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Credit Risk Analyst Jobs in Fremont, CA (NOW HIRING)

Canadian Solar

Credit Controller

Walnut Creek, CA · On-site

  • Medical

  • Dental

  • Life

  • Retirement

  • PTO

Evaluate customer and counterparty creditworthiness through financial statement analysis, credit assessments, and ongoing portfolio monitoring, recommending credit limits and appropriate risk ...

Canadian Solar

Credit Controller

Walnut Creek, CA · On-site

  • Medical

  • Dental

  • Life

  • Retirement

  • PTO

Evaluate customer and counterparty creditworthiness through financial statement analysis, credit assessments, and ongoing portfolio monitoring, recommending credit limits and appropriate risk ...

Acer

Be Seen First

Credit and Collections Analyst (English/Spanish)

Santa Clara, CA · On-site

$80K - $90K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... Analyst to support our growing business throughout the Latin America region ... This role is responsible for credit risk assessment, collections, dispute resolution, and accounts ...

SoFi

Senior Credit Manager

San Francisco, CA · On-site

The Senior Credit Manager will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi's lending ...

Achieve

Senior Data Scientist (Credit Risk)

San Mateo, CA · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

By leveraging proprietary data and analytics, our solutions are tailored for each step of our ... We are looking for an experienced, hands-on Credit Risk, Sr. Data Scientist who is comfortable ...

Achieve

Senior Data Scientist (Credit Risk)

San Mateo, CA · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

By leveraging proprietary data and analytics, our solutions are tailored for each step of our ... We are looking for an experienced, hands-on Credit Risk, Sr. Data Scientist who is comfortable ...

SoFi

Senior Credit Manager

San Francisco, CA · On-site

The Senior Credit Manager will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi's lending ...

Achieve

Senior Data Scientist (Credit Risk)

San Mateo, CA · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

By leveraging proprietary data and analytics, our solutions are tailored for each step of our ... We are looking for an experienced, hands-on Credit Risk, Sr. Data Scientist who is comfortable ...

SoFi

Senior Credit Manager

San Francisco, CA · On-site

The Senior Credit Manager will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi's lending ...

Super Micro Computer

Credit Manager

San Jose, CA · On-site

$120K - $142K/yr

A) required • 12+ years in high-tech corporate credit with understanding of financial statements, credit risk analysis, credit practices and procedures • 3+ years' experience building and ...

Super Micro Computer

Credit Manager

San Jose, CA · On-site

$120K - $142K/yr

A) required • 12+ years in high-tech corporate credit with understanding of financial statements, credit risk analysis, credit practices and procedures • 3+ years' experience building and ...

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Showing results 21-40

All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Fremont, CA

Credit Risk Analyst information

See Fremont, CA salary details

$40.5K

$124.7K

$216.2K

How much do credit risk analyst jobs pay per year?

As of Aug 18, 2026, the average yearly pay for credit risk analyst in Fremont, CA is $124,662.00, according to ZipRecruiter salary data. Most workers in this role earn between $90,300.00 and $153,800.00 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

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

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The top searched job categories for Credit Risk Analyst jobs in Fremont, CA are:

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Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Fremont, CA as of August 2026, with employment types broken down into 57% Full Time, and 43% Part Time. Highlights an 49% In-person, and 51% Hybrid job distribution, with an average salary of $124,662 per year, or $59.9 per hour.

Credit Risk Strategy Manager / Senior Manager

Cardless, Inc

San Francisco, CA • On-site

$150K - $210K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 17 days ago

Job description

At Cardless, we're building a credit card and loyalty platform that consumer businesses use to engage their customers. We've launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.
We value curiosity, humility, and intensity - we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.
The Job
We're looking for a Credit Risk Strategy Manager or Senior Manager to own the credit strategy for managing risk across our existing cardholder portfolio. This is a highly analytical, strategy-forward role focused on building the decisioning framework that determines how we extend additional credit, manage exposure, and optimize portfolio performance as well as ensuring the tools, data, and processes behind those decisions are best-in-class.
Reporting to our Head of Credit, you'll work at the intersection of data, tooling, and operations to optimize customer-level credit decisions as Cardless scales. You'll own the strategy for actions such as credit line increases and decreases, balance transfer offers, and other portfolio management levers, while building the measurement infrastructure needed to continuously improve performance for a rapidly growing portfolio.
What You'll Own
Portfolio Strategy & Signal Development
  • Define the logic and thresholds for credit line increases, decreases, and exposure management - balancing portfolio growth, credit risk, and customer experience
  • Develop the strategy and implementation for new programs such as balance transfers and ongoing spend campaigns
  • Build structured feedback loops between portfolio performance and policy triggers to drive continuous refinement
  • Develop processes for loss forecasting, leading edge delinquencies, and other methods to understand future portfolio performance
  • Build and maintain automated dashboards to track key performance indicators (KPIs) around portfolio performance
  • Design and execute A/B tests to evaluate new strategies, balancing product performance with customer and partner satisfaction

Cross-Functional Partnership
  • Partner with Data Science to define feature requirements, evaluate model performance, and translate model outputs into operational policy
  • Partner with engineering to build and implement new strategies such as proactive credit line increase execution and reactive credit line increase APIs
  • Work with Compliance and Legal to ensure portfolio management policies comply with ECOA, FCRA, Fair Lending, and other applicable regulations
  • Work together with brand partners to balance company and partner goals and share out performance and results
  • Work with bank partners to document, present and get approval for new policies/models

What We're Looking For
  • 5-10 years of experience in credit risk strategy, portfolio management, or underwriting at a financial institution, fintech, or payments company.
  • Deep expertise in consumer credit portfolio management - experience with credit line management, utilization dynamics, and loss forecasting is a plus
  • Experience leveraging behavioral and bureau data to develop/optimize strategies
  • Strong SQL skills and experience using analytics to build and evaluate credit strategies, track portfolio performance, and identify emerging risk patterns.
  • Familiarity working with credit risk models (including regression and tree-based machine learning) and decision engines in a production environment.
  • Excellent communication skills - you can translate complex credit tradeoffs into clear recommendations for executives, partners, and compliance teams
  • Proactive, bias-to-action mindset: you ask the right questions, align stakeholders, and drive decisions forward.

Compensation
This role has an annual starting salary range of $150,000 - $210,000 + equity + benefits (see below). Actual compensation is influenced by a wide array of factors, including but not limited to skills, experience, and specific work location.
Benefits
We're headquartered in San Francisco, CA, with a beautiful office in the Mission District. We're proud to offer our team excellent benefits:
Meaningful Start-up equity
100% health, vision & dental primary coverage
+ 75% health, vision & dental dependent coverage
Catered lunches
$250/month Commuter benefit
Parental leave
Team building events & happy hours
Flexible PTO with a minimum of 15 days off per year
Apple equipment
401k plan
Location
We're headquartered in San Francisco, CA, with a beautiful office in the Financial District. We welcome employees who want to work from this office; we offer additional benefits to those who do, and relocation assistance to those who'd like to.
We regularly bring our team together for offsites & trips, about every 2 months, both for fun and for work. We cover all travel & lodging in these cases.

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