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Credit Risk Analytics Jobs in Arizona (NOW HIRING)

... risk appetite. * Reviews credit packages completed by junior team members and provides general ... Performs the required due diligence and analysis, produces the credit presentation in accordance ...

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 ...

The Credit Analyst II manages a portfolio of accounts with moderate to higher complexity, reviews ... Recommend changes to risk ratings and credit limits based on payment trends, business type, terms ...

The Credit Analyst II manages a portfolio of accounts with moderate to higher complexity, reviews ... Recommend changes to risk ratings and credit limits based on payment trends, business type, terms ...

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Credit Risk Analytics information

See Arizona salary details

$5

$45

$74

How much do credit risk analytics jobs pay per hour?

As of Jul 10, 2026, the average hourly pay for credit risk analytics in Arizona is $45.94, according to ZipRecruiter salary data. Most workers in this role earn between $11.54 and $60.34 per hour, depending on experience, location, and employer.

What is the difference between Credit Risk Analytics vs Credit Risk Management?

AspectCredit Risk AnalyticsCredit Risk Management
Primary FocusAnalyzing data to assess credit risk and develop modelsOverseeing and implementing strategies to manage credit risk
Skills & CertificationsData analysis, statistical modeling, certifications like CFA or FRMRisk policies, decision-making, leadership skills
Work EnvironmentQuantitative teams, data-driven departmentsCredit departments, risk committees
Industry UsageUsed across banks, financial institutions, credit agenciesUsed in risk departments for strategy and policy

While Credit Risk Analytics focuses on data analysis and model development to quantify credit risk, Credit Risk Management involves overseeing these risks through policies and strategic decisions. Both roles are essential and often collaborate within financial institutions.

How much does a Credit Risk Analyst make?

A Credit Risk Analyst at JP Morgan typically earns an average salary ranging from $70,000 to $100,000 annually, depending on experience, location, and level of responsibility. Compensation may also include bonuses and benefits, with some roles requiring proficiency in risk modeling tools and financial analysis.

What are some common challenges faced in a Credit Risk Analytics role, and how can they be addressed?

Professionals in Credit Risk Analytics often encounter challenges such as managing large volumes of complex data, staying current with regulatory changes, and ensuring the accuracy of risk models. To address these, it is important to develop strong technical skills in data analysis tools, collaborate closely with compliance teams, and regularly validate and update risk models. Additionally, effective communication with stakeholders helps ensure that analytical insights are clearly understood and actionable within the organization.

What are the key skills and qualifications needed to thrive as a Credit Risk Analytics professional, and why are they important?

A Credit Risk Analytics professional needs strong quantitative analysis skills, a solid understanding of financial principles, and typically a degree in finance, mathematics, economics, or a related field. Proficiency in statistical software (such as SAS, R, or Python), risk modeling tools, and knowledge of regulatory frameworks like Basel III are crucial. Excellent problem-solving abilities, attention to detail, and effective communication skills help them interpret data and explain findings to stakeholders. These skills ensure accurate risk assessment, regulatory compliance, and informed lending decisions that protect an organization's financial health.

Is credit analysis a good career?

Credit risk analysts evaluate the creditworthiness of individuals or organizations to help lenders manage risk. The role requires strong analytical skills, attention to detail, and proficiency with data analysis tools; it often offers stable employment with opportunities for advancement in financial institutions. Overall, it can be a rewarding career for those interested in finance and risk management.

What do you do as a Credit Risk Analyst?

A Credit Risk Analyst evaluates the creditworthiness of individuals or businesses by analyzing financial data, credit reports, and market conditions. They use statistical models and tools like Excel or specialized software to assess risk levels, helping organizations make informed lending decisions and manage credit exposure.

What is Credit Risk Analytics?

Credit Risk Analytics is the process of using data analysis, statistical models, and machine learning techniques to assess and predict the likelihood that a borrower or counterparty will default on their financial obligations. Professionals in this field analyze credit data, financial statements, and market trends to help financial institutions make informed lending decisions and manage their risk exposure. Effective credit risk analytics helps institutions minimize losses, set appropriate loan terms, and comply with regulatory requirements.

How much do credit risk analysts earn?

Credit risk analysts typically earn a median annual salary ranging from $60,000 to $90,000, depending on experience, location, and industry. Entry-level analysts may start at lower salaries, while those with advanced skills or certifications can earn higher compensation, often supplemented with bonuses and benefits.
What are popular job titles related to Credit Risk Analytics jobs in Arizona? For Credit Risk Analytics jobs in Arizona, the most frequently searched job titles are:
What job categories do people searching Credit Risk Analytics jobs in Arizona look for? The top searched job categories for Credit Risk Analytics jobs in Arizona are:
Infographic showing various Credit Risk Analytics job openings in Arizona as of July 2026, with employment types broken down into 1% Internship, 93% Full Time, 4% Part Time, and 2% Contract. Highlights an 79% Physical, 5% Hybrid, and 16% Remote job distribution, with an average salary of $95,545 per year, or $45.9 per hour.
Director, Credit Risk Analytics & Capital Markets

Director, Credit Risk Analytics & Capital Markets

Achieve

Tempe, AZ โ€ข On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

This job post hasย expired 1 day ago.ย Applications are no longer accepted.


