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Credit Risk Analyst Jobs in Atlanta, GA (NOW HIRING)

YouLend

Senior Credit Risk Analyst

Atlanta, GA · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Senior Credit Risk Analyst Department: Credit Risk Employment Type: Permanent Location: Atlanta Reporting To: Elliot Jackson Description About us: YouLend is a rapidly growing FinTech that is the ...

US Bank

Credit Risk Analyst

Atlanta, GA · Hybrid

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

The organization's risk management structure is designed to promote effective governance and risk ... This role will perform data analyses and share results, using such tools as SAS, SQL, Toad, Python ...

usauto

Credit Risk Manager

Duluth, GA · On-site

This is a diversified analytics role with exposure to multiple internal departments and external ... credit risk and pricing returns. Bring your strong technical skills, consumer lending experience ...

YouLend

Credit Risk Lead

Atlanta, GA · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Lead, manage, mentor, and develop a small team of credit risk analysts and underwriters. * Recruit for and develop the team in line with our culture and values creating a tenured, talented and ...

YouLend Limited

Credit Risk Lead

Atlanta, GA · On-site

$100 - $130/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Lead, manage, mentor, and develop a small team of credit risk analysts and underwriters. * Recruit for and develop the team in line with our culture and values creating a tenured, talented and ...

Yamaha Motor Corporation

Risk Analyst II

Kennesaw, GA · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

The position will provide analytical support to help shape YMFUS' Credit Risk strategies and broader business initiatives through data-driven insights and modeling. What you'll be doing: * Analyze ...

Yamaha

Risk Analyst II

Kennesaw, GA

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

The position will provide analytical support to help shape YMFUS' Credit Risk strategies and broader business initiatives through data-driven insights and modeling. What you'll be doing: * Analyze ...

Carmax

Analyst II, Credit Risk

Atlanta, GA · On-site

  • PTO

Analyze funding opportunities across the credit spectrum and contribute to the implementation of strategies. * Support and maintain forecasting and risk models, including multi-year funding forecasts ...

Carmax

Director, Credit Risk & Analytics

Kennesaw, GA · On-site

$148K - $237K/yr

  • PTO

Director, Credit Risk & Analytics About this job As the captive lender behind the nation's largest used-car retailer, CarMax Auto Finance (CAF) is the leader in making car financing simpler, fairer ...

Atlanticus

VP, Credit Risk

Atlanta, GA · On-site

  • Medical

  • Retirement

  • PTO

VP, Credit Risk When you join Atlanticus, you become a member of a fast-growing, mission-focused ... Analyze, validate, track, and monitor delivered projects * Interact with Business Development and ...

ATLANTICUS

VP, Credit Risk

Atlanta, GA

  • Medical

  • Retirement

  • PTO

The VP, Credit Risk is responsible for delivering strategies that drive product growth and ... Analyze, validate, track, and monitor delivered projects * Interact with Business Development and ...

Atlanticus Holdings Corporation

VP, Credit Risk

Atlanta, GA · On-site

  • Medical

  • Retirement

  • PTO

The VP, Credit Risk is responsible for delivering strategies that drive product growth and ... Analyze, validate, track, and monitor delivered projects * Interact with Business Development and ...

Regions Bank

Credit Risk Review Examiner

Atlanta, GA · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Independently performs ad hoc analysis of often complex credit risk issues, frequently requiring aggregation of transaction data through use of spreadsheet or database software * Maintains ...

Carmax

Director, Credit Risk & Analytics

Atlanta, GA · On-site

  • PTO

Director, Credit Risk & Analytics About this job As the captive lender behind the nation's largest used-car retailer, CarMax Auto Finance (CAF) is the leader in making car financing simpler, fairer ...

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All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Atlanta, GA

Credit Risk Analyst information

See Atlanta, GA salary details

$35.6K

$109.5K

$189.9K

How much do credit risk analyst jobs pay per year?

As of Aug 16, 2026, the average yearly pay for credit risk analyst in Atlanta, GA is $109,514.00, according to ZipRecruiter salary data. Most workers in this role earn between $79,300.00 and $135,100.00 per year, depending on experience, location, and employer.

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 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 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 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 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.

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 Atlanta, GA?

The most popular types of Credit Risk Analyst jobs in Atlanta, GA are:

What are popular job titles related to Credit Risk Analyst jobs in Atlanta, GA?

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

What job categories do people searching Credit Risk Analyst jobs in Atlanta, GA look for?

The top searched job categories for Credit Risk Analyst jobs in Atlanta, GA are:

Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Atlanta, GA as of August 2026, with employment types broken down into 100% Full Time. Highlights an 50% In-person, and 50% Hybrid job distribution, with an average salary of $109,514 per year, or $52.7 per hour.

