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Consumer Credit Risk Jobs (NOW HIRING)

Upstart

Credit Risk Manager

OR · On-site +1

You will be responsible for establishing the capability and leading credit portfolio monitoring and risk oversight across consumer lending products. You will build the frameworks, dashboards, and ...

Upstart

Credit Risk Manager

You will be responsible for establishing the capability and leading credit portfolio monitoring and risk oversight across consumer lending products. You will build the frameworks, dashboards, and ...

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All JobsConsumer Credit Risk Jobs

Consumer Credit Risk information

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$86.5K

$158.3K

$239.5K

How much do consumer credit risk jobs pay per year?

As of Jul 10, 2026, the average yearly pay for consumer credit risk in the United States is $158,312.00, according to ZipRecruiter salary data. Most workers in this role earn between $133,500.00 and $177,500.00 per year, depending on experience, location, and employer.

What is the difference between Consumer Credit Risk vs Consumer Credit Analyst?

AspectConsumer Credit RiskConsumer Credit Analyst
Primary FocusAssessing and managing credit risk for consumer loansAnalyzing credit data to evaluate individual borrower creditworthiness
ResponsibilitiesDeveloping risk models, monitoring portfolio risk, setting credit policiesReviewing credit reports, making lending recommendations, conducting financial analysis
Required CredentialsOften requires a degree in finance, economics, or related fields; certifications like CFA or credit risk certifications are commonSimilar credentials; degrees in finance or economics, plus relevant certifications
Work EnvironmentRisk management departments, financial institutions, credit bureausLending institutions, banks, credit agencies

Consumer Credit Risk professionals focus on managing and mitigating risks associated with consumer lending portfolios, while Consumer Credit Analysts primarily evaluate individual credit applications to support lending decisions. Both roles require similar qualifications and often work within the same industry environments, but their core functions differ in scope and focus.

What is consumer credit risk?

Consumer credit risk refers to the likelihood that a borrower, such as an individual or household, will fail to repay a loan or meet their financial obligations. This risk is assessed by lenders using various factors, including credit history, income level, and existing debts. Professionals in consumer credit risk analyze data to make informed decisions about lending, set appropriate interest rates, and help manage potential losses. Effective management of consumer credit risk is crucial for financial institutions to maintain profitability and minimize defaults.

What are the key skills and qualifications needed to thrive as a Consumer Credit Risk Analyst, and why are they important?

To excel as a Consumer Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial principles, and typically a degree in finance, economics, or a related field. Familiarity with risk modeling tools, statistical software such as SAS or Python, and risk management frameworks like Basel II/III is highly valued, along with relevant certifications such as FRM or CFA. Attention to detail, critical thinking, and effective communication are crucial soft skills for interpreting data and conveying risk insights to stakeholders. These competencies are essential for accurately assessing creditworthiness, minimizing financial losses, and supporting sound lending decisions.

How does a Consumer Credit Risk analyst typically collaborate with other departments within a financial institution?

Consumer Credit Risk analysts frequently work cross-functionally, partnering with teams such as underwriting, collections, product development, and compliance. They provide insights on credit policy impacts, contribute to the design of new lending products, and help ensure regulatory requirements are met. This collaboration ensures that risk assessments are integrated into business decisions, promoting sound credit practices while supporting growth objectives. Regular meetings and data sharing with these departments are common to align strategies and address emerging risks.
More about Consumer Credit Risk jobs
What states have the most Consumer Credit Risk jobs? States with the most job openings for Consumer Credit Risk jobs include:
What job categories do people searching Consumer Credit Risk jobs look for? The top searched job categories for Consumer Credit Risk jobs are:
Consumer Credit Risk jobs near you
Manager, Consumer Credit Risk - Chatsworth

