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Credit Card Risk Analyst Jobs (NOW HIRING)

Intuit

Senior Credit Risk Analyst - Fintech

New York, NY

$150K - $204K/yr

As a key analyst on the Credit Risk Management team for Intuit's business credit card product, this individual will be responsible for developing, optimizing and managing strategies for credit card ...

IntelliPro Group Inc.

Credit Risk Analyst

Plano, TX · On-site

Credit Risk Analyst Duration: 06+ Months Location: Plano, TX (Hybrid) Pay Range: $37/hr - $51/hr on W2 What we're looking for: * We are looking for a detail-oriented and data-driven Credit Risk ...

IntelliPro Group Inc.

Credit Risk Analyst

Plano, TX · On-site

$37 - $51/hr

Credit Risk Analyst Duration: 06+ Months Location: Plano, TX (Hybrid) Pay Range: $37/hr - $51/hr on W2 What we're looking for: * We are looking for a detail-oriented and data-driven Credit Risk ...

Calpine

Credit Risk Analyst

San Diego, CA

$70K - $88K/yr

Credit Risk Analysis 65% * Performs detailed credit risk analysis, including analysis of financial data and ratios, to qualify new and existing counterparties that meet established timelines and ...

Calpine

Credit Risk Analyst

San Diego, CA · On-site

$70K - $88K/yr

Credit Risk Analysis 65% * Performs detailed credit risk analysis, including analysis of financial data and ratios, to qualify new and existing counterparties that meet established timelines and ...

Credit One Bank

Credit Risk Analyst I - P1

Las Vegas, NV · On-site

... analysis). * Have fundamental knowledge of credit scoring, credit underwriting, and credit risk ... Consumer Credit Card industry experience Credit One Bank, N.A. is a data-driven financial services ...

Alliant

Principal Credit Risk Analyst

Chicago, IL · On-site

$119K - $204K/yr

Analyze origination risk factors and recommend improvements in underwriting criteria and loan ... as credit card, HELOCs, etc., and recommend line management strategies. * Support new data ...

Credit One Bank

Credit Risk Analyst I - P1

Las Vegas, NV · On-site

... analysis). * Have fundamental knowledge of credit scoring, credit underwriting, and credit risk ... Consumer Credit Card industry experience Credit One Bank, N.A. is a data-driven financial services ...

PSECU

Credit Risk Analyst

Harrisburg, PA

The Risk Analyst initiates and supports Credit Risk Management analysis and decisions using queries, reports, and visual tools. Produces and analyzes ongoing risk management reports and analyses.

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site

The Optum Bank Credit Risk Analyst will be responsible for assessing the credit risks that arise from the Bank's lending and investing activities. The Analyst will work with broader Risk Group as ...

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Credit Card Risk Analyst information

See salary details

$37K

$113.9K

$197.5K

How much do credit card risk analyst jobs pay per year?

As of Jul 15, 2026, the average yearly pay for credit card risk analyst in the United States is $113,881.00, according to ZipRecruiter salary data. Most workers in this role earn between $82,500.00 and $140,500.00 per year, depending on experience, location, and employer.

What are some common challenges faced by Credit Card Risk Analysts in their daily work?

Credit Card Risk Analysts often encounter the challenge of balancing fraud prevention with a positive customer experience. They must analyze large volumes of transaction data to identify unusual patterns without causing unnecessary account holds or declines for legitimate customers. Staying current with rapidly evolving fraud techniques and regulatory requirements is also essential. Collaboration with data scientists, compliance teams, and customer service is frequent to ensure holistic risk management and effective communication across departments.

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

To thrive as a Credit Card Risk Analyst, you need strong analytical skills, a background in finance or statistics, and a solid understanding of credit risk principles. Proficiency with data analysis tools like SAS, SQL, and Excel, as well as familiarity with risk modeling systems and credit bureau data, is typically required. Attention to detail, critical thinking, and effective communication are vital soft skills for interpreting data and collaborating with cross-functional teams. These competencies are crucial for identifying potential risks, minimizing losses, and ensuring the financial health of credit card portfolios.

What does a Credit Card Risk Analyst do?

A Credit Card Risk Analyst evaluates the potential risks associated with credit card lending and transactions. They analyze customer credit data, spending behavior, and market trends to identify potential fraud and minimize financial losses for the issuing bank or financial institution. Their responsibilities also include developing risk models, setting credit limits, and making recommendations to improve credit policies and procedures. By monitoring account activities and assessing overall creditworthiness, they help ensure responsible lending and protect the institution from significant risk exposure.
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Credit Card Risk Analyst jobs near you
Sr. Manager, Credit Risk Analytics - Credit Card

Sr. Manager, Credit Risk Analytics - Credit Card

Prosper

Charleston, WV • Remote

$190K - $230K/yr

Full-time

Posted 19 days ago

Job description

Your role in our mission

As the first peer to peer lending marketplace in the United States, Prosper has a history of innovation.  As a growing company that generates cash (rare in the valley), Prosper also has a history of generating results. 

