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Credit Risk Associate Salary Jobs in Philadelphia, PA

JP Morgan Chase

Risk Strategy Associate

Wilmington, DE · On-site

As part of Credit Risk Management, you are at the center of keeping JPMorgan Chase strong and ... We offer a competitive total rewards package including base salary determined based on the role ...

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Credit Risk Associate Salary information

See Philadelphia, PA salary details

$50.5K

$110.3K

$184.7K

How much do credit risk associate salary jobs pay per year?

As of Aug 30, 2026, the average yearly pay for credit risk associate salary in Philadelphia, PA is $110,307.00, according to ZipRecruiter salary data. Most workers in this role earn between $75,700.00 and $143,300.00 per year, depending on experience, location, and employer.

What is the average salary for a credit risk associate?

The average salary for a Credit Risk Associate in the United States typically ranges from $70,000 to $100,000 per year, depending on factors such as experience, location, and the size of the employer. Entry-level positions may start around $60,000, while those with several years of experience or in major financial centers like New York City can earn over $110,000. Bonuses and additional compensation may also be offered, especially at larger banks or financial firms.

What are the key skills and qualifications needed to thrive as a credit risk associate, and why are they important?

To thrive as a Credit Risk Associate, you need strong analytical skills, financial acumen, and a degree in finance, economics, or a related field. Familiarity with financial modeling tools, risk assessment software, and proficiency in Excel or SQL are typically required. Attention to detail, effective communication, and problem-solving abilities help professionals stand out in this position. These skills are crucial for evaluating creditworthiness, mitigating risk, and supporting sound lending decisions in financial institutions.

What are the typical career advancement opportunities for a credit risk associate within the financial industry?

As a Credit Risk Associate, you can expect clear pathways for career progression, often advancing to Senior Associate, Credit Risk Manager, or specialized roles within risk management. Many organizations offer mentorship, training, and rotational programs to help associates develop analytical and decision-making skills needed for more senior positions. Advancement is typically based on demonstrated expertise in assessing creditworthiness, collaborating effectively with cross-functional teams, and managing increasingly complex portfolios. Proactive engagement in professional development and taking on challenging projects can accelerate your growth within this field.

What is the difference between Credit Risk Associate Salary vs Credit Analyst Salary?

AspectCredit Risk AssociateCredit Analyst
Required CredentialsBachelor's degree, certifications like CFA or credit risk coursesBachelor's degree, certifications like CFA or financial analysis courses
Work EnvironmentFinancial institutions, risk management teamsBanks, lending institutions, financial services
Employer & Industry UsageUsed in risk management roles within financeCommon in credit analysis and lending departments

Both roles often require similar educational backgrounds and certifications, and they operate within financial institutions. While Credit Risk Associates focus on assessing and managing risk exposure, Credit Analysts primarily evaluate creditworthiness of clients. Salary differences depend on experience and location but generally remain comparable within the finance industry.

What does a credit risk associate do?

A credit risk associate evaluates the creditworthiness of individuals or businesses to determine the likelihood of default on loans or credit agreements. They analyze financial statements, credit reports, and market data, often using risk assessment tools and models, to support lending decisions and manage credit portfolios.

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

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

What job categories do people searching Credit Risk Associate Salary jobs in Philadelphia, PA look for?

The top searched job categories for Credit Risk Associate Salary jobs in Philadelphia, PA are:

What cities near Philadelphia, PA are hiring for Credit Risk Associate Salary jobs?

Cities near Philadelphia, PA with the most Credit Risk Associate Salary job openings:

Credit Risk Associate Salary jobs near you

Associate, Card Risk Strategy

JPMorgan Chase & Co.

Wilmington, DE • On-site

Full-time

Medical, Retirement

Re-posted 3 days ago

JPMorgan Chase & Co. rating

8.0

Company rating: 8.0 out of 10

Based on 498 frontline employees who took The Breakroom Quiz

71st of 173 rated banks

Job description


Chase Card Services is the leading credit card issuer in the U.S. With over $1 trillion in sales volume, we have been #1 in the industry since 2017. We have also been #1 in outstanding (loans) for more than 10 years and lead in top-of-wallet market share. We serve more than 50 million active accounts across our Chase Branded Cards business, which includes the Sapphire, Freedom, Slate consumer credit cards and Ink small business portfolio, and our Co-Brand Card business.
As a Card Risk Strategy Associate in the Card Credit Decisioning Unit, you will lead efforts to expand our credit card portfolio by developing innovative strategies for affluent, high-line, high net-worth credit segments. You will collaborate with internal teams to ensure sound lending decisions that align with our financial goals and risk appetite. Your work will be pivotal in managing risk-taking activities for card originations, ensuring we continue to grow responsibly. You will play a key role in defining the risk appetite for Card acquisitions, managing credit risk, ensuring sound lending decisions that balance value creation and prudent risk management.
Job Responsibilities:
  • Define the Credit Box in partnership with Product GM's, Finance, and the second line of defense Credit Risk team
  • Lead alignment with Product, Finance, and Risk to define and execute on strategies to achieve credit goals
  • Partner closely with product and risk teams in assessing new credit opportunities. Define an execution plan for new credit opportunities
  • Set up reviews and processes to ensure we are executing well on our credit box assumptions
  • Partner with risk strategies in defining variables that would be included in new credit models and interface with the modeling team on the acquisitions modeling suite and roadmap
  • Develop and implement metrics to track acquisitions performance. Lead the report outs for performance monitoring to senior leadership
  • Help shape credit policies, underwriting standards, and risk management frameworks
  • Ensure adherence to banking regulations and internal controls related to credit risk
  • Work with teams across business lines (e.g., risk, underwriting, legal, finance) to balance growth and risk
  • Provide approvals or recommendations for complex acquisitions related credit transactions

Required qualifications, skills and capabilities:
  • A Bachelor's degree or higher in a quantitative discipline (ex: Finance, Statistics, Economics, Mathematics, Operations Research, among others)
  • 3+ years of relevant experience in direct to consumer lending, originations, and/or retail credit experience at a complex large-scale financial services business
  • Exceptional quantitative and qualitative finance and analytical skills
  • Demonstrated strategic thinking and execution skills; insight and ability to proactively identify opportunities to innovate and improve the business
  • Proven experience in collaborating across teams and lines of business within large organizations
  • Excellent analytical skills with the ability to leverage data and anecdotal feedback to structure complex problems and make decisions
  • Previous experience with either SAS, SQL, Python, or Tableau analytic tools (other coding languages would be considered)

Applicants must be authorized to work for any employer in the US. We are not able to provide immigration sponsorship or take over sponsorship of an employment visa at this time. Final job grade level and corporate title will be determined at time of offer and may differ from this posting.
About Us
Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
Equal Opportunity Employer/Disability/Veterans
About the Team
Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.

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