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

Wsfsbank

Quantitative Risk Analyst

Philadelphia, PA

$64K - $105K/yr

NewLane Finance is seeking an individual to assist the credit and risk modeling and analytics function using data to advance credit risk behavior and quantification of these risk and return tradeoffs ...

WSFS Bank

Quantitative Risk Analyst

Philadelphia, PA

$64K - $105K/yr

NewLane Finance is seeking an individual to assist the credit and risk modeling and analytics function using data to advance credit risk behavior and quantification of these risk and return tradeoffs ...

WSFS Bank

Quantitative Risk Analyst

Philadelphia, PA · On-site

$64K - $105K/yr

NewLane Finance is seeking an individual to assist the credit and risk modeling and analytics function using data to advance credit risk behavior and quantification of these risk and return tradeoffs ...

M&T Bank

Commercial Credit Analyst

Wayne, PA · On-site

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank

Commercial Credit Analyst

Radnor, PA · On-site

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank

Commercial Credit Analyst

Radnor, PA · On-site

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank

Commercial Credit Analyst

Radnor, PA · On-site

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

M&T Bank

Commercial Credit Senior Analyst

Radnor, PA · On-site

Responsible for performing supporting analysis, identifying risk issues, and completing sections of credit analysis, as needed, to assess the creditworthiness of commercial clients. Primary ...

New

Holman, Inc.

Credit Portfolio Manager

Mount Laurel, NJ · On-site

Identify and analyze trends and patterns related to credit risk and provide recommendations to management for an informed decision on credit risk appetite. Outline mitigating measures for potential ...

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Showing results 41-60

All JobsCredit Risk Analyst JobsCredit Risk Analyst Jobs in Philadelphia, PA

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 Aug 15, 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.

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 Philadelphia, PA?

The most popular types of Credit Risk Analyst jobs in Philadelphia, PA are:

What are popular job titles related to Credit Risk Analyst jobs in Philadelphia, PA?

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

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 August 2026, with employment types broken down into 53% Full Time, and 47% Part Time. Highlights an 60% In-person, and 40% Hybrid job distribution, with an average salary of $114,916 per year, or $55.2 per hour.

Director, Credit Risk Oversight - Consumer Lending (2nd Line of Defense)

Best Egg

Wilmington, DE • On-site

$125K - $150K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 5 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) supporting unsecured and secured personal loan products. This role will provide independent oversight, governance, and credible challenge across credit underwriting, pricing, loan amount, portfolio performance, credit policy governance, and risk appetite.
This individual will play a critical role in ensuring that credit strategy and growth initiatives are aligned with the company's risk appetite, regulatory expectations, and sound risk management practices.
Key Responsibilities:
Credit Risk Oversight & Governance
  • Provide independent 2LOD oversight and challenge of credit underwriting, loan amount/credit exposure, pricing, and portfolio performance strategies
  • Ensure effective governance frameworks are in place for credit decisioning, strategy changes, documentation, and reporting

Portfolio Monitoring & Risk Analytics
  • Monitor portfolio performance across originations, vintages, and customer segments
  • Identify emerging risks, evolving trends, and portfolio concentration opportunities
  • Evaluate impacts of strategy changes on approval rates, credit quality, and profitability

Marketing & Growth Strategy Oversight
  • Understanding of marketing and growth strategies impacts to ensure alignment with credit risk appetite and portfolio objectives
  • Review expansion strategies (e.g., new segments, channels, or products) for risk implications

Regulatory & Compliance Oversight
  • Ensure adherence to applicable consumer lending and fair lending regulations (e.g., ECOA/Reg B, FCRA, UDAAP, etc.)
  • Provide effective challenge on fair lending risk, model bias, and disparate impact considerations
  • Support regulatory exams, internal audits, and issue remediation

Risk Reporting & Governance
  • Develop and maintain credit risk reporting, insights, and dashboards
  • Escalate material risks, control gaps, or model concerns in a timely manner

Change Management & Innovation
  • Provide oversight of new credit strategies, model deployments, and product launches
  • Ensure appropriate risk assessment and governance for FinTech-driven innovations (e.g., alternative data, AI/ML models)
  • Support ongoing enhancement of credit risk frameworks and controls

Qualifications:
Required Experience
  • 10+ years of experience in credit risk management, underwriting, or portfolio risk within consumer lending
  • Direct experience managing or overseeing first or second line of defense credit risk functions required
  • Experience in 2LOD, model risk, validation, or audit, or strong exposure to independent oversight functions
  • Deep understanding of credit risk models and decision strategies
  • Proven experience analyzing portfolio performance and credit trends

Preferred Experience
  • Experience in a FinTech and/or regulated banking environment
  • Exposure to digital lending, alternative data, or advanced analytics/ML models

Regulatory Knowledge
  • Strong knowledge of consumer lending regulations, including:
    • ECOA / Regulation B (fair lending)
    • FCRA
    • UDAAP
  • Experience in addressing fair lending and model governance risks preferred

Skills & Competencies
  • Strong risk and control mindset with ability to provide independent, credible challenge
  • Advanced analytical and quantitative skills
  • Ability to connect credit strategy decisions to portfolio outcomes and risk appetite
  • Excellent communication and stakeholder management
  • Ability to operate effectively in a fast-paced, data-driven FinTech environment
  • Willingness to adapt to a fast-paced environment and adjust priorities accordingly

$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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