laws.

## BENEFITS WE OFFER

We’re proud to offer a comprehensive benefits package designed to support your health, financial well-being, and work-life balance. Our offerings include:

- Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle.
- Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions.
- Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs.
- Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly.
- Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents.
- Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury.
- Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most.
- 401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future.
- Paid Time Off: Generous vacation and sick leave policies to support your time away from work.
- Holidays: Enjoy 11 paid holidays throughout the year.

Check out our benefits on our [careers site](https://jobs.ashbyhq.com/coastal)!!

## PHYSICAL DEMANDS

The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee must be able to:

- Sit for extended periods of time.
- Stand for extended periods of time.
- Perform repetitive finger, hand, and arm movement.
- Use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc.
- View and read computer screens for extended periods.
- Occasionally stoop, kneel, crouch, or crawl.
- Occasionally lift or move up to 10 pounds.

## OTHER DUTIES

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

## About Coastal Community Bank

## Company Overview
- **One-liner**: Coastal Community Bank is a community bank that blends traditional banking with embedded finance solutions, serving small and medium-sized businesses, individuals, and fintech partners through its Banking as a Service (BaaS) division.
- **Entity Type**: Public (Nasdaq: CCB, holding company: Coastal Financial Corporation)
- **Headquarters**: Everett, Washington, USA
- **Founded**: 1997 (bank charter issued)
- **Founders**: Not publicly listed as a single founder; the bank was established as a community institution.

## Core Business
- Primary industry: Banking and Financial Services
- Target customers: Small and medium-sized businesses (SMBs), professionals, individuals in the Puget Sound area, and fintech companies/broker-dealers nationwide via BaaS.
- Mission or purpose statement: "Champion the small business person" and "making a positive difference in our communities."

## Products & Services
- **Community Banking (Retail & Business)**: Full-service personal and business banking including checking, savings, loans, mortgages, credit card processing, and treasury management services, offered through 14 full-service branches in Snohomish, Island, and King Counties, plus mobile and online banking. (Service)
- **CCBX (Banking as a Service)**: A fintech division that provides BaaS to financial technology companies and broker-dealers, allowing partners to deliver seamless banking services to their clients nationwide. (Service)
- **Credit Card Processing**: Solutions for businesses to accept payments online, in-store, or on the go. (Service)

## Market Standing
- **Valuation/Market Cap**: $2 Billion in Assets (milestone reached in recent years; exact market cap not disclosed on the site, but the IPO was completed in October 2018 on Nasdaq under ticker CCB).
- **Key Metric**: $2 Billion in Assets as of a recent milestone; Annual Revenue not publicly detailed on the site (public filings would be available via SEC).
- **Notable Investors/Partners**: Publicly traded on Nasdaq; partners include fintech companies and broker-dealers via the CCBX division.
- **Growth Signals**: Completed IPO in 2018 to raise capital for the BaaS division; grew from $1B to $2B in assets in a few years; largest community bank by deposit market share in Snohomish County; expanded from 7 to 12 branches post-recession, tripling market share.

## Competitive Advantages
- **Hybrid Model**: Seamlessly combines the trusted legacy of traditional banking with cutting-edge Embedded Finance (BaaS) solutions, offering a one-stop shop for both local businesses and national fintech partners.
- **Community Focus**: Deeply rooted in the Puget Sound area with a 22+ year history of community involvement, non-profit support, and local relationships, differentiating from large national banks.
- **Forward-Thinking**: Early mover in the BaaS space, going public to fund this division and positioning itself at the intersection of traditional banking and fintech innovation.

## Strategic Focus
- Current priorities include scaling the CCBX BaaS division to support growing fintech companies nationwide, continuing to expand its community banking footprint, and leveraging technology to improve efficiency and customer experience.
- Growth is driven by hiring skilled employees, expanding digital infrastructure, and maintaining a strong balance sheet.

## Why Work Here
- **Culture**: Values include "Be Relentless," "Stay Flexible," "Embrace Gray Thinking," and "Take Care of Each Other." Emphasizes work-life balance, community impact, and employee appreciation events.
- **Remote/Hybrid Policy**: Offers both remote and onsite employment options, with employees across 40 states and 215 cities in the U.S.
- **Notable Perks**: Competitive salary, medical/dental/vision insurance, PTO/holidays/vacation/sick time, 401(k) with match, subsidized gym and wellness programs, employee charitable giving fund, employee loan program, career mentoring, recognition programs, and employee logo wear.
- **Growth**: Strong focus on internal promotion and skill development with training programs in core banking, compliance, customer relations, and fintech solutions. Employees are encouraged to grow and advance.
- **Team Size**: Approximately 507 employees.

## Sources
1. [coastalbank.com](https://www.coastalbank.com/)
2. [coastalbank.com - About Us](https://www.coastalbank.com/about-us/)
3. [coastalbank.com - Careers](https://www.coastalbank.com/careers/)
4. [jobs.ashbyhq.com](https://jobs.ashbyhq.com/coastal)
5. [ir.coastalbank.com - Investor Relations](https://ir.coastalbank.com/overview/default.aspx)

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