Senior Credit Risk Analyst

YouLend

Atlanta, GA • On-site

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 4 days ago

Job description

Senior Credit Risk Analyst
Department: Credit Risk
Employment Type: Permanent
Location: Atlanta
Reporting To: Elliot Jackson
Description
About us:
YouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world's leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk. We are owned by the leading Private Equity company, EQT, and have grown +100% year on-year since 2020. We are headquartered in London, UK, but are also present in the United States and several European countries where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe
The Role:
We are seeking a Senior Credit Risk Analyst to support the next phase of growth in our US business. This role will be based out of our Atlanta office (hybrid in office 3-4 days per week) working directly with our US team and supported by our central Credit Risk function based in our London headquarters.
In this role, you will support the US credit risk and underwriting team, working on innovative credit strategy initiatives that help us make consistent, high-quality credit decisions aligned with the company's risk appetite and regulatory obligations. You will work closely with senior risk leadership as well as Product, Data, Compliance, and Commercial teams to deliver credit strategy innovations, strong policies, optimised decisioning frameworks, and maintain strong portfolio performance.
This role requires strong credit risk analysis skills and an ability to thrive in a fast paced environment. interpersonal skills will be essential both to collaborate with risk colleagues, business partners and senior management. You will have an opportunity to work on high profile projects which will define and transform our approach to credit strategy.
Key Responsibilities
Overall market Credit Risk
  • Support the Credit Strategy for the US market
  • Directly contribute to delivery of US business KPIs (e.g. growth, profitability, loss rate etc.)
  • Collaborate with Credit Risk colleagues across all geographic markets contributing to global targets by sharing toolkit, insights, innovations and emerging risks

Credit strategy development and innovation
  • Ownership and delivery of key projects supporting the US Credit Strategy development and innovation roadmap
  • Continuous development and innovation of our Credit Strategy to maintain a market leading strategic capability

Portfolio performance monitoring and management
  • Monitor portfolio performance, identifying trends in credit quality, losses, and early risk indicators.
  • Prepare risk reporting and insights to senior management including preparing for and supporting Credit Committee discussions
  • Recommend actions to mitigate emerging risks and optimise portfolio outcomes

Team work
  • Engage and build strong, trusted relationships across the team of credit risk analysts and underwriters as well as key stakeholders across the wider business
  • Live our culture and values and contribute to our tenured, talented and recognised centre of Credit Risk excellence

Governance, Compliance and Quality Assurance
  • Be aware of our Risk Governance Frameworks including Credit Risk Policy and Process documentation in relation to the US market and ensure actions and strategies are always aligned

Skills, Knowledge & Expertise
  • 2+ years of experience in credit risk, underwriting, or a related risk management function within financial services, fintech, lending, or commercial credit
  • Proven understanding of credit underwriting principles, data science model application, risk appetite frameworks, and portfolio risk management.
  • Outstanding quantitative and deductive reasoning skills; quickly able to identify insights in complex multi-dimensional data sets and autonomously develop and pursue solutions
  • Strong written and verbal communication skills, including the ability to explain risk concepts to non-technical audiences
  • Ability to evaluate financial statements, cash flow, and credit data to inform structured risk decisions
  • Highly organized and comfortable managing multiple priorities in a fast-paced, growth-oriented environment
  • Competent SQL and ideally Python skills

Desirable Skills
  • Experience in SME Lending
  • Familiarity with US lending regulations and compliance requirements
  • Experience working across international teams

Job Benefits
Why join YouLend?
  • Award-Winning Workplace: YouLend has been recognised as one of the "Best Places to Work in 2024 and 2025" by the Sunday Times for being a supportive, diverse, and rewarding workplace.
  • Award-Winning Fintech: YouLend has been recognised as a "Top 250 Fintech Worldwide" company by CNBC.

It's just getting fun:
  • We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.
  • But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started.

Lots of upsides:
  • High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business).
  • Well-capitalised with supportive private equity backing.
  • Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.

Motivating work environment:
  • A high-quality team that pushes each other to succeed through direct feedback and aligned incentives.
  • Strong and transparent team culture, we have each other's backs.
  • Independent work environment where results matter.
  • Data-driven culture and emphasis on speed (anti-red tape).

We offer a comprehensive benefits package that includes:
  • Health Care Coverage. YouLend covers 80%; employee contribution is 20% of the premium.
  • Medical Plan (medical insurance and prescription drug coverage)- Choice of 5 different plans through United Healthcare.
  • Dental plan coverage
  • Vision plan coverage
  • Benefits can be for: Employee only; Employee & Spouse; Employee & Child; Employee & Family
  • Retirement - 401K match. Employee match $1 for $1 up to 5% of salary.
  • Basic Life & AD&D Insurance.
  • International travel insurance covered if traveling abroad for work purposes.
  • Paid Time Off (PTO)- 20 working days (4 weeks) + US public holidays
  • Paid Office Parking

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