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Credit Card Underwriter Jobs (NOW HIRING)

Bank Iowa

Credit Card Specialist

West Des Moines, IA · On-site

Work cross functionally with our credit card underwriter, finance department, operations team, client experience team, and retail staff members. * Serve as the Subject Matter Expert (SME) on credit ...

Bank Iowa

Credit Card Specialist

West Des Moines, IA · On-site

Work cross functionally with our credit card underwriter, finance department, operations team, client experience team, and retail staff members. * Serve as the Subject Matter Expert (SME) on credit ...

Bank Iowa

Credit Card Specialist

West Des Moines, IA · On-site

Work cross functionally with our credit card underwriter, finance department, operations team, client experience team, and retail staff members. * Serve as the Subject Matter Expert (SME) on credit ...

BANK IOWA

Credit Card Specialist

West Des Moines, IA · On-site

Work cross functionally with our credit card underwriter, finance department, operations team, client experience team, and retail staff members. * Serve as the Subject Matter Expert (SME) on credit ...

BANK IOWA

Credit Card Specialist

West Des Moines, IA · On-site

Work cross functionally with our credit card underwriter, finance department, operations team, client experience team, and retail staff members. * Serve as the Subject Matter Expert (SME) on credit ...

Bank of Colorado

CREDIT CARD CSR

Papillion, NE · On-site

Performs various credit card duties. Responsibilities And Duties Researches customer requests ... underwriting, and collections. May assist in various other areas of operations. Performs other ...

Alliant

Director, Head of Credit Card Business

Chicago, IL · On-site

$149K - $256K/yr

Partner closely with Credit and Risk to ensure credit strategies, underwriting approaches, line ... card portfolio performance, financial outcomes, credit trends, operational execution, member ...

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Credit Card Underwriter information

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$46.5K

$87.3K

$148.5K

How much do credit card underwriter jobs pay per year?

As of Aug 18, 2026, the average yearly pay for credit card underwriter in the United States is $87,290.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,000.00 and $101,500.00 per year, depending on experience, location, and employer.

What is a credit card underwriter?

A Credit Card Underwriter is responsible for evaluating credit card applications to determine an applicant’s creditworthiness. They analyze financial data, credit history, income, and risk factors to assess whether an applicant meets the lender’s criteria. Using underwriting guidelines and risk assessment tools, they decide on approvals, rejections, or credit limits. Their goal is to minimize financial risk while ensuring responsible lending practices.

What are the key skills and qualifications needed to thrive as a credit card underwriter?

To thrive as a Credit Card Underwriter, you need a strong background in financial analysis, risk assessment, and a solid understanding of credit principles, typically supported by a degree in finance, business, or a related field. Proficiency with credit scoring systems, underwriting software, and familiarity with regulatory frameworks such as Fair Credit Reporting Act (FCRA) is essential. Strong attention to detail, analytical thinking, and effective communication skills help you excel in making sound decisions and explaining credit decisions. These skills and qualities are crucial for ensuring accurate risk evaluation, regulatory compliance, and maintaining the financial health of the organization.

What are some typical challenges faced by credit card underwriters in their daily work?

Credit Card Underwriters often navigate the challenge of balancing risk management with meeting organizational targets for approval rates. They must analyze large volumes of applications efficiently while ensuring accuracy and compliance with lending regulations. Staying updated on changing credit policies and adapting to new underwriting technologies can also be demanding. However, these challenges help underwriters sharpen their analytical skills and play a vital role in safeguarding the institution's portfolio. Most employers provide ongoing training and resources to help underwriters succeed in this dynamic environment.

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Cities with the most Credit Card Underwriter job openings:

What states have the most Credit Card Underwriter jobs?

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Credit Card Underwriter jobs near you
Infographic showing various Credit Card Underwriter job openings in the United States as of August 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $87,290 per year, or $42 per hour.

Credit Card Underwriting Manager

Bakkt Financial Solutions I LLC

Remote

Full-time

Re-posted 19 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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