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Credit Risk Consultant Jobs in California (NOW HIRING)

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Credit Risk Practice Lead

San Francisco, CA · On-site

$202 - $280/hr

We are seeking a highly skilled and experienced Credit Risk Practice Lead to lead our onshore consulting and delivery teams within the banking/fintech domain (digital lending). The ideal candidate ...

SKIMS

Director, Treasury & Credit Risk

Los Angeles, CA · On-site

$190K - $210K/yr

Director, Treasury & Credit Risk Department: Accounting and Finance Employment Type: Full Time Location: Los Angeles HQ Compensation: $190,000 - $210,000 / year Description SKIMS is a solutions ...

SKIMS

Director, Treasury & Credit Risk

Los Angeles, CA · On-site

SKIMS is seeking a Director, Treasury to lead our global treasury and credit risk functions. This is a critical leadership role for a high-growth consumer and retail company embarking on significant ...

Crowe LLP

Loan Review Senior Consultant

Sacramento, CA · On-site

Crowe is seeking a Loan Review Senior Consultant to perform credit risk consulting projects for a variety of clients in the financial services industry. In this role, you will: Job Responsibilities:

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All JobsCredit Risk Consultant JobsCredit Risk Consultant Jobs in California

Credit Risk Consultant information

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$12

$43

$84

How much do credit risk consultant jobs pay per hour?

As of Sep 5, 2026, the average hourly pay for credit risk consultant in California is $43.82, according to ZipRecruiter salary data. Most workers in this role earn between $29.18 and $64.28 per hour, depending on experience, location, and employer.

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

To thrive as a Credit Risk Consultant, you need strong analytical skills, a background in finance or economics, and experience with credit risk assessment methodologies. Familiarity with risk modeling tools, credit scoring systems, and certifications such as FRM or CFA are typically required. Excellent communication, problem-solving abilities, and attention to detail help you stand out in this role. These skills are crucial for accurately evaluating creditworthiness, advising clients, and ensuring sound risk management practices.

What are some common challenges faced by credit risk consultants when analyzing client portfolios?

Credit Risk Consultants often encounter challenges such as incomplete or inconsistent client financial data, rapidly changing market conditions, and evolving regulatory requirements. Effectively assessing the risk profile of diverse portfolios requires strong analytical skills and the ability to adapt risk models to new information. Collaboration with relationship managers and compliance teams is essential to ensure accurate risk assessments and to develop actionable recommendations for clients. Navigating these complexities is key to providing valuable insights and helping organizations make sound credit decisions.

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

AspectCredit Risk ConsultantCredit Analyst
Required CredentialsBachelor's degree, certifications like CFA or credit risk certifications often preferredBachelor's degree, certifications like CFA or credit-specific certifications common
Work EnvironmentConsulting firms, financial institutions, project-based workBanking, lending departments, financial institutions
Employer & Industry UsageUsed by consulting firms and financial institutions for risk assessmentPrimarily in banks and lending companies for credit evaluation

Both roles involve assessing financial data, but Credit Risk Consultants focus on advising clients on risk management strategies, while Credit Analysts evaluate creditworthiness for lending decisions. The roles often overlap in skills and certifications, but differ mainly in scope and work setting.

What does a credit risk consultant do?

A credit risk consultant assesses the creditworthiness of individuals or organizations to help financial institutions manage potential losses. They analyze financial data, develop risk models, and recommend strategies to mitigate credit risk, often using tools like credit scoring systems and financial analysis software. The role typically requires strong analytical skills and knowledge of credit regulations.

What are popular job titles related to Credit Risk Consultant jobs in California?

For Credit Risk Consultant jobs in California, the most frequently searched job titles are:

What job categories do people searching Credit Risk Consultant jobs in California look for?

The top searched job categories for Credit Risk Consultant jobs in California are:

Credit Risk Consultant jobs near you
Infographic showing various Credit Risk Consultant job openings in California as of August 2026, with employment types broken down into 81% Full Time, 17% Part Time, and 2% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $91,148 per year, or $43.8 per hour.

