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Credit Risk Analyst Jobs in Philadelphia, PA (NOW HIRING)

Continental Finance

Credit Risk Analyst

Wilmington, DE · Hybrid

We are seeking a Data Analyst to support our Credit Risk team. Seeking a Data Analyst to support direct mail and Invitation-To-Apply (ITA) acquisition campaigns through targeting, list processing and ...

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Credit Risk Analyst information

See Philadelphia, PA salary details

$37.3K

$114.9K

$199.3K

How much do credit risk analyst jobs pay per year?

As of Jul 30, 2026, the average yearly pay for credit risk analyst in Philadelphia, PA is $114,916.00, according to ZipRecruiter salary data. Most workers in this role earn between $83,200.00 and $141,800.00 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.

How much does a Credit Risk Analyst make?

The average salary for a Credit Risk Analyst is approximately $70,000 to $90,000 annually, depending on experience, location, and the company's size. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn higher compensation, often supplemented with bonuses and benefits.

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.

Will a credit analyst be replaced by AI?

Credit risk analysts perform tasks such as evaluating creditworthiness and analyzing financial data, which involve judgment and interpretation that AI currently cannot fully replicate. While AI tools can assist with data processing and risk modeling, human analysts are still essential for complex decision-making and nuanced assessments. The role is evolving to include managing AI outputs and maintaining oversight of automated systems.

Does credit risk pay well?

Credit risk analysts typically earn competitive salaries that vary by experience, location, and industry. Entry-level positions may start lower, but with experience and certifications like CFA or FRM, salaries can increase significantly, often reaching above the national average for financial roles.

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.

What do credit risk analysts do?

Credit risk analysts evaluate the creditworthiness of individuals or organizations to determine the likelihood of default on loans or credit agreements. They analyze financial data, credit reports, and market conditions using tools like spreadsheets and credit scoring models to assess risk and support lending decisions.
More about Credit Risk Analyst jobs
What are the most commonly searched types of Credit Risk Analyst jobs in Philadelphia, PA? The most popular types of Credit Risk Analyst jobs in Philadelphia, PA are:
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What job categories do people searching Credit Risk Analyst jobs in Philadelphia, PA look for? The top searched job categories for Credit Risk Analyst jobs in Philadelphia, PA are:
What cities near Philadelphia, PA are hiring for Credit Risk Analyst jobs? Cities near Philadelphia, PA with the most Credit Risk Analyst job openings:
Credit Risk Analyst jobs near you
Infographic showing various Credit Risk Analyst job openings in Philadelphia, PA as of July 2026, with employment types broken down into 56% Full Time, and 44% Part Time. Highlights an 50% In-person, and 50% Hybrid job distribution, with an average salary of $114,916 per year, or $55.2 per hour.

Credit Risk Analyst

Continental Finance

Wilmington, DE • Hybrid

Full-time

Re-posted 29 days ago

Job description

Come join a growing financial technology company that's leading the marketplace in both the marketing and servicing of credit cards! Continental Finance Company specializes in credit card options for those consumers with less than perfect credit. We are seeking a Data Analyst to support our Credit Risk team.

Seeking a Data Analyst to support direct mail and Invitation-To-Apply (ITA) acquisition campaigns through targeting, list processing and execution, and credit risk performance analysis, helping drive efficient growth while maintaining strong portfolio performance.

Essential Functions:

  • Execute end-to-end direct mail and ITA campaigns, including selection of prospective customers, list processing, and file delivery.
  • Perform credit risk analysis to support targeting, offer strategy, and campaign decisioning.
  • Monitor campaign performance, including response, approval, and early credit indicators.
  • Identify, analyze, and report production trends to management.
  • Partner with Marketing, Operations, IT to ensure accurate and timely campaign execution.
  • Leverage credit bureau data, models, and new data sources to enhance targeting and credit risk strategies.
  • Support test-and-learn initiatives and deliver actionable insights to optimize campaign performance.
  • Maintain documentation and ensure data accuracy, controls, and compliance with internal policies.

The ideal candidate will have the following:

  • Bachelor's degree in quantitative fields such as Mathematics, Finance, Economics, or related discipline required.
  • 1-3 years of analytical and/or data programming experience; consumer lending or credit card industry experience preferred.
  • Proficiency in SQL and at least one programming language (Python or SAS).
  • Strong quantitative and problem-solving skills
  • Strong work ethic with the ability to learn quickly and communicate effectively

Why Continental Finance?

Continental Finance Company (the "CFC") is one of America's leading marketers and servicers of credit cards for consumers with less-than-perfect credit. Since our founding in 2005, we have prided ourselves on corporate responsibility to customers in terms of a strong customer support program and fair treatment. With our success, we have also grown into an innovative financial tech company! With a state-of-the-art consumer marketing and servicing platform, we provide a variety of services to consumers when other financial institutions will not accommodate them. With more than 2.6 million credit cards managed and serviced since our founding, we pride ourselves on putting the customer first.We are not a chartered banking financial institution, nor are we a debt originator or a credit card issuer.


CFC is an equal opportunity employer that is committed to inclusion and diversity. Our company provides equal employment opportunity (EEO) regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or veteran status.


CFC is seeking bright, energetic individuals that will help us grow and develop together! We uphold a promise to treat our employees with the same care and concern as we do our customers. We offer all employees competitive compensation and benefits in an exciting, fast-paced business casual environment. Join our growing team and apply online today!

CFC offers a hybrid work schedule which includes three (3) core days in the office (Tuesday, Wednesday, and Thursday) and two (2) remote workdays (Monday and Friday)


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