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Credit Card Risk Management Jobs (NOW HIRING)

MQ Referrals Only

Credit Risk Manager

Build, review, and refine SMB and commercial credit card risk origination strategies, including line assignment, spend controls, and account management policies * Proactively adjust credit card ...

Capital One

Director, Card Risk Management

Mclean, VA · On-site

Director, Card Risk Management As a Director in Capital One's Card Risk organization, you will ... credit, create multi-channel experiences that are easy and rewarding and get the right solution.

Marqeta

Credit Risk Manager

Build, review, and refine SMB and commercial credit card risk origination strategies, including line assignment, spend controls, and account management policies * Proactively adjust credit card ...

Capital One

Director, Card Risk Management

Richmond, VA · On-site

Director, Card Risk Management As a Director in Capital One's Card Risk organization, you will apply your leadership and analytical skills to our highest profile Risk Management projects. You will ...

Marqeta

Credit Risk Senior Manager

$180K - $225K/yr

... card programs by shaping credit risk strategy across acquisition and account management, pricing, performance and portfolio monitoring, in partnership with cross functional execution teams across ...

MQ Referrals Only

Credit Risk Senior Manager

$180K - $225K/yr

... card programs by shaping credit risk strategy across acquisition and account management, pricing, performance and portfolio monitoring, in partnership with cross functional execution teams across ...

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Credit Card Risk Management information

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$86.5K

$158.3K

$239.5K

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

As of Jul 26, 2026, the average yearly pay for credit card risk management in the United States is $158,312.00, according to ZipRecruiter salary data. Most workers in this role earn between $133,500.00 and $177,500.00 per year, depending on experience, location, and employer.

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

AspectCredit Card Risk ManagementCredit Analyst
Primary FocusManaging risks associated with credit card portfoliosAssessing creditworthiness of individual borrowers
Work EnvironmentFinancial institutions, credit card companiesBanks, lending institutions
Required CredentialsFinance, risk management certifications often preferredFinance, accounting degrees, certifications like CFA

Credit Card Risk Management focuses on overseeing and mitigating risks related to credit card portfolios, while Credit Analysts evaluate individual credit applications. Both roles require financial knowledge and analytical skills, but their scope and daily tasks differ significantly.

What are some common challenges faced in Credit Card Risk Management roles, and how can they be addressed?

Professionals in Credit Card Risk Management often navigate challenges such as staying ahead of evolving fraud tactics, balancing risk controls with customer experience, and adapting to regulatory changes. Addressing these requires continuous learning, leveraging advanced data analytics, and maintaining strong communication with compliance, IT, and customer service teams. Proactively collaborating with cross-functional departments helps ensure that risk policies are both effective and customer-friendly, while regular training on new fraud trends keeps teams prepared.

What is credit card risk management?

Credit card risk management is the process of identifying, assessing, and mitigating risks associated with issuing and managing credit cards. This includes evaluating the creditworthiness of applicants, monitoring accounts for signs of fraud or default, and implementing policies to minimize financial losses for the credit card issuer. Professionals in this field use data analysis, risk modeling, and regulatory guidelines to ensure responsible lending and maintain the financial health of credit card portfolios.

What are the key skills and qualifications needed to thrive in Credit Card Risk Management, and why are they important?

To thrive in Credit Card Risk Management, you need strong analytical skills, knowledge of financial regulations, and experience with credit risk assessment, often supported by a degree in finance, economics, or a related field. Familiarity with risk modeling software, data analytics tools (such as SAS or SQL), and regulatory compliance systems is typically required. Attention to detail, critical thinking, and effective communication are important soft skills for making sound judgments and collaborating with cross-functional teams. These competencies are essential for identifying, mitigating, and managing potential credit risks to protect the financial health of the organization.
More about Credit Card Risk Management jobs
What states have the most Credit Card Risk Management jobs? States with the most job openings for Credit Card Risk Management jobs include:
What job categories do people searching Credit Card Risk Management jobs look for? The top searched job categories for Credit Card Risk Management jobs are:
Credit Card Risk Management jobs near you
Infographic showing various Credit Card Risk Management job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 85% Full Time, 13% Part Time, and 1% Contract. Highlights an 98% Physical, 1% Hybrid, and 1% Remote job distribution, with an average salary of $158,312 per year, or $76.1 per hour.

