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Credit Risk Associate Jobs in Merrick, NY (NOW HIRING)

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Credit Risk Associate information

See Merrick, NY salary details

$51.2K

$111.9K

$187.4K

How much do credit risk associate jobs pay per year?

As of Jul 5, 2026, the average yearly pay for credit risk associate in Merrick, NY is $111,933.00, according to ZipRecruiter salary data. Most workers in this role earn between $76,800.00 and $145,400.00 per year, depending on experience, location, and employer.

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, attention to detail, and a solid understanding of financial statements, typically backed by a degree in finance, economics, or a related field. Familiarity with risk assessment software, credit modeling tools, and proficiency in Excel or similar data analysis programs are essential technical requirements. Strong communication, problem-solving abilities, and sound judgment help you effectively collaborate with stakeholders and make informed recommendations. These skills and qualities are crucial for accurately assessing creditworthiness and minimizing financial risk for the organization.

What does a Credit Risk Associate do?

A Credit Risk Associate is responsible for assessing and managing the risk that a borrower may default on a loan or credit obligation. They analyze financial statements, credit reports, and market data to evaluate the creditworthiness of individuals or companies. Their work helps financial institutions make informed lending decisions, set appropriate credit limits, and comply with regulatory requirements. Credit Risk Associates also monitor existing credit exposures and may recommend strategies to mitigate potential losses.

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

AspectCredit Risk AssociateCredit Analyst
Required CredentialsBachelor's degree, relevant certifications often preferredBachelor's degree, certifications like CFA or credit-specific courses beneficial
Work EnvironmentFinancial institutions, banks, credit agenciesBanks, investment firms, credit rating agencies
Employer & Industry UsageCommonly used in risk management teamsUsed in credit assessment and lending decisions
Comparison Search IntentUnderstanding risk roles in creditAnalyzing creditworthiness of clients

Both roles involve assessing credit-related information, but Credit Risk Associates focus on managing overall risk exposure, while Credit Analysts evaluate individual creditworthiness. The roles often overlap in skills and industry settings, making them closely related but distinct in scope.

How does a Credit Risk Associate typically collaborate with other teams within a financial institution?

Credit Risk Associates work closely with various departments, including front-office lending teams, compliance, and portfolio management. They regularly communicate with relationship managers to gather client information, and partner with data analysts to assess credit models and risk metrics. This collaborative environment ensures that credit decisions are well-informed and compliant with internal policies. Being proactive and communicative is key, as the role often requires balancing risk assessment with business growth objectives.
What are the most commonly searched types of Credit Risk jobs in Merrick, NY? The most popular types of Credit Risk jobs in Merrick, NY are:
What cities near Merrick, NY are hiring for Credit Risk Associate jobs? Cities near Merrick, NY with the most Credit Risk Associate job openings:
Credit Risk Associate jobs near you
Infographic showing various Credit Risk Associate job openings in Merrick, NY as of June 2026, with employment types broken down into 89% Full Time, 9% Part Time, 1% Temporary, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $111,933 per year, or $53.8 per hour.

Credit Risk Data Capabilities, Manager

Monitise

New York, NY • On-site

$120K - $198K/yr

Full-time

Posted 8 days ago

Job description

Calling all innovators - find your future at Fiserv.

We're Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants and consumers to one another millions of times a day - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we're involved. If you want to make an impact on a global scale, come make a difference at Fiserv.

Job Title

Credit Risk Data Capabilities, Manager

What does a successful Credit Risk Data Capabilities Manager do at Fiserv?

As a Credit Risk Data Capabilities Manager, you will play a key role in advancing alternative lending for small businesses, driving growth and empowering merchants with faster, smarter lending solutions.

Working on Clover Capital, Fiserv's fast-growing product, you'll leverage Artificial Intelligence, machine learning, and open banking APIs to enhance risk assessment and automate credit decisioning. Your innovative contributions will ensure a scalable and automated risk framework that balances growth with strong risk controls.

What you will do:

  • Design and implement underwriting strategies for small business lending, integrating traditional and alternative data sources.
  • Utilize various data sources, including banking transaction data and cash flow analytics to improve and refine credit risk assessments.
  • Collaborate with external data vendors onboard, validate, and integrate data for enhanced risk evaluation.
  • Analyze external data sources to assess their predictive power and impact on credit risk models, partnering with data science teams to refine risk models.
  • Develop frameworks to monitor the effectiveness and ROI of external data usage in underwriting decisions.

What you will need to have:

  • Bachelor's degree in Finance, Economics, Statistics, Data Science, or a related field, and/or equivalent military experience.
  • 4+ years of experience with data analysis tools such as SQL, Python or R.
  • 3+ years in credit risk analytics, underwriting strategy, or decision science within small business lending.
  • 3+ years working with external data providers like bank aggregators (Plaid, MX, Finicity), cash flow analytics, credit bureaus, or alternative data.

What would be great to have:

  • Master's degree.
  • Experience in fintech, alternative lending, or embedded finance platforms.
  • Knowledge of regulatory and compliance considerations related to external data use in underwriting.
  • Exposure to API integrations and data ingestion pipelines for external data sources.
  • A passion for innovative financial technology solutions and applying new data sources to solve complex credit risk challenges.
  • Strong analytical mindset with the ability to think critically and develop creative solutions for credit risk management.

Important info about this role:

  • We're better together. This role is fully on-site.
  • In order to be considered, you must be legally authorized to work in the U.S. without need for sponsorship now or in the future.
  • This is a full-time, direct-hire position, and no contract options for unsolicited agency submissions will be considered.

Salary Range

$120,000.00 - $198,000.00

These pay ranges apply to employees in New Jersey and New York. Pay ranges for employees in other states may differ.

It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.

For incentive eligible associates, the successful candidate is eligible for an annual incentive opportunity which may be delivered as a mix of cash bonus and equity awards in the Company's sole discretion.

Thank you for considering employment with Fiserv. Please:

  • Apply using your legal name
  • Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

Our commitment to Equal Opportunity:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law.

If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contactAskHR.US@fiserv.com. Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv's Disability Accommodation Policy for additional information.

Note to agencies:

Fiserv does not accept resume submissions from agencies outside of existing agreements.Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

Warning about fake job posts:

Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.

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