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Credit Card Analyst Jobs (NOW HIRING)

NC SECU

Credit Card Systems Manager

Yonkers, NY · On-site

Credit Card Systems is a project driven department where the content of assignments and duties ... Analyze results of system and integrated testing in conjunction with business stakeholders to ...

Nabors Industries Limited

Credit Analyst

Houston, TX · On-site

The Credit Analyst I will be responsible for evaluating customer creditworthiness, analyzing ... Card Department functions. All duties are performed in full compliance and accordance with ...

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How much do credit card analyst jobs pay per hour?

As of Jun 29, 2026, the average hourly pay for credit card analyst in the United States is $51.49, according to ZipRecruiter salary data. Most workers in this role earn between $51.44 and $51.44 per hour, depending on experience, location, and employer.

Will a credit analyst be replaced by AI?

Credit analysts play a key role in assessing creditworthiness and making lending decisions. While AI and automation tools can handle data analysis and streamline processes, human judgment remains essential for interpreting complex financial information and making nuanced decisions. Therefore, AI is likely to augment rather than fully replace credit analysts in the near future.

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

To thrive as a Credit Card Analyst, you need strong analytical abilities, financial acumen, and a background in finance, mathematics, or a related field, often supported by a bachelor's degree. Familiarity with data analysis tools like Excel, SQL, and business intelligence software, as well as knowledge of credit risk assessment systems, is essential. Attention to detail, problem-solving, and effective communication are key soft skills that help in interpreting data and collaborating with cross-functional teams. These competencies are crucial for effectively evaluating credit card portfolios, managing risk, and supporting business growth.

What does a credit card analyst do?

A credit card analyst evaluates credit card applications, analyzes customer creditworthiness, and monitors credit risk. They review financial data, assess fraud risk, and use tools like credit scoring models to make informed decisions, often working with financial software and adhering to industry regulations.

Do credit analysts make good money?

Credit analysts typically earn a competitive salary that varies by experience, location, and industry. According to industry data, the median annual wage for credit analysts is around $60,000 to $70,000, with potential for higher earnings with advanced certifications or senior roles. The job often requires strong analytical skills and knowledge of financial software tools.

What are some common challenges faced by Credit Card Analysts when assessing credit risk and how can they be overcome?

Credit Card Analysts often encounter challenges such as incomplete applicant information, rapidly changing credit behavior, and evolving fraud tactics. To overcome these, analysts rely on advanced data analytics, stay updated with industry best practices, and collaborate closely with risk management and fraud prevention teams. Continuous learning and leveraging new technologies like machine learning models also play an essential role in accurately assessing risk and making informed decisions.

How much is the salary of a credit analyst?

The salary of a credit analyst typically ranges from $50,000 to $70,000 annually, depending on experience, location, and the size of the employer. Entry-level positions may start lower, while experienced analysts or those in senior roles can earn over $80,000. Certifications like the CFA or CPA can also influence earning potential.

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

AspectCredit Card AnalystCredit Risk Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; certifications like CFA or CCFABachelor's degree in finance, economics, or related; certifications like FRM or CFA
Work EnvironmentFinancial institutions, credit card companies, banksBanking, lending institutions, credit agencies
Employer & Industry UsageFocuses on credit card portfolios, customer creditworthiness, and product profitabilityAssesses overall credit risk, loan portfolios, and lending policies

While both roles analyze credit data, a Credit Card Analyst specializes in credit card portfolios and customer behavior, whereas a Credit Risk Analyst evaluates broader lending risks across various financial products. Both roles require similar credentials and work in related environments, but their focus areas differ within the credit industry.

More about Credit Card Analyst jobs
What states have the most Credit Card Analyst jobs? States with the most job openings for Credit Card Analyst jobs include:
What are popular job titles related to Credit Card Analyst jobs? For Credit Card Analyst jobs, the most frequently searched job titles are:
Credit Card Analyst jobs near you
Infographic showing various Credit Card Analyst job openings in the United States as of June 2026, with employment types broken down into 53% Full Time, 43% Part Time, 3% Temporary, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $107,090 per year, or $51.5 per hour.
Lead Analyst, Credit Card Strategy and Analytics

Lead Analyst, Credit Card Strategy and Analytics

OneMain Financial

Charlotte, NC • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 2 days ago

OneMain Financial rating

7.6

Company rating: 7.6 out of 10

Based on 97 frontline employees who took The Breakroom Quiz

106th of 139 rated financial services

Job description

Lead Analyst, Credit Card Strategy and Analytics
Location: Charlotte, NC (Hybrid schedule)
OneMain Financial is looking for a Lead Strategy Analyst to join our Card Analytics team in Charlotte, NC or Wilmington, DE. This is an exciting opportunity to develop risk management strategies and provide analytics insights to mitigate losses as well as enable future growth of our credit card portfolio.
In the Role
  • Working with various partners the role will have responsibilities of reporting, strategy implementation, strategy validation, and ad-hoc analyses including customer segmentation, competitive analysis, sensitivity analysis, and modeling.
  • A successful candidate will expand their competencies and grow their business and industry acumen, as well as demonstrate the ability to work on complex processes or projects across the end-to-end project cycle. They will gain knowledge to suggest new answers to old questions, develop insights and push the traditional boundaries of the lending industry.
  • Under manager guidance, design, recommend, document, and execute targeting optimization using multiple disparate data sources.
  • Utilize data query tools (SQL, SAS, Python) and analytical software to develop, test, and execute new strategies.
  • Implement quality control processes to ensure data accuracy.
  • Continually enhance existing processes and reporting through automation, quality control, presentation, and insights.
  • Effectively summarize and present results and insights to management.
  • Innovative and capable of developing a highly analytical approach to solving problems

Requirements
  • Bachelor's degree (Graduate Preferred) in a quantitative discipline, such as Engineering, Statistics, Economics, Business Management, or Computer Science and 3+ years of related experience required.
  • SQL knowledge highly preferred
  • SAS experience preferred
  • Strong Excel/MS Office skills required
  • 3+ years of experience in a complex, data-driven problem-solving environment
  • Lending or consumer finance industry experience preferred

Who we Are
OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future.
Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain.
Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. That's why we've packed our comprehensive benefits package for full- and some part-timers with:
  • Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
  • Up to 4% matching 401(k)
  • Employee Stock Purchase Plan (10% share discount)
  • Tuition reimbursement
  • Paid time off (15 days' vacation per year)
  • Paid sick leave as determined by state or local ordinance, prorated based on start date
  • Paid holidays (11 days per year, based on start date)
  • Paid volunteer time (3 days per year, prorated based on start date)

OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) employer. Qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship status, color, creed, culture, disability, ethnicity, gender, gender identity or expression, genetic information or history, marital status, military status, national origin, nationality, pregnancy, race, religion, sex, sexual orientation, socioeconomic status, transgender or on any other basis protected by law.

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