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Credit Operations Jobs (NOW HIRING)

Affiniti

Credit Operations

Manhattan, NY · On-site

Credit Operations Cash flow is the defining financial challenge for small businesses in America. Revenue is lumpy, expenses don't wait, and most SMB owners have never had a financial partner that ...

United Prairie

Credit Operations Specialist

Mankato, MN · On-site

$22.22 - $31.72/hr

Credit Operations Specialist Join a team that is excited to plan and prepare for the continued growth of the company! United Prairie Bank is hiring a Credit Operations Specialist in our Mankato ...

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Credit Operations information

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$15

$32

$42

How much do credit operations jobs pay per hour?

As of Aug 23, 2026, the average hourly pay for credit operations in the United States is $32.54, according to ZipRecruiter salary data. Most workers in this role earn between $25.24 and $38.22 per hour, depending on experience, location, and employer.

What is credit operations?

Credit Operations refers to the processes and tasks involved in managing a company's credit-related activities, such as evaluating credit applications, monitoring credit limits, processing loans, and ensuring compliance with credit policies. Professionals in Credit Operations work to minimize financial risks by assessing the creditworthiness of clients and maintaining accurate records. They also collaborate with other departments to ensure smooth and efficient financial transactions while adhering to regulatory requirements.

What are the key skills and qualifications needed to thrive in credit operations?

To thrive in Credit Operations, you need strong analytical skills, attention to detail, and a solid understanding of credit risk assessment, often supported by a degree in finance, accounting, or business. Familiarity with credit management software, financial modeling tools, and regulatory compliance systems is typically required. Excellent communication, problem-solving, and organizational skills help professionals effectively manage credit processes and collaborate with clients and internal teams. These skills and qualities are vital to ensure accurate credit evaluation, minimize risk, and maintain smooth financial operations.

What are some common challenges faced in a credit operations role, and how can they be addressed?

Professionals in Credit Operations often encounter challenges such as managing large volumes of transactions, ensuring regulatory compliance, and maintaining accuracy under tight deadlines. Addressing these challenges requires strong attention to detail, effective time management, and regular communication with internal teams such as risk, compliance, and sales. Many organizations support their Credit Operations teams with regular training, clear process documentation, and technology solutions to streamline workflows and reduce manual errors.

What is the difference between Credit Operations vs Credit Analyst?

AspectCredit OperationsCredit Analyst
Primary RoleManages credit processes, risk assessment, and loan approval workflowsAnalyzes credit data to assess borrower risk and make lending recommendations
Required SkillsProcess management, risk assessment, compliance knowledgeFinancial analysis, credit scoring, data interpretation
Work EnvironmentBanking, financial institutions, credit departmentsBanking, lending firms, financial services
CertificationsTypically none required, but certifications like CFA or credit-specific courses helpCertifications like CFA, Credit Risk Certification often preferred

While both roles are integral to the credit industry, Credit Operations focuses on managing credit processes and workflows, ensuring compliance and efficiency. Credit Analysts primarily evaluate individual creditworthiness through data analysis to inform lending decisions. Understanding these differences helps job seekers target the right roles based on their skills and career goals.

What do credit operations do?

Credit operations involve managing and processing credit-related activities such as reviewing credit applications, assessing creditworthiness, monitoring credit accounts, and ensuring compliance with credit policies. Professionals in this field use tools like credit scoring systems and financial analysis to support lending decisions and minimize risk.
More about Credit Operations jobs

What states have the most Credit Operations jobs?

States with the most job openings for Credit Operations jobs include:

What job categories do people searching Credit Operations jobs look for?

The top searched job categories for Credit Operations jobs are:

Credit Operations jobs near you
Infographic showing various Credit Operations job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 84% Full Time, 11% Part Time, 1% Temporary, 2% Contract, and 1% Nights. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $67,684 per year, or $32.5 per hour.

Credit Operations

Affiniti

Manhattan, NY • On-site

Other

Re-posted 25 days ago

Job description

Credit Operations

Cash flow is the defining financial challenge for small businesses in America. Revenue is lumpy, expenses don't wait, and most SMB owners have never had a financial partner that truly understood their business. Affiniti is building that partner. As our credit analyst, you'll help us extend credit to the pharmacists, contractors, vet clinics, and shop owners that form the backbone of American communities but have been underserved or ignored by traditional institutions for decades. This isn't a rubber-stamp-the-scorecard role. You'll build and refine the models, policies, and frameworks that determine how we extend credit responsibly at scale. The decisions you make will directly determine whether a small business owner gets the runway they need to grow.

Key Responsibilities

Build and continuously refine our core credit models and policies: approval/decline logic, credit limit assignment, APR pricing, collections, and everything in between. Underwrite and assign credit lines across the full spectrum, from small business accounts to commercial customers. Manage credit policy enforcement with end users directly: customer conversations, line increase decisions, and exception handling. Evaluate and onboard new credit data vendors to sharpen our risk assessment capabilities and improve decisioning. Partner with our capital markets team to model and report on scalable loan funding strategies, including revolving credit facilities, to optimize portfolio performance. Analyze portfolio performance and build clear, actionable reporting for internal stakeholders. Develop valuation forecasts that account for financing options, portfolio trends, and through-the-cycle credit performance.

Qualifications

Proven track record underwriting small business revolving credit cards (required); commercial credit, line of credit, and other credit experience is a strong plus. Strong analytical and financial modeling chops, you're comfortable building forecasts and stress-testing assumptions. Technical fluency in SQL and data tooling (Snowflake, Tableau, DataGrip, or equivalent). Deep knowledge of credit risk management and financial underwriting, including hands-on experience building credit policies, models, and procedures from scratch. Early-stage startup experience is a plus. A high ownership, do what it takes mentality, that doesn't see a job as "just a job".

If you're interested, email aaron@affiniti.com and sahil@affiniti.com with a brief description on why we should chat!

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