Credit Risk Practice Lead

ExlService Holdings, Inc.

San Francisco, CA • On-site

$202K - $280K/yr

Full-time

Posted 22 days ago

ExlService Holdings rating

7.8

Company rating: 7.8 out of 10

Based on 8 frontline employees who took The Breakroom Quiz

138th of 500 rated business services

Job description


We are seeking a highly skilled and experienced Credit Risk Practice Lead to lead our onshore consulting and delivery teams within the banking/fintech domain (digital lending). The ideal candidate will oversee delivery across multiple strategic client accounts, where our teams work across credit risk strategy, fraud, collections, and model development.
The individual needs to have strong knowledge of the lending business, data and domain across the customer lifecycle, along with the ability to shape AI-led solutions for client problems. They will own senior client relationships, serve as a domain expert to clients, drive high-quality project delivery, and be responsible for hiring, managing and developing the team.
Key Roles and Responsibilities
  • Serve as the practice leader for multiple strategic fintech/digital lending accounts, owning end-to-end onshore delivery across credit risk, fraud, collections, and modeling workstreams.
  • Manage, mentor and develop a team of onshore consultants and managers deployed across client engagements, owning performance management, coaching, and career development
  • Serve as the senior client contact for assigned accounts, engaging with C-level and senior executives; lead business reviews, manage escalations, and ensure high client satisfaction
  • Drive projects end to end: scope, plan, staff, and oversee execution of analytical and strategic initiatives, ensuring quality and on-time delivery
  • Own hiring and growth of the onshore team: define role requirements, recruit, interview, and onboard new consultants to support account expansion.
  • Lead AI solutioning for clients, translating lending business challenges into AI/ML and GenAI-enabled solutions, from problem framing through solution design and delivery.
  • Act as a credit risk subject matter expert, delivering SME presentations, industry perspectives, and best-practice recommendations to client leadership teams
  • Collaborate with offshore teams and practice leadership to ensure seamless, integrated global delivery.
  • Establish delivery governance, best practices, and quality standards across accounts, and identify opportunities to grow and expand existing engagements.

Candidate Requirements:
  • Strong business knowledge of consumer lending across the customer lifecycle, including acquisitions/underwriting, fraud, account management, and collections, as well as bureau data.
  • 12+ years of experience in credit risk and analytics within banking, fintech, or financial services, including analytics consulting, solution design, and client management.
  • Proven experience leading onshore delivery teams and managing multiple client accounts simultaneously.
  • Strong track record of managing senior client relationships, including C-level executives, and growing engagements.
  • Experience across credit risk strategy, fraud, collections, and model development; experience with AI/ML and GenAI solutioning is a strong plus.
  • Demonstrable leadership ability, superior problem solving and people management skills, with experience hiring and building high-performing teams
  • Master's or similar in Economics, Statistics, Computer Science/Engineering, Operations Research, or a related quantitative field; candidates with BA/BS degrees in the same fields from top-tier academic institutions are also welcome to apply

Skills:
  • Strong understanding of credit risk strategy, fraud, collections, and model development across the lending lifecycle, including AI/ML applications in lending; ability to review and guide analytical work.
  • Working knowledge of SQL and Python is good to have.
  • Strong program and engagement management skills, including planning, staffing, delivery governance, and engagement financials.
  • Excellent communication, presentation and story building skills; ability to explain complex concepts to senior non-technical stakeholders.

What we offer:
  • EXL Analytics offers an exciting, fast paced and innovative environment, which brings together a group of sharp and entrepreneurial professionals who are eager to influence business decisions. From your very first day, you get an opportunity to work closely with highly experienced, world class analytics consultants.
  • You will learn effective teamwork and time-management skills - key aspects for personal and professional growth
  • Analytics requires different skill sets at different levels within the organization. At EXL Analytics, we invest heavily in training you in all aspects of analytics as well as in leading analytical tools and techniques.
  • We provide guidance/ coaching to every employee through our mentoring program wherein every junior level employee is assigned a senior level professional as advisors.
  • Sky is the limit for our team members. The unique experiences gathered at EXL Analytics sets the stage for further growth and development in our company and beyond.

