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Consumer Credit Jobs (NOW HIRING)

State of Colorado

Financial/Credit Examiner I

Denver, CO · On-site

$61K - $80K/yr

The Consumer Credit Unit exists to enforce the Colorado Uniform Consumer Credit Code (UCCC), the Deferred Deposit Loan Act (DDLA), the Colorado Consumer Equity Protection Act (CCEPA), the Colorado ...

State of Colorado

Financial/Credit Examiner I

Denver, CO · On-site

$61K - $80K/yr

The Consumer Credit Unit exists to enforce the Colorado Uniform Consumer Credit Code (UCCC), the Deferred Deposit Loan Act (DDLA), the Colorado Consumer Equity Protection Act (CCEPA), the Colorado ...

State of Colorado

Financial/Credit Examiner I

Denver, CO · On-site

$61K - $80K/yr

Consumer Protection Opening Date: 06/12/2026 Closing Date: 6/26/2026 11:59 PM Mountain FLSA ... A Financial/Credit Examiner career is a great opportunity for a professional with a passion for ...

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 ...

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Consumer Credit information

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How much do consumer credit jobs pay per hour?

As of Jun 20, 2026, the average hourly pay for consumer credit in the United States is $20.00, according to ZipRecruiter salary data. Most workers in this role earn between $19.95 and $19.95 per hour, depending on experience, location, and employer.

What is consumer credit?

Consumer credit refers to the ability of individuals to borrow money or access goods and services with the agreement to pay later. This includes loans, credit cards, lines of credit, and other financial products that allow consumers to finance purchases over time. Consumer credit is widely used for buying items like cars, appliances, and even everyday expenses. Responsible use of consumer credit can help build a strong credit history, but misuse can lead to debt and financial challenges.

What is the difference between Consumer Credit vs Loan Officer?

AspectConsumer CreditLoan Officer
Required CredentialsTypically a high school diploma or equivalent; some roles may require a certification in consumer creditOften requires a bachelor's degree; certifications like Mortgage Loan Originator (MLO) license may be needed
Work EnvironmentFinancial institutions, credit bureaus, or consumer finance companiesBanks, credit unions, mortgage companies, and lending institutions
Industry UsageFocuses on assessing individual consumers' creditworthiness and managing credit accountsInvolves evaluating loan applications, advising clients, and approving or denying loans

Consumer Credit professionals primarily assess and manage individual credit accounts, while Loan Officers focus on evaluating and approving loan applications. Both roles require knowledge of credit principles but differ in daily responsibilities and work settings.

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

To excel as a Consumer Credit Analyst, you need strong analytical skills, financial acumen, and typically a degree in finance, business, or a related field. Familiarity with credit scoring systems, financial modeling software, and relevant regulatory frameworks is essential. Attention to detail, critical thinking, and effective communication are crucial soft skills for interpreting data and presenting findings. These competencies ensure accurate credit assessments, risk mitigation, and sound lending decisions in the financial industry.

What are some common challenges faced by professionals working in consumer credit analysis, and how can they be addressed?

Consumer credit analysts often encounter challenges such as accurately assessing creditworthiness with limited or inconsistent customer information and keeping up with evolving lending regulations. Staying current with industry technology and maintaining a balance between risk management and customer service are essential. Addressing these challenges involves continuous professional development, leveraging advanced analytics tools, and collaborating closely with compliance and risk management teams to ensure responsible lending practices.
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Consumer Credit jobs near you
VP, Consumer & Counterparty Credit Risk

VP, Consumer & Counterparty Credit Risk

Cross River

Fort Lee, NJ • On-site

$200K - $250K/yr

Full-time

Posted 10 days ago

Job description

Who We Are
Cross River builds the infrastructure behind the world's most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively - trusted by leading fintechs, enterprises, and disruptors across the globe.
Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker's Best Places to Work in Fintech year after year. Whether you're designing code, solving regulatory puzzles, or developing strategy, you'll join a team where innovation and integrity drive everything we do - and where your work helps shape the future of finance.
What We're Looking For
Reporting into the Chief Credit Risk Officer, we are seeking a VP, Consumer Credit Risk & Counter Parrty who will be responsible for the 2nd line oversight of Consumer Credit Risk for retained Consumer Portfolios, Payments, and Structured Financing risk arising from lending against consumer assets to partners or settlement risk with payment processes.
The Head of Consumer Credit Risk will identify, assess, measure, and manage retained credit risk for consumer assets on CRB's balance sheet. This person will also be responsible for conducting independent credit risk assessments for consumer assets originated through partners, providing effective challenge to first line teams and partner risk teams, and ensuring that significant risks are promptly identified and collateralized.
Responsibilities:
  • Monitoring and continued enhancement of the credit risk appetite framework as applied to consumer assets.
  • Identify and develop credit risk metrics reporting (e.g., KRIs and KPIs) to continuously monitor and oversee risk of consumer assets
  • Provide effective challenge to first line and partner risk teams through independent reviews of critical credit risk processes which includes underwriting, and portfolio management, collections, and recoveries.
  • Independently review structured credit facilities offered to partners originating consumer assets.
  • Ongoing monitoring of consumer loan retained portfolios
  • Approval of limits and reserve settings
  • Escalate issues and emerging risks in accordance with risk appetite program to Chief Credit Risk Officer and senior management

Qualifications:
  • 15+ years leadership experience in consumer life-cycle risk management covering underwriting, portfolio management, collections, and recoveries.
  • Experience in profitability-based risk reward assessments (NPV) and use of model-based assessment frameworks.
  • Significant experience in unsecured closed end, and revolving products. Secured consumer product experience a plus.
  • Experience in end to end prime-sub-prime portfolio management
  • Experience with Payments, Nacha rules, and network chargeback rules.
  • Familiarity with Stress Testing
  • Strong business acumen with a risk-reward control perspective.
  • Familiarity with applicable consumer regulatory requirements.
  • Demonstrated ability to successfully manage multiple priorities under pressure;
  • Degree in quantitative or a related field

#LI-JJ1 #LI-Hybrid #LI-Onsite
Salary Range: $200,000.00 - $250,000.00
Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.
By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.

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