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Credit Card Analyst Jobs (NOW HIRING)

Blend360

Credit Card Strategist

Minneapolis, MN · On-site

$85K - $98K/yr

Analyze consumer credit card portfolio performance across the customer lifecycle, including acquisition, activation, engagement, retention, and reactivation initiatives. * Identify trends, customer ...

Blend360

Credit Card Strategist

Minneapolis, MN

$85K - $98K/yr

Analyze consumer credit card portfolio performance across the customer lifecycle, including acquisition, activation, engagement, retention, and reactivation initiatives. * Identify trends, customer ...

NC SECU

Credit Card Systems Manager

Yonkers, NY

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 ...

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How much do credit card analyst jobs pay per hour?

As of Aug 8, 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.

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, assesses customer creditworthiness, and monitors credit risk. They analyze financial data, use credit scoring tools, and ensure compliance with lending policies to make informed approval decisions and manage credit portfolios.

What are some common challenges faced by a credit card analyst 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.

Do credit card analysts make good money?

Credit card analysts typically earn a competitive salary that varies based on experience, location, and employer. Entry-level analysts may start with lower wages, while experienced professionals with certifications can earn higher compensation, often including bonuses and benefits. The role requires analytical skills and knowledge of financial products, which can 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.

Is it hard to become a credit card analyst?

Becoming a credit card analyst typically requires a bachelor's degree in finance, economics, or a related field, along with strong analytical skills and knowledge of credit reporting and risk assessment. Gaining experience through internships or entry-level finance roles can also be helpful, and some positions may require certifications like the CFA or credit analysis training. Overall, it involves a combination of education, skills, and experience, but it is achievable with dedicated effort.
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 August 2026, with employment types broken down into 1% Internship, 79% Full Time, 19% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $107,090 per year, or $51.5 per hour.

Credit Card Underwriting Manager

Bakkt Financial Solutions I LLC

Remote

Full-time

Re-posted 9 days ago

Job description

Powering the next generation of global finance
About Us
Founded in 2018, Bakkt, Inc. is a regulated financial technology company building infrastructure for the future of finance. Bakkt's platform serves financial institutions, fintechs, and consumer finance products - providing the compliance, security, and scale required to deliver trusted financial services at a global level. Through its core business pillars, Bakkt powers institutional-grade trading capabilities, AI-enabled programmable finance, and cross-border payment infrastructure.
Job Summary
We are seeking a seasoned and strategic Credit Card Underwriting Manager to establish and own the comprehensive credit risk framework for our new credit card program. This critical, high-impact role will be responsible for managing application quality, designing automated and manual decisioning processes, owning the administration and performance of the Loan Origination Platform, and setting the program's overall credit risk strategy. The manager is accountable for protecting the program from credit and fraud losses, ensuring strict regulatory compliance, and proactively managing the credit risk profile and the through the door quality of the portfolio.
Reporting Structure
  • Direct Report to Head of Credit Card
Primary Responsibility
Establish and drive the end-to-end credit risk management lifecycle in a de novo environment, encompassing the Credit Risk Policy framework, implementation and integration of the Loan Origination System (LOS), application quality assessment, automated and manual decisioning, and managing post-approval credit monitoring, all while ensuring strict program compliance with key financial regulations (Reg B, FCRA).
Key Responsibilities & Essential Functions
  • Credit Policy & Underwriting:
    • Establish and own the foundational Credit Risk Policy framework.
    • Define and manage the underwriting rules and logic within the Loan Origination System (LOS).
    • Conduct Manual Reviews on "Refer" applications, including thorough KYC and Income verification.
    • Own and manage the Adverse Action process and the delivery of all required credit notices, ensuring strict compliance with Regulation B (Reg B) and the Fair Credit Reporting Act (FCRA).
    • Continuously monitor and update the Credit Policy buy box based on emerging market trends and performance data.
    • Oversee model governance, including performance monitoring, recalibration, and coordinating independent model validation.
  • Risk Monitoring & Fraud Management:
    • Proactively monitor the performance, stability, and validity of the automated credit scoring model.
    • Identify and mitigate complex emerging fraud trends, such as "Sleeper" fraud (synthetic identities).
    • Coordinate with Operations team on Collections and report on the Delinquency Pipeline, including Early-stage collections and roll rates.
  • Vendor & Stakeholder Management:
    • Manage the relationship and technical integration with the Loan Origination System (LOS) provider and credit bureau partners (for both origination and monthly credit reporting).
    • Ensure the Credit Bureau reporting of the Metro2 file is successful executed and respond to Credit Bureau inquiries & escalations in a timely manner
    • Coordinate vendor selection and integration with Compliance, Legal, and Analytics teams to ensure all underwriting systems adhere to regulatory requirements.
    • Serve as the primary credit risk liaison with the Sponsor Bank, ensuring all credit policies and underwriting rules operate within their defined risk appetite and are approved.
  • Team Support:
    • Serve as the backup and escalation resource for the Head of Credit Card, and support other credit card team members as needed.
    • Provide additional duties not explicitly referenced as required by the Head of Credit Card
Qualifications
  • Proven experience in credit card underwriting and credit risk management, including a deep understanding of credit scoring models and compliance with Adverse Action regulations.
  • Demonstrated ability to manage and update Credit Risk Policy frameworks and buy boxes.
  • Strong analytical skills for monitoring automated model performance, portfolio delinquency, and identifying emerging fraud trends.
  • Experience with KYC and credit quality verification processes for manual application reviews.
  • Expertise in relevant consumer credit regulations, including Reg B and FCRA.
  • Excellent problem-solving and communication skills for working with cross-functional teams in a highly matrixed fast paced environment
  • Extensive experience in working with external vendors, including Loan Origination Systems, Credit Bureaus, KYC & Fraud providers.

Bakkt is devoted to having diversity in its workforce and is proud to be an equal opportunity employer. Bakkt does not make any employment decisions based on race, color, religion, sex, national origin, veteran status, disability, age, sexual orientation, gender identity or any other characteristic protected by law. Must successfully pass a post-offer background check and drug screen.
California Candidate Privacy Notice
Before submitting your application, please review Bakkt's California Candidate Privacy Notice and Notice at Collection, which explains how Bakkt collects, uses, retains, and discloses applicant and candidate personal information during the recruiting process. The notice is available here: https://bakkt.com/candidate-privacy/

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