The typical base pay range for this role across the U.S. is USD $202,000 - $280,000 per year.
For more information on benefits and what we offer please visit us at http2s://www.exlservice.com/us-careers-and-benefits
The posted range is the hiring range for this role - a subset of the broader range available to employees over time - and reflects base salary across our national hiring scale.
Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position.
The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range; your recruiter will share specifics during the process.
Responsibilities
  • Serve as the practice leader for multiple strategic fintech/digital lending accounts, owning end-to-end onshore delivery across credit risk, fraud, collections, and modeling workstreams.
  • Manage, mentor and develop a team of onshore consultants and managers deployed across client engagements, owning performance management, coaching, and career development
  • Serve as the senior client contact for assigned accounts, engaging with C-level and senior executives; lead business reviews, manage escalations, and ensure high client satisfaction
  • Drive projects end to end: scope, plan, staff, and oversee execution of analytical and strategic initiatives, ensuring quality and on-time delivery
  • Own hiring and growth of the onshore team: define role requirements, recruit, interview, and onboard new consultants to support account expansion.
  • Lead AI solutioning for clients, translating lending business challenges into AI/ML and GenAI-enabled solutions, from problem framing through solution design and delivery.
  • Act as a credit risk subject matter expert, delivering SME presentations, industry perspectives, and best-practice recommendations to client leadership teams
  • Collaborate with offshore teams and practice leadership to ensure seamless, integrated global delivery.
  • Establish delivery governance, best practices, and quality standards across accounts, and identify opportunities to grow and expand existing engagements.

Qualifications
Candidate Requirements:
  • Strong business knowledge of consumer lending across the customer lifecycle, including acquisitions/underwriting, fraud, account management, and collections, as well as bureau data.
  • 12+ years of experience in credit risk and analytics within banking, fintech, or financial services, including analytics consulting, solution design, and client management.
  • Proven experience leading onshore delivery teams and managing multiple client accounts simultaneously.
  • Strong track record of managing senior client relationships, including C-level executives, and growing engagements.
  • Experience across credit risk strategy, fraud, collections, and model development; experience with AI/ML and GenAI solutioning is a strong plus.
  • Demonstrable leadership ability, superior problem solving and people management skills, with experience hiring and building high-performing teams
  • Master's or similar in Economics, Statistics, Computer Science/Engineering, Operations Research, or a related quantitative field; candidates with BA/BS degrees in the same fields from top-tier academic institutions are also welcome to apply

Skills:
  • Strong understanding of credit risk strategy, fraud, collections, and model development across the lending lifecycle, including AI/ML applications in lending; ability to review and guide analytical work.
  • Working knowledge of SQL and Python is good to have.
  • Strong program and engagement management skills, including planning, staffing, delivery governance, and engagement financials.
  • Excellent communication, presentation and story building skills; ability to explain complex concepts to senior non-technical stakeholders.

What we offer:
  • EXL Analytics offers an exciting, fast paced and innovative environment, which brings together a group of sharp and entrepreneurial professionals who are eager to influence business decisions. From your very first day, you get an opportunity to work closely with highly experienced, world class analytics consultants.
  • You will learn effective teamwork and time-management skills - key aspects for personal and professional growth
  • Analytics requires different skill sets at different levels within the organization. At EXL Analytics, we invest heavily in training you in all aspects of analytics as well as in leading analytical tools and techniques.
  • We provide guidance/ coaching to every employee through our mentoring program wherein every junior level employee is assigned a senior level professional as advisors.
  • Sky is the limit for our team members. The unique experiences gathered at EXL Analytics sets the stage for further growth and development in our company and beyond.

The typical base pay range for this role across the U.S. is USD $200,000 - $280,000 per year.
For more information on benefits and what we offer please visit us at https://www.exlservice.com/us-careers-and-benefits
The posted range is the hiring range for this role - a subset of the broader range available to employees over time - and reflects base salary across our national hiring scale.
Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position.
The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range; your recruiter will share specifics during the process.

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