Job description

Company Description

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.

Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $40B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $11Bn in personal and home loans originations via our banking-as-a-service partner.

Job Description

We are seeking a visionary and execution-oriented Director of Credit Analytics & Capital Markets to lead the development of next-generation credit risk capabilities, with a strong focus on leveraging AI and advanced analytics to transform credit underwriting at Achieve. This individual will also serve as the connect point between Credit Risk and Capital Markets/Investors, turning complex risk models and portfolio performance into a clear, compelling growth narrative for the investment community.ย This leader will drive strategic initiatives that enhance risk-adjusted returns, improve underwriting efficiency, strengthen investor confidence, and support scalable growth.ย 

This role requires deep expertise in consumer credit risk analytics and is ideal for a hands-on leader who combines strong quantitative capabilities with capital markets fluency and executive-level communication skills.ย 

What youโ€™ll do:

Credit Analytics & Portfolio Risk Management

  • Develop and enhance analytical frameworks to assess portfolio credit quality, monitor portfolio performance, and surface emerging credit trends.

  • Partner with Capital Markets, Finance, and Business teams to optimize risk-adjusted returns and identify opportunities for swap in/out segments at the margin.

  • Track macroeconomic, industry, and market developments and assess their potential impact on portfolio performance and credit risk.

  • Collaborate closely with Credit Modeling teams to identify emerging risk signals and incorporate business insights into model development, validation, and enhancement efforts.

AI-Driven Credit Underwriting Strategy

  • Lead the exploration and practical development of Credit Riskโ€™s AI and advanced analytics strategy to strengthen underwriting, risk assessment, and portfolio management capabilities.

  • Identify, evaluate, and integrate alternative internal and external data sources to enhance borrower assessment, risk identification, and predictive model performance.

  • Pilot and deploy AI agents and advanced analytical tools to accelerate risk management workflows, enhance signal detection, and improve speed-to-insight and execution.

  • Drive automation of underwriting processes to improve decision speed, consistency, operational efficiency, and scalability.

Capital Markets Support

  • Partner with Capital Markets and Finance teams to support securitizations, warehouse facilities, whole-loan sales, and other structured finance transactions.

  • Translate credit forecasts, portfolio performance, and strategic initiatives into clear, investor-focused narratives and capital markets communications.

  • Design and maintain a suite of BAU reporting and analytics to support investor relations, transaction execution, and ongoing capital markets activities.

  • Own Credit Enhancement projections in partnership with the Loss Forecasting team, proactively identifying risks, opportunities, and key drivers impacting Credit Enhancement liability.

Qualifications

ย ย What youโ€™ll bring:

  • 8+ years of experience in credit risk analytics, credit strategies, or quantitative risk management or related financial services disciplines.

  • 5+ years of leadership experience managing analytics, data science, or credit risk functions.

  • Strong knowledge of consumer lending (Personal loans, HELOC)ย 

  • Proven track record leading strategic transformation initiatives and cross-functional programs.

  • Advanced analytical skills (SQL, Python, or similar).

  • Ability to translate complex analytical concepts into actionable business recommendations.

  • Strong analytical, problem solving and communication skills.

  • Strategic thinker with strong business acumen and executive presence.

  • Strong stakeholder management skills across executive leadership, investors, regulators, and external partners.

Preferred:

  • Experience supporting Capital Markets function at a fintech.

  • Demonstrated experience deploying AI/ML solutions in lending, underwriting, or risk management environments.

  • Strong knowledge of Debt Settlement business.


Additional Information

All your information will be kept confidential according to EEO guidelines.

Achieve well-being with:

  • 401 (k) with employer match
  • Medical, dental, and vision with HSA and FSA optionsย ย 
  • Competitive vacation and sick time off, as well as dedicated volunteer days
  • Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
  • Pet care discounts for your furry family members
  • Financial support in times of hardship with our Achieve Care Fund
  • A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

We are proudly offering hybrid options in the San Mateo, CA and Phoenix, AZ metro market. In other locations throughout the country, we offer work from home.

Salary Range: $240,000 - $270,000 + bonus + benefits.ย 

This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.

Join Achieve, change the future.

At Achieve, weโ€™re changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, youโ€™ll get to be a part of their journey to a better financial future. Weโ€™re proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a jobโ€”itโ€™s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

Attention Agencies & Search Firms:ย We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieveโ€™s Talent Acquisition leader.

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