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Credit Card Analyst Jobs (NOW HIRING)

Citizens

Credit Card Sales Advisor

Johnston, RI · On-site

Refer to other areas for products that require complex financial analysis and expertise. respond to ... which may include initial credit, motor vehicle record, public record, prior employment ...

Citizens Bank

Credit Card Sales Advisor

Johnston, RI · On-site

Refer to other areas for products that require complex financial analysis and expertise. respond to ... which may include initial credit, motor vehicle record, public record, prior employment ...

Credit One Bank

Credit - Risk Analyst

Las Vegas, NV

Position Summary In the role of Risk Analyst, the position will primarily be responsible for ... Consumer credit card industry experience * Experience in digital and direct mail markets and ...

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Citizens

Credit Card Sales Advisor

Johnston, RI

Refer to other areas for products that require complex financial analysis and expertise. respond to ... which may include initial credit, motor vehicle record, public record, prior employment ...

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Credit Card Analyst information

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How much do credit card analyst jobs pay per hour?

As of Jun 28, 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.
Senior Consultant - Business Systems Analyst - Credit Card Marketing

Senior Consultant - Business Systems Analyst - Credit Card Marketing

Cognizant Technology Solutions

Ontario, CA • On-site

$86K - $101K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 6 days ago

Cognizant rating

7.4

Company rating: 7.4 out of 10

Based on 85 frontline employees who took The Breakroom Quiz

37th of 57 rated business consultants

Job description

Cognizant Consulting is more than Cognizant's consulting practice-we're a global community of 5,000+ experts dedicated to helping clients reimagine their business. Blending deep industry and technology advisory capabilities, we create innovative business solutions for Fortune 500 clients. And now, we're looking for our next colleague who will join us in shaping the future of business. Could it be you?
About the role
As a Senior Consultant - Business Systems Analyst - Credit Card Marketing, you will play a critical role in bridging credit card marketing business teams and technology partners. You will translate business needs into clear functional system requirements, support platform enhancements, and ensure marketing technology solutions effectively enable credit card portfolio strategies.
You will be a valued member of a cross-functional consulting team, working closely with credit card marketing stakeholders, technology and engineering partners, and delivery teams to support end-to-end marketing initiatives.
In this role, you will:
  • Elicit, document, and manage business and functional requirements, translating credit card marketing workflows-such as campaign setup, offer configuration, and loyalty programs-into BRDs, user stories, use cases, and process flows.
  • Act as the primary liaison between business and technology teams, supporting sprint planning, backlog grooming, and UAT to ensure marketing platforms meet evolving business needs.
  • Perform system integration analysis and data mapping across marketing platforms (e.g., CRM, campaign management, decisioning tools), ensuring accurate data flow between card processing, rewards, analytics, and downstream systems.
  • Support the design and enhancement of marketing technology solutions, including gap analysis, vendor evaluation, and definition of system requirements for acquisition, activation, spend, and retention campaigns.
  • Plan and execute User Acceptance Testing (UAT), including test scripts, defect tracking, and business sign-off, to validate system changes against marketing objectives and compliance requirements.

What you must have to be considered
  • Bachelor's degree in Information Systems, Business Administration, Computer Science, or a related field
  • 4-6 years of experience as a Business Systems Analyst, preferably within financial services or credit card / payments environments
  • Strong experience with requirements management and documentation (e.g., JIRA, Confluence, Azure DevOps)
  • Hands-on experience working in Agile/Scrum and Waterfall delivery models
  • Solid data analysis skills, including the ability to validate and map data across systems

These will help you succeed
  • Experience supporting credit card marketing platforms, CRM, campaign management, or decisioning tools
  • Exposure to customer data platforms (CDPs) and marketing system integrations
  • Ability to analyze and optimize end-to-end marketing processes and identify automation opportunities
  • Strong communication skills and comfort working with both business stakeholders and technical teams

Work model
We strive to provide flexibility wherever possible. Based on this role's business requirements, this is a remote position open to qualified appliacants in the United States. Regardless of your working arrangement, we are here to support a healthy work-life balance though our various wellbeing programs.
The working arrangements for this role are accurate as of the date of posting and may change based on client or project requirements. We will always be clear about role expectations.
Benefits
  • Medical, dental, vision and life insurance
  • 401(k) plan and contributions
  • Employee stock purchase plan
  • Employee assistance program
  • 10 paid holidays plus PTO
  • Paid parental leave and fertility assistance
  • Learning and development certifications and programs

Salary
The annual salary for this position is between $86,500.00 - $101,500.00depending on experience and other qualifications of the successful candidate.
Disclaimer: Salary, other compensation, and benefits are accurate as of the date of this posting and may be modified at any time, subject to applicable law.
About Cognizant:
Cognizant (Nasdaq: CTSH) is an AI Builder and technology services provider, bridging the gap between AI investment and enterprise value by building full-stack AI solutions for our clients. Our deep industry, process and engineering expertise enables us to build an organization's unique context into technology systems that amplify human potential, drive tangible outcomes and keep global enterprises ahead in a fast-changing world. See how at cognizant.ai or @cognizant.
Additional employment information
Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law.
Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview.
Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, state or local laws.
If you have a disability that requires reasonable accommodation to search for a job opening or submit an application, please email [email protected] for roles based in the Americas or [email protected] for roles based in India.

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