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Credit Risk Analyst Jobs in Delaware (NOW HIRING)

Best Egg

Director, Credit Risk Oversight

Wilmington, DE · On-site

Portfolio Monitoring and Risk Analytics * Independently monitor portfolio performance across products, vintages, risk tiers, credit score bands, customer segments, channels, and other material risk ...

Best Egg

Director, Credit Risk Oversight

Wilmington, DE · On-site

$125K - $150K/yr

Portfolio Monitoring and Risk Analytics * Independently monitor portfolio performance across products, vintages, risk tiers, credit score bands, customer segments, channels, and other material risk ...

Best Egg

Director, Credit Risk Oversight

Wilmington, DE

$125K - $150K/yr

Portfolio Monitoring and Risk Analytics * Independently monitor portfolio performance across products, vintages, risk tiers, credit score bands, customer segments, channels, and other material risk ...

Sallie Mae

Director, Credit Risk

Newark, DE · On-site

Drive adoption of advanced analytics and reporting tools to enhance risk identification, monitoring ... Experience with credit models or risk governance frameworks, risk appetite statements, and issue ...

Citi

Credit Portfolio Officer

Wilmington, DE · Hybrid

$151K - $175K/yr

Perform quantitative and statistical analyses to identify high-risk pockets and emerging risks Design credit tests and develop underwriting and line assignment strategies. Develop framework for ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Delaware

Credit Risk Analyst information

See Delaware salary details

$37K

$114K

$197.7K

How much do credit risk analyst jobs pay per year?

As of Sep 10, 2026, the average yearly pay for credit risk analyst in Delaware is $113,979.00, according to ZipRecruiter salary data. Most workers in this role earn between $82,600.00 and $140,600.00 per year, depending on experience, location, and employer.

What does a credit risk analyst do?

A Credit Risk Analyst assesses the creditworthiness of individuals or organizations by analyzing financial data, credit reports, and economic conditions. Their main goal is to determine the likelihood that a borrower will default on their financial obligations. They use statistical models, risk assessment tools, and industry knowledge to evaluate risk and help lenders make informed lending decisions. Credit Risk Analysts often prepare reports, recommend risk mitigation strategies, and monitor existing credit portfolios for potential risks.

What does a credit risk analyst do?

A credit risk analyst evaluates the creditworthiness of individuals or businesses seeking loans or credit cards. As a credit risk analyst, you must be systematic and thorough in examining each applicant’s financial information to provide a recommendation of whether or not your employer should grant credit to the applicant. Essentially, you are evaluating the risk to reward ratio of each loan applicant. Your job duties include the analysis of credit scores and credit reports, payment history, bank statements, and other financial statements. Depending on the scope of your job, you may collect this information directly from clients and inform them if the institution can approve or deny their credit or loan application.

What are the key skills and qualifications needed to thrive as a credit risk analyst, and why are they important?

To thrive as a Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial principles, and typically a degree in finance, economics, or a related field. Familiarity with risk assessment tools, statistical software (such as SAS or R), and financial modeling systems is often required, along with relevant certifications like FRM or CFA being advantageous. Attention to detail, effective communication, and sound judgment are essential soft skills for presenting findings and collaborating with stakeholders. These competencies are crucial for accurately assessing creditworthiness, minimizing financial risk, and supporting informed lending decisions.

What are some common challenges faced by credit risk analysts when assessing new clients or loan applications?

Credit Risk Analysts often encounter challenges such as limited financial data, rapidly changing market conditions, and the need to balance risk with business growth objectives. They must carefully analyze incomplete or inconsistent client information while ensuring compliance with regulatory requirements. Collaborating with relationship managers and other departments is essential to gather additional insights and make informed recommendations, making strong communication and analytical skills crucial in overcoming these challenges.