Credit Risk Manager

MQ Referrals Only

Remote

Full-time

Medical, Retirement

Posted 19 days ago

Job description

As Marqeta's Credit Risk Manager you will lead credit underwriting and account management for our SMB and commercial card programs, helping us launch and scale credit offerings for small, mid-market, and commercial businesses. You will drive innovation to establish best in class credit strategies in partnership with internal stakeholders and external bank partners and customers. You will create something unique in the embedded credit space: a marketplace that enables fintech apps, wallets, and merchants to offer credit products at scale.
Embedded within finance, this role will support Marqeta's evolving managed credit card programs by owning manual underwriting, account management, spend controls, line management, and portfolio monitoring for SMB and commercial customers, in partnership with cross functional execution teams across product, engineering, sales, operations and other functional areas.
We work Flexible First. This role can be performed remotely in the United States, only in one of our Premium or National locations, which you can review here.
This position is for an existing vacancy.
The Impact You'll Have
Credit Strategy & Policy
  • Own end-to-end manual underwriting for new SMB and commercial card customers, using both bureau data and cash flow analysis to make credit decisions
  • Build, review, and refine SMB and commercial credit card risk origination strategies, including line assignment, spend controls, and account management policies
  • Proactively adjust credit card policies based on portfolio performance and risk trends
  • Establish strategies that directly drive KPIs: approval rates, new accounts, loss rates, profit margin, and more

Modeling & Data
  • Partner with data scientists to build best-in-class commercial credit risk and cash flow models
  • Work with product to develop modern credit stacks and data strategies leveraging bureau, bank, and cash flow datasets, including financial statements, accounts payable, liquidity information, etc.

Account Management & Portfolio Monitoring
  • Manage credit lines, spend controls, and exposure across the SMB and commercial portfolio, taking proactive risk-based action on accounts as performance evolves
  • Build the tracking and early warning framework for the portfolio, including utilization, payment behavior, and concentration risk

Governance & Reporting
  • Draft underwriting and risk documentation
  • Support bank partners on model validation and governance
  • Report KPIs and risk performance to senior management regularly

Advisory & Cross-Functional Leadership
  • Serve as a risk consultant to bank partners and customers - recommending improvements to credit strategies
  • Collaborate across Banking, Product, Finance, and Capital Markets as an internal strategic resource and external-facing advisor
Who you are
Experience & Background
  • 5+ years building credit card risk and pricing programs, ideally at a fintech, with hands-on manual underwriting experience on SMB and/or commercial credit card products
  • Proven ownership across the SMB and commercial credit card lifecycle:
    • Manual underwriting using both bureau data and cash flow analysis, including financial statement analysis
    • Credit policy and risk strategy development, monitoring, and adjustment
    • Line assignment, spend controls, and account management strategy
    • Risk assessments for prospective customers
    • Acquisition strategy across card programs
  • Bachelor's degree in Finance, Business, Accounting, Economics, Statistics, Math, or a related field

Technical Skills
  • Expert in Excel and SQL modeling
  • Strong financial statement, accounts payable and liquidity analysis skills for SMB and commercial entities
  • Comfortable using data to build alignment across stakeholders with competing priorities

Collaboration & Communication
  • Experience working cross-functionally with product, engineering, finance, compliance, bank partners, and capital providers
  • Exceptional communicator - able to translate complex credit concepts for executive, partner, and cross-functional audiences (written and verbal)

Mindset & Adaptability
  • Comfortable in a build environment - moves fluidly between strategy and execution without a large supporting team
  • Thrives in fast-paced, dynamic settings with shifting priorities
  • Demonstrated ability to adapt credit strategies in response to portfolio performance changes or macroeconomic conditions
Your Manager
Neha Nanda, Senior Director, Credit Risk
Our (typical) process:
  1. Application Submission
  2. Recruiter video call
  3. Hiring manager video call
  4. Virtual "Onsite" consisting of 4-5, 45 min calls
  5. Offer!
Compensation and Benefits
Marqeta is a Flex First company which allows you to choose your best working environment, whether that be from home or at a company office. To support Flex First, we calibrate pay to a competitive value according to working location. Compensation is aligned according to three tiers within the United States:
  • National: A baseline tier that applies to most of the geographic territory of the United States.
  • Premium: Slightly elevated from the National tier, and oriented toward a narrower set of higher cost-of-living areas, such as Los Angeles CA and Seattle WA
  • Premium Plus: A tier for the most expensive working areas, like the San Francisco Bay area and New York City.

Visit this page or consult with a Recruiter to determine which tier would be applicable to you.
When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire base salary range for this position is:
  • National: $123,000 - $153,800
  • Premium: $133,100 - $166,400
  • Premium Plus: $144,700 - $180,900

We also believe in recognizing the contributions of our people. That's why we award annual bonuses to eligible employees, rewarding both individual performance and the success of the entire company.
Along with monetary compensation, Marqeta offers
  • Multiple health insurance options
  • Flexible time off - take what you need
  • Retirement savings program with company contribution and after tax contributions
  • Equity in a publicly-traded company and an Employee Stock Purchase Program
  • Family-forming benefits, fertility support, and up to 20 weeks of Parental Leave
  • Free therapy sessions, financial and professional coaching, and legal advice
  • Monthly stipend to support our remote work model
  • Annual "development dollars" to support our people growth and development
  • Through Flex First, the freedom to live and work wherever you and your family thrive

Apply