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Consumer Credit Risk Jobs (NOW HIRING)

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site +1

The Risk Management function is dedicated to safeguarding the bank's assets and ensuring ... Perform ongoing assessment of the credit and financial strength of the commercial and consumer ...

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site

The Risk Management function is dedicated to safeguarding the bank's assets and ensuring ... Perform ongoing assessment of the credit and financial strength of the commercial and consumer ...

Attain Finance

Manager, Credit Risk

$120K - $160K/yr

Join a leading consumer credit lender that thrives on innovation and collaboration, where your ... At Attain Finance, managing risk is of the utmost importance to us. Our goal is to ensure we are ...

Splitit

Credit Officer & Head of Risk

Atlanta, GA · On-site

Lead the consumer credit and risk oversight function across our consumer lending products and industry segments, including portfolio risk management, evaluation of credit and financial performance.

Regional Finance

Manager Credit Risk

Plano, TX · On-site

As we continue to expand and grow into a national leader in consumer financing, we invite you to ... Job purpose The Manager, Credit Risk is responsible for performance analysis, operational reporting ...

Regional Finance

Manager Credit Risk

Plano, TX

As we continue to expand and grow into a national leader in consumer financing, we invite you to ... Job purpose The Manager, Credit Risk is responsible for performance analysis, operational reporting ...

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Showing results 21-40

All JobsConsumer Credit Risk Jobs

Consumer Credit Risk information

See salary details

$86.5K

$158.3K

$239.5K

How much do consumer credit risk jobs pay per year?

As of Aug 5, 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
Infographic showing various Consumer Credit Risk job openings in the United States as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $158,312 per year, or $76.1 per hour.

Credit Risk Analyst - Portfolio Management

Atlanticus Holdings Corporation

Atlanta, GA • On-site

Full-time

Medical, Retirement, PTO

Re-posted 15 days ago

Job description

When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being.
Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.
Office Location
  • Atlanta, GA

Work Culture
We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You'll be empowered to lead, grow, and make an impact.
The Role
  • What a day looks like:

The Risk Analyst, Portfolio Management, will support portfolio management strategy and key initiatives across the consumer credit risk lifecycle. This role is responsible for evaluating portfolio performance, identifying emerging credit trends, recommending strategic actions to senior leadership, and supporting initiatives that drive profitable growth and disciplined risk management. Key areas of focus include account management and/or acquisitions, pricing, credit bureau attributes, P&L drivers, portfolio scoring, and collections.
This position reports directly to the Vice President.
Key Responsibilities
  • Support end-to-end credit portfolio management strategies, including credit line increases and decreases, second-account acquisitions and account management, usage programs, over-limit authorization strategies, high-risk account management, retention, reissue, and related portfolio initiatives.
  • Monitor portfolio performance through ongoing review of asset quality reporting, delinquency, and loss trends.
  • Develop and present periodic credit risk updates, portfolio performance reviews, and strategic recommendations to senior leadership.
  • Design, develop, and evaluate new portfolio tests, strategies, and performance management initiatives.
  • Support the development, implementation, and ongoing monitoring of portfolio risk management models.
  • Partner cross-functionally with marketing, operations, technology, finance, and other business teams to ensure portfolio strategies align with broader organizational goals.

  • You're a great fit if you have:
  • Bachelor's degree in Finance, Business, Mathematics, Statistics, Economics, or a related field.
  • 0-4 years of relevant consumer credit risk experience within US consumer lending. Experience with US consumer credit cards is strongly preferred.
  • Cross-functional experience in areas such as portfolio management, acquisitions, loss forecasting, marketing, pricing, and profitability analytics is a plus.
  • Solid working knowledge of SAS, SQL, Python, or similar programming tools.
  • Strong analytical, interpretive, and problem-solving skills, with the ability to develop practical solutions to complex business challenges.
  • Some understanding of P&L dynamics and key profitability drivers within consumer lending.
  • Excellent written and verbal communication skills, with the ability to translate complex analysis into clear, actionable business insights.
  • Demonstrated ability to collaborate effectively with business partners across marketing, operations, technology, finance, and risk functions.

Why You'll Love Working Here
This isn't just a job, it's a place to lead, grow, and thrive. If you believe in your skills and drive, we'll provide the resources and support to help you succeed.
Benefits include:
  • Generous PTO and holiday schedule
  • 401(k) with company match
  • Employee stock purchase plan
  • Ongoing training (lunch & learns, financial and health webinars)
  • Team volunteer outings

Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status.

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