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Credit Card Risk Management Jobs in Texas (NOW HIRING)

VIP Staffing

Credit Card Clerk

New Braunfels, TX · On-site

$18.75/hr

... Manager. Duties and Responsibilities: * Provides administrative support for the credit department including taking phone calls, working return mail, trade references, monitor weekly and cash accounts ...

Capital One

Director, Risk Management

Plano, TX · On-site

Director, Risk Management Come be a part of an organization that's dedicated to helping Capital One ... including Credit Card, Bank and Auto. Additionally, this role will be responsible for ...

Equipment & Trucking Company

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Corporate Credit Card & Expense Specialist

Houston, TX · On-site

As our Corporate Credit Card & Expense Specialist, your primary responsibility will be managing and monitoring the company's corporate credit card program through our expense management system. You ...

T-Mobile

Analyst, Credit Risk Mgmt - Strategy

Frisco, TX · On-site

$83K - $151K/yr

As an Analyst within the Credit Risk Management team, you will wear multiple hats. You will use your strong blend of analytical skills, project management, presentation skills, and ability to develop ...

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Credit Card Risk Management information

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 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 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.

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 popular job titles related to Credit Card Risk Management jobs in Texas?

For Credit Card Risk Management jobs in Texas, the most frequently searched job titles are:

What job categories do people searching Credit Card Risk Management jobs in Texas look for?

The top searched job categories for Credit Card Risk Management jobs in Texas are:

Credit Card Risk Management jobs near you
Infographic showing various Credit Card Risk Management job openings in Texas as of August 2026, with employment types broken down into 1% As Needed, 82% Full Time, 13% Part Time, 3% Contract, and 1% Nights. Highlights an 82% Physical, 3% Hybrid, and 15% Remote job distribution.

Senior Director, Credit Risk Management

Richardson, TX • Remote

RealPage, Inc.
Software Development • 5 - 10K employees
Learn more about RealPage, Inc.external

$140K - $239K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 18 days ago

Key responsibilities

  • Own the end-to-end credit risk strategy for the company's payments and fintech portfolio, including merchant/counterparty underwriting, exposure limits, reserve requirements, and loss forecasting.

  • Design, implement, and continuously refine credit risk policies, scorecards, and underwriting models.

  • Monitor portfolio performance and proactively identify emerging risk trends across merchant segments, verticals, and payment products.

RealPage rating

6.0

Company rating: 6.0 out of 10

Based on 9 frontline employees who took The Breakroom Quiz

Job description

We are seeking an experienced Senior Director of Credit Risk Management to lead the credit risk function for our payments and fintech platform. This role owns the strategy, policies, and infrastructure that manage counterparty, merchant, and transactional credit exposure across our payment products — including merchant acquiring, lending, and embedded finance offerings. The ideal candidate combines deep quantitative credit risk expertise with hands-on leadership of underwriting, portfolio monitoring, and loss mitigation teams, and partners closely with Product, Data Science, Finance, Compliance, and Operations to balance growth with prudent risk management. 


  • Own the end-to-end credit risk strategy for the company's payments and fintech portfolio, including merchant/counterparty underwriting, exposure limits, reserve requirements, and loss forecasting.
  • Design, implement, and continuously refine credit risk policies, scorecards, and underwriting models to balance risk appetite with revenue and conversion goals.
  • Build and lead a high-performing team of credit risk managers and analysts; set goals, coach performance, and develop talent.
  • Monitor portfolio performance (delinquency, chargebacks, default rates, loss ratios) and proactively identify emerging risk trends across merchant segments, verticals, and payment products.
  • Partner with Data Science/Analytics to develop and validate credit scoring models, machine-learning underwriting tools, and early-warning indicators.
  • Set and manage credit risk appetite, exposure limits, and reserve/collateral policies in partnership with Finance and Treasury.
  • Lead loss mitigation, collections strategy, and workout processes for delinquent or high-risk accounts.
  • Present credit risk metrics, portfolio health, and key decisions to executive leadership, Risk Committee, and the Board as needed.
  • Ensure credit risk practices comply with applicable regulatory requirements (e.g., card network rules, BSA/AML-adjacent controls, state lending regulations) in partnership with Legal and Compliance.
  • Own credit risk components of due diligence for new products, partnerships, and market expansion, including BNPL, embedded lending, and merchant cash advance offerings.
  • Drive automation and scalability of credit underwriting and monitoring processes to support rapid business growth.
  • Manage relationships with external data providers, bureaus, and risk technology vendors. 

 
  • 12+ years of progressive experience in credit risk management, with at least 5–7 years in a senior leadership role; payments, fintech, card issuing/acquiring, or commercial lending background strongly preferred.
  • Bachelor's degree in Finance, Economics, Statistics, or related field required; MBA or advanced quantitative degree a plus. 

KNOWLEDGE/SKILLS/ABILITIES  

  • Proven experience building or scaling a credit risk function, including underwriting frameworks, portfolio monitoring, and loss mitigation at a high-growth or transaction-volume business.
  • Strong quantitative background: experience with credit scoring models, statistical/ML-based underwriting, and portfolio risk analytics.
  • Track record of managing exposure and losses across a merchant or borrower portfolio, including chargeback/dispute risk, fraud-adjacent losses, and counterparty default.
  • Deep understanding of payments ecosystem dynamics (card networks, ACH, merchant acquiring, or lending) and related regulatory frameworks.
  • Demonstrated people leadership: hiring, developing, and managing credit risk or underwriting teams.
  • Excellent executive communication skills, with experience presenting to senior leadership, Risk Committees, or Boards.
  • Experience with SQL, Python, R, or similar tools for risk analytics preferred. 
 
SALARY AND BENEFITS
 
RealPage provides a competitive salary package along with a comprehensive benefit plan that includes:
  • Health, dental, and vision insurance.
  • Retirement savings plan with company match.
  • Paid time off and holidays.
  • Professional development opportunities.
  • Performance-based bonus based on position.

#LI-AS2

#LI-REMOTE

 
Compensation may vary depending on your location, qualifications including job-related education, training, experience, licensure, and certification, that could result at a level outside of these ranges. Certain roles are eligible for additional rewards, including annual bonus, and sales incentives depending on the terms of the applicable plan and role as well as individual performance.
 
Equal Opportunity Employer: RealPage Company is an equal opportunity employer and committed to creating an inclusive environment for all employees.

USD $140,600.00 - USD $239,400.00 /Yr.

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