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Credit Risk Data Analyst Jobs in California (NOW HIRING)

Calpine

Credit Risk Analyst

San Diego, CA · On-site

$70K - $88K/yr

Performs detailed credit risk analysis, including analysis of financial data and ratios, to qualify new and existing counterparties that meet established timelines and support ongoing sales ...

Calpine

Credit Risk Analyst

San Diego, CA

$70K - $88K/yr

Performs detailed credit risk analysis, including analysis of financial data and ratios, to qualify new and existing counterparties that meet established timelines and support ongoing sales ...

Block

Senior Credit Risk Analyst

Bodega Bay, CA · On-site

This role sits at the intersection of credit risk analytics, data science, and strategic risk management. You'll leverage advanced querying, AI-assisted analytics, and predictive portfolio ...

Travis Credit Union

Credit Policy Analyst

Vacaville, CA · Hybrid

$107K - $132K/yr

Credit Risk assessment models, Policy updates, Portfolio Analysis, Compliance Audits. Skills: * Quantitative & Analytical Proficiency - Strong ability to analyze financial data, credit models, and ...

Travis Credit Union

Credit Policy Analyst

Vacaville, CA · On-site

$107K - $132K/yr

Credit Risk assessment models, Policy updates, Portfolio Analysis, Compliance Audits. Skills: * Quantitative & Analytical Proficiency - Strong ability to analyze financial data, credit models, and ...

SoFi

Credit Strategy - Risk Lead

San Francisco, CA

The Credit Strategy Lead will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi's lending ...

Travis Credit Union

Credit Policy Analyst

Vacaville, CA · On-site

$90K - $132K/yr

Credit Risk assessment models, Policy updates, Portfolio Analysis, Compliance Audits. Skills: * Quantitative & Analytical Proficiency - Strong ability to analyze financial data, credit models, and ...

Travis Credit Union

Credit Policy Analyst

Vacaville, CA · On-site

$90K - $132K/yr

Credit Risk assessment models, Policy updates, Portfolio Analysis, Compliance Audits. Skills: * Quantitative & Analytical Proficiency - Strong ability to analyze financial data, credit models, and ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site +1

... analytical skills and the ability to lead and develop a team. Essential Functions * Establishes and ... and other data broadcasted aloud/viewed on a screen, as well as print and other media.

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All JobsCredit Risk Data Analyst JobsCredit Risk Data Analyst Jobs in California

Credit Risk Data Analyst information

See California salary details

$36.5K

$112.4K

$194.9K

How much do credit risk data analyst jobs pay per year?

As of Jun 14, 2026, the average yearly pay for credit risk data analyst in California is $112,390.00, according to ZipRecruiter salary data. Most workers in this role earn between $81,400.00 and $138,700.00 per year, depending on experience, location, and employer.

What does a Credit Risk Data Analyst do?

A Credit Risk Data Analyst is responsible for gathering, analyzing, and interpreting data related to credit risk to help financial institutions make informed lending decisions. They use statistical techniques and data modeling to assess the likelihood that a borrower will default on a loan. Their work supports the development of risk models, credit policies, and reporting processes, ensuring the institution minimizes losses while maximizing opportunities. These analysts often collaborate with risk managers, underwriters, and IT teams to develop and implement effective risk assessment tools.

How do Credit Risk Data Analysts typically collaborate with other departments within a financial institution?

Credit Risk Data Analysts often work closely with teams such as lending, underwriting, compliance, and IT. They provide data-driven insights to help these departments assess borrower risk, design credit policies, and ensure regulatory compliance. Collaboration usually involves regular meetings to discuss risk models, share analytical findings, and refine credit assessment processes, ensuring all teams are aligned in managing the institution's credit exposure effectively.

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

AspectCredit Risk Data AnalystCredit Analyst
Primary FocusAnalyzing data to assess credit risk and predict defaultsEvaluating creditworthiness of individual or business applicants
Required SkillsData analysis, statistical modeling, risk assessmentFinancial analysis, credit evaluation, customer assessment
CertificationsRelevant certifications like CFA, credit risk certifications often preferredFinancial certifications like CFA, CPA may be beneficial
Work EnvironmentFinancial institutions, risk management teams, data-driven rolesBank branches, lending departments, credit departments

While both roles involve assessing credit, the Credit Risk Data Analyst primarily focuses on analyzing data to predict and manage credit risk, often working with large datasets and statistical models. The Credit Analyst evaluates individual credit applications and makes lending decisions. Both roles require financial knowledge and certifications, but their day-to-day tasks and focus areas differ.