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

AspectCredit Risk AnalystCredit Analyst
Primary FocusAssessing the risk of default on loans and credit productsEvaluating creditworthiness of individual or business applicants
Required CredentialsTypically a degree in finance, economics, or related field; certifications like CFA or credit-specific coursesSimilar credentials; often the same certifications or degrees
Work EnvironmentFinancial institutions, risk management departmentsBanks, lending institutions, credit departments
Industry UsageCommonly used in risk assessment and managementPrimarily in lending and credit evaluation

While both roles involve evaluating credit, a Credit Risk Analyst focuses on assessing the overall risk associated with credit portfolios, whereas a Credit Analyst evaluates individual credit applications. The roles often overlap in credentials and work environment, but their specific focus differs within the credit industry.

How much does a credit risk analyst earn?

The average salary for a credit risk analyst typically ranges from $60,000 to $90,000 annually, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications can earn higher salaries and bonuses.

Is a credit risk analyst entry level?

A credit risk analyst can be an entry-level position, often requiring a bachelor's degree in finance, economics, or related fields. Some roles may require prior internship experience or familiarity with financial analysis tools, but many companies offer training for new graduates. Advancement typically depends on experience, skills, and certifications such as the CFA or credit analysis courses.

What is the average salary of a Credit Risk Analyst?

The average salary of a Credit Risk Analyst typically ranges from $60,000 to $85,000 per year, depending on experience, location, and industry. Professionals in this role often require strong analytical skills and knowledge of financial modeling tools.
More about Credit Risk Analyst jobs

What are the most commonly searched types of Credit Risk Analyst jobs in Delaware?

The most popular types of Credit Risk Analyst jobs in Delaware are:

What are popular job titles related to Credit Risk Analyst jobs in Delaware?

For Credit Risk Analyst jobs in Delaware, the most frequently searched job titles are:

What job categories do people searching Credit Risk Analyst jobs in Delaware look for?

The top searched job categories for Credit Risk Analyst jobs in Delaware are:

What cities in Delaware are hiring for Credit Risk Analyst jobs?

Cities in Delaware with the most Credit Risk Analyst job openings:

What are popular job titles related to Credit Risk Analyst jobs in DE?

For Credit Risk Analyst jobs in DE, the most frequently searched job titles are:

Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Delaware as of September 2026, with employment types broken down into 1% As Needed, 84% Full Time, 12% Part Time, 2% Contract, and 1% Nights. Highlights an 81% Physical, 4% Hybrid, and 15% Remote job distribution, with an average salary of $113,979 per year, or $54.8 per hour.

Director, Credit Risk Oversight

Wilmington, DE • On-site

Best Egg
Finance and Insurance • 501 - 1,000 employees
Learn more about Best Eggexternal

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 7 days ago

Job description

Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, we combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution-working together to create a better financial future for our customers and communities.


At Best Egg, you'll find a culture grounded in our core values-putting people first, creating clarity, delivering with excellence -enhanced by Barclays' commitment to integrity, inclusion, and long-term impact. Together, we empower our colleagues to challenge, innovate, and take ownership while making a meaningful difference in people's financial lives.


With the strength of Barclays behind us, we offer expanded opportunities for growth, development, and career mobility across a global organization-while continuing to build the products and experiences that make Best Egg unique.


We're looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us.


We're proud to be an equal opportunity employer committed to building a diverse and inclusive team.


About the Role

We are seeking an experienced Director of Credit Risk Oversight to join our Second Line of Defense (2LoD) team supporting unsecured and secured personal lending and existing account management strategies for the credit card portfolio.

This role provides independent oversight and credible challenge of underwriting, pricing, loan amount assignment, applicant verification, and portfolio management strategies. The Director will evaluate strategy changes and portfolio performance to promote alignment with the company's risk appetite, regulatory expectations, and sound risk management practices.

Key Responsibilities

Credit Strategy Oversight and Governance

  • Provide independent 2LoD oversight and credible challenge of credit underwriting, approval, pricing, loan amount, applicant verification, portfolio management strategies, and credit policies.
  • Evaluate proposed credit strategy changes and exceptions, including their rationale, supporting analysis, expected outcomes, key risks, testing and monitoring plans, and alignment with risk appetite, limits, and portfolio objectives.
  • Assess the effectiveness of governance for strategy approval, documentation, implementation, and post-launch monitoring, and recommend enhancements to related frameworks, policies, and limits.
  • Clearly document and communicate independent assessments, challenges, and conclusions to senior management and governance forums.
  • Support regulatory examinations, internal audits, and remediation related to credit strategy, governance, and portfolio performance.