The Senior Manager, Credit Risk Analytics is responsible for portfolio credit strategies and oversight of credit quality and performance of the Credit Card portfolios. They will be responsible for the life cycle of credit management including compliance with requirements of regulators and internal control and will recommend opportunities and propose resolutions for improved efficiency, effectiveness, and/or risk reduction for the portfolio. They will review, analyze, and enhance the risk strategies through the use of Machine Learning models and credit data to manage the portfolio growth while delivering expected returns.  They will work with cross-functional teams in Product, Engineering, Legal/Compliance and Marketing to deliver the credit strategies as per design.

The ideal candidate is expected to bring broad and in-depth consumer lending expertise to the team, be comfortable to be hands-on to guide team to develop strategies for automated credit decisions, own the end-to-end process to ensure the credit strategies are performing as expected to support business growth while managing credit losses effectively. They should be a passionate business and people leader who has the business acumen and domain expertise to guide the team to tackle challenges in novel and effective ways.  Making better, faster and more agile risk strategies keeps our marketplace competitive and ensures that we continue to deliver on our mission of advancing financial well-being.

How you’ll make an impact
  • Develop credit strategies to improve the credit performance by using data, ML/AI models and advanced analytics tools.
  • Turn findings/gaps into strategy enhancement to present recommendations to the Risk Management and broader Prosper community with the considerations of business impact and cost needed.
  • Ensure credit losses remain within the company’s defined risk appetite.
  • Bring innovative/out of the box thinking to make recommendations and approaching/solving problems.
  • Design and evaluate A/B tests, with a strong understanding of risk–return trade-offs.
  • Identify and evaluate new vendors / data sources and create business cases.
  • Partner with Product, Marketing and Engineering teams to implement strategies and monitor the strategy performance.
  • Conduct ad-hoc analysis related to risk management, investor services, product, and operations.
  • Analyze portfolio performance at a granular segment level on an ongoing basis, identify key performance drivers and emerging trends.
  • Work with legal and compliance team to ensure strategies and policies comply with all the regulatory requirements.
  • Have experience with credit loss forecast and stress testing exercise.
 
Skills that will help you thrive
  • Master’s degree in Business, Statistics, Mathematics, Engineering or Economics
  • 8+ years of experience managing credit risk for credit card portfolios, driving profitable growth while achieving risk management objectives.
  • Strong business acumen and extensive knowledge about credit management
  • 3+ years of people leadership experience
  • Outstanding thought leadership and skills to translate business problem into analytical problems; ability to build and enhance framework
  • Exceptional communication skills in both written and oral – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management team
  • A quick thinker and can handle questions on unfamiliar topics with convincing skills
  • A team player – collaborate with people across functions and a business owner mentality
  • Ability to work in fast-paced environment and meet deadlines without sacrificing quality
  • Ability to work productively in a remote/in-person hybrid working environment 
Resources to help you prosper
  • A connected experience: We prioritize high-touch collaboration and flexibility. Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote team member, we provide the digital-first tools and intentional culture to keep you synced and supported.
  • Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security.
  • Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage.
  • Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through Beneplace.
Compensation details: The salary for this position is $190k - $230k annually, plus bonus and generous benefits. In determining your salary, we will consider your location, experience, and other job-related factors.
#LI-AW1
#IND1
#LI-Remote

About Us

Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products.

Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper® Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at www.prosper.com.

We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!  
 
Our Values
  • Diversity expands opportunities
  • Collaboration creates better solutions
  • Curiosity fuels our innovation
  • Integrity defines all our relationships
  • Excellence leads to longevity 
  • Simplicity guides our user experience 
  • Accountability at all levels drives results
 
www.prosper.com
Our Story & Team  //   Our Blog 
 
Applicants have rights under Federal Employment Laws.
Family & Medical Leave Act (FMLA)
Equal Employment Opportunity (EEO)
Employee Polygraph Protection Act (EPPA) 
 
California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.
 
Illinois applicants: please click here to view our Artificial Intelligence Notice for Applicants.
 
At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.
 
Prosper is committed to an inclusive and diverse workplace. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical​​​ condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.
 

*All personal loans are made by WebBank.

¹The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.