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

To thrive as a Credit Risk Data Analyst, you need strong quantitative and analytical skills, a background in statistics or finance, and typically a bachelor’s degree in a related field. Proficiency in data analysis tools such as SQL, Python, R, and experience with risk modeling systems are highly valued, along with relevant certifications like FRM or CFA. Attention to detail, problem-solving abilities, and effective communication are essential soft skills for interpreting data and conveying insights to stakeholders. These skills ensure accurate risk assessments, support sound decision-making, and help organizations manage financial exposure effectively.
What are popular job titles related to Credit Risk Data Analyst jobs in California? For Credit Risk Data Analyst jobs in California, the most frequently searched job titles are:
What job categories do people searching Credit Risk Data Analyst jobs in California look for? The top searched job categories for Credit Risk Data Analyst jobs in California are:
Credit Risk Data Analyst jobs near you
Senior Credit Risk Analyst

Senior Credit Risk Analyst

Artemis Consultants

San Jose, CA • On-site

Full-time

Posted yesterday

Job description

COMPANY OVERVIEW:
The company a global leader in enterprise-grade data analytics and AI solutions, committed to empowering businesses across various industries with cutting-edge technology and expert insights. Backed by a top private equity firm, they drive innovation through significant investments and an entrepreneurial spirit.
They focus on delivering advanced Data Analytics & AI Solutions. By combining sophisticated technology with subject matter expertise, they deliver material impact on clients' topline and streamline their operations. They specialize in providing tailored solutions across financial services, CPG, legal, pharma, life sciences, retail and logistics, helping them build robust data analytics and AI capabilities.
With a client base spanning 30 countries, they have a global presence to enables them to offer localized expertise with a worldwide perspective.
POSITION OVERVIEW:
We are seeking a Senior Credit Risk Analyst with strong unsecured lending experience to support client's consumer credit products. This role will focus on credit card and personal loan portfolios, leveraging data to drive risk strategies, optimize underwriting, and improve portfolio performance.
You will work closely with cross-functional partners in Risk, Product, Data Science, and Engineering to design, implement, and monitor credit risk strategies that balance growth, risk, and customer experience.
RESPONSIBILITIES:
  • Develop, implement, and monitor credit risk strategies for unsecured lending products (with a strong focus on credit cards).
  • Analyze portfolio performance, customer behavior, and risk trends to identify opportunities to improve approval rates, loss performance, and profitability.
  • Design and execute A/B tests and experiments to evaluate new risk policies, cutoffs, and treatment strategies.
  • Build and maintain dashboards, reports, and performance tracking for key risk metrics (e.g., delinquency, losses, vintage curves, line utilization, approval/decline rates).
  • Partner with data science and modeling teams to translate model outputs into actionable strategies and policy rules.
  • Use SQL and Python to extract, clean, and analyze large datasets from multiple sources.
  • Present insights, recommendations, and business cases to senior stakeholders in a clear, structured manner.
  • Support regulatory and compliance requirements by ensuring risk strategies and analyses meet internal and external standards.
  • Contribute to continuous improvement of data, tools, and processes within the Credit Risk and Analytics function.

PREFERRED PROFILE:
  • Bachelor's degree in a quantitative field (e.g., Statistics, Mathematics, Economics, Engineering, Computer Science, Finance) or equivalent practical experience.
  • 5+ years of hands-on experience in Credit Risk within unsecured lending: ideally in: Credit cards (strongly preferred), and/or Personal loans or other unsecured consumer lending products.
  • Strong SQL skills with demonstrated experience querying and manipulating large, complex datasets.
  • Proficiency in Python for data analysis, modeling support, and automation (e.g., pandas, NumPy, basic visualization libraries).
  • Proven track record of using analytics to solve business problems in credit risk (e.g., underwriting, line management, pricing, collections, fraud/risk trade-offs).
  • Solid understanding of core credit risk concepts: scorecards, cutoffs, PD/LGD/EAD, vintage analysis, loss curves, risk-based pricing, and portfolio segmentation.
  • Strong problem-solving skills with the ability to structure ambiguous problems, form hypotheses, and drive analyses end-to-end.
  • Excellent communication skills, with the ability to translate complex analytical findings into clear, actionable recommendations for non-technical stakeholders.
  • Experience working in a fintech, payments, or digital lending environment.
  • Familiarity with credit bureau data and alternative data sources.
  • Experience with experimentation (A/B testing), champion-challenger frameworks, and test design.
  • Exposure to machine learning-driven risk models and their application in production environments.
  • Experience with BI/visualization tools (e.g., Tableau, Power BI, Looker) for dashboarding and reporting.
  • Master's degree in a quantitative discipline is a plus.

Personal Attributes Desired:
  • Data-driven, detail-oriented, and intellectually curious.
  • Comfortable working in a fast-paced, evolving environment.
  • Collaborative mindset with the ability to work effectively across functions and geographies.
  • Ownership mentality and bias for action; able to drive initiatives from concept to execution.

LOCATION: San Jose, CA (Hybrid)
Job ID# 3599749
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