Portfolio Monitoring and Risk Analytics

  • Independently monitor portfolio performance across products, vintages, risk tiers, credit score bands, customer segments, channels, and other material risk dimensions.
  • Identify emerging risks, performance deterioration, concentrations, and variances from approved expectations, forecasts, or risk parameters.
  • Evaluate the actual and expected effects of strategy changes and growth initiatives on approvals, volume, portfolio mix, credit quality, losses, pricing, and profitability, including the adequacy of eligibility criteria, exposure limits, testing parameters, monitoring plans, and exit criteria.
  • Develop independent analyses that challenge First Line of Defense monitoring, assumptions, and conclusions.
  • Recommend additional analysis, escalation, or management action when portfolio performance or strategy outcomes warrant.

Risk Reporting and Escalation

  • Develop and maintain independent credit risk reporting, portfolio insights, and dashboards for senior management and governance committees.
  • Translate complex credit performance information into clear conclusions and recommendations regarding portfolio health, strategy effectiveness, and alignment with risk appetite.
  • Escalate material credit risks, adverse performance trends, strategy concerns, limit breaches, and decision-strategy issues in a timely manner.
  • Track significant credit risk matters through appropriate resolution and closure.
Qualifications

Required Experience

  • 10 or more years of experience in consumer credit risk, underwriting strategy, pricing strategy, portfolio management, or credit risk oversight.
  • Significant experience with unsecured and/or secured personal loan products.
  • Direct experience developing or managing consumer credit strategies within the First Line of Defense, or independently overseeing and challenging those strategies within the Second Line of Defense, including underwriting, approval, pricing, loan amount, applicant verification, or portfolio management.
  • Deep understanding of consumer credit risk drivers, borrower segmentation, exposure management, credit decisioning, underwriting policies, and the use of risk scores and other data within lending strategies.
  • Proven ability to evaluate vintage performance, delinquency and loss trends, and portfolio profitability, and connect credit strategy decisions to portfolio outcomes.
  • Experience using data-driven analysis to identify credit risk, challenge assumptions, influence decisions, and present conclusions and recommendations to senior management or governance committees.
  • Experience developing or overseeing credit card existing account management strategies is preferred.

Skills and Competencies

  • Advanced proficiency in SQL and/or Python, with the ability to independently source, manipulate, validate, and analyze consumer credit and portfolio performance data.
  • Ability to independently develop credit risk reports, dashboards, supporting materials, and ad hoc analyses, and translate complex datasets into actionable insights and recommendations.
  • Strong consumer credit risk judgment, intellectual curiosity, and the ability to provide independent, constructive challenge while distinguishing material risks from lower-impact matters.
  • Advanced analytical and quantitative skills, including the ability to connect credit strategy decisions to approvals, portfolio mix, credit quality, losses, profitability, and risk appetite.
  • Excellent written and verbal communication skills, including the ability to present complex credit risk matters concisely to senior stakeholders.
  • Effective stakeholder management skills and the ability to influence decisions while maintaining independence.
  • Strong organizational skills and the ability to manage multiple priorities in a fast-paced, data-driven environment.
$125,000 - $150,000 a year
Employee Benefits
Best Egg offers many additional benefits for our employees, including (but not limited to):
       Pre-tax and post-tax retirement savings plans with a competitive company matching
program
       Generous paid time-off plans including vacation, personal/sick time, paid short--
term and long-term disability leaves, paid parental leave, and paid company
holidays
       Multiple health care plans to choose from, including dental and vision options
       Flexible Spending Plans for Health Care, Dependent Care, and Health
Reimbursement Accounts
       Company-paid benefits such as life insurance, wellness platforms, employee
assistance programs, and Health Advocate programs
       Other great discounted benefits include identity theft protection, pet insurance,
fitness center reimbursements, and many more!
 
 
In compliance with the CCPA, Best Egg is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy  here 
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