Manager, Consumer Credit Risk - Chatsworth

Premier America Credit Union

Chatsworth, CA • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 9 days ago

Job description

Job Type
Full-time
Description
Overview:
The Manager, Consumer Credit Risk is responsible for day-to-day execution, monitoring, analysis, and recommendation support related to consumer credit risk. This role manages assigned credit risk activities within established policies, risk appetite, underwriting standards, and strategic direction set by the Vice President. The position reviews portfolio performance, delinquency, losses, exception trends, approval performance, scorecard and decision-system outcomes, and other portfolio indicators to identify risk trends and recommend changes for management review and approval. The manager partners with underwriting, operations, systems, compliance, collections, branches, dealers, and third-party originators to support consistent, data-informed, compliant lending decisions.
What You Will Do:
  • Ensures timely resolution of escalated branch or member issues and complaints.
  • Maintains working knowledge of regulatory compliance related to member services and financial services area to include (but not limited to): BSA reporting requirements, OFAC, USA Patriot ACT, Red Flags, Regulation CC, Regulation D, Regulation E, Truth in Savings, Truth in Lending, Privacy, etc.
  • Responsible for ensuring team members maintain regular contact with branches, brokers, dealerships and third-party vendors.
  • Identifies credit risk trends and prepares recommendations for policy, process, pricing, underwriting, or system enhancements for management review, approval, and escalation as appropriate.
  • Maintains a well-trained, efficient and productive team and ensure efforts are coordinated to meet performance.
  • Monitors assigned team's performance to established goals and provides regular updates to management regarding achievements, challenges, and recommended support needs.
  • Responsible for effective coaching and development of each team member.
  • Serves as an authority on vehicle tax and registration rules by geography, keeping abreast of changes as they are announced and communicating them to the team in a timely manner.
  • Supports defined goals and objectives by coordinating assigned initiatives, tracking progress, and preparing status updates. Supports the development and standardization of credit risk procedures, controls, and reporting practices approved, to improve consistency and effectiveness.
  • Works directly with the Department Managers to ensure efficiency and consistency across all consumer-lending areas.
  • Executes assigned consumer credit risk monitoring, portfolio review, underwriting quality review, and lending control activities under the direction of department executive.
  • Assumes responsibility for the day-to-day support and guidance to assigned staff.
  • Performs ongoing credit risk assessment of assigned consumer loan products and escalates material trends, exceptions, and recommended actions to the executives, including unsecured, secured, auto loans, credit cards and other related products and services.
  • Monitors and analyzes economic conditions, portfolio performance, delinquency, charge-off, approval, exception, and loss trends to support risk adjustments and management reporting.
  • Develops team member capability in credit risk assessment, portfolio analysis, risk mitigation, exception management, and critical thinking while escalating performance, resource, or authority matters to management.
  • Works with Systems and lending partners to test, validate, and document decision-manager rules, automated approvals, scorecard logic, and system controls approved by management or applicable governance authority.
  • Assumes responsibility for establishing and maintaining effective communication and coordination with Premier America staff and management.
  • Maintains a satisfactory or better audit review.
  • Adhere strictly to compliance and operational risk controls in accordance to Premier America's and regulatory standards, policies, and practices.
  • Stay informed of trends and changes in the Consumer Lending field.
  • Attend seminars and professional conferences as necessary.

Requirements
What We Are Looking For:
  • A minimum of three (3) years of similar or related experience.
  • Bachelor's degree in Finance, Accounting, Economics or related field.
  • Strong knowledge of consumer credit risk management, underwriting standards, credit policy, portfolio monitoring, loss mitigation, regulatory requirements, and Credit Union operations, practices, and procedures.
  • Knowledge of consumer loan origination systems, automated decisioning tools, core systems, credit bureau data, reporting tools, and portfolio analytics used to evaluate and monitor credit risk.
  • Ability to use a personal computer and related software applications including Microsoft Word and Excel.
  • Excellent communication (verbal and written) skills.
  • Excellent supervisory and training abilities.
  • Strong people management skills including providing feedback, performance management, and development of direct reports.
  • Strong organizational and problem-solving skills, with the ability to multi-task.
  • Ability to work well under pressure.
  • Ability to maintain an effective and efficient workflow.

Pay Grade Info :
The base pay range for this position is: $96k to $120k annually
Perks Important to You:
Our Team Members enjoy the following rewards and benefits:
• Competitive pay
• Subsidized health care including medical, dental and vision
• FSA and HSA
• Company-Paid Life and A&D insurance
• Discounts on loans (must be a member)
• Paid Vacation, Holiday, and Sick time
• 401k Retirement Saving Plan with a 6% safe harbor employer match
• Educational Assistance Program and more!
Equal Opportunity Employer - Veterans / Disabled
Drug-free Workplace

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