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Credit Risk Data Analyst Jobs in California (NOW HIRING)

Colorwave Inc

Director, Credit Risk

San Francisco, CA · On-site

$231K - $289K/yr

In this role, you'll partner closely with Sales, Customer Success, Product, Operations, Analytics ... data. Brex recruiters will only reach out via LinkedIn or email with a brex.com domain. Any ...

Brex

Director, Credit Risk

San Francisco, CA · Hybrid

$231K - $289K/yr

Credit Risk at Brex Credit Risk plays a critical role in enabling Brex's growth by balancing ... In this role, you'll partner closely with Sales, Customer Success, Product, Operations, Analytics ...

Brex

Director, Credit Risk

San Francisco, CA · On-site

In this role, you'll partner closely with Sales, Customer Success, Product, Operations, Analytics ... data. Brex recruiters will only reach out via LinkedIn or email with a brex.com domain. Any ...

Brex

Director, Credit Risk

San Francisco, CA · On-site

In this role, you'll partner closely with Sales, Customer Success, Product, Operations, Analytics ... data. Brex recruiters will only reach out via LinkedIn or email with a brex.com domain. Any ...

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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 Aug 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
Infographic showing various Credit Risk Data Analyst job openings in California as of August 2026, with employment types broken down into 1% As Needed, 82% Full Time, 12% Part Time, 2% Temporary, and 3% Contract. Highlights an 86% Physical, 4% Hybrid, and 10% Remote job distribution, with an average salary of $112,390 per year, or $54 per hour.

Risk Management - Lead Credit Officer - Vice President

JPMorgan Chase & Co.

Irvine, CA • On-site

$90 - $120/hr

Other

Re-posted 26 days ago

JPMorgan Chase & Co. rating

8.0

Company rating: 8.0 out of 10

Based on 494 frontline employees who took The Breakroom Quiz

71st of 171 rated banks

Job description

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As a Lead Credit Officer within the Credit Risk team, you will evaluate and identify risks and interpret data to support management in making well‑informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high‑volume, and fast‑paced environment, analyzing loans ranging from $1 million to $25 million+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.

Job Responsibilities
  • Oversee all aspects of credit analysis on loans secured by multifamily and other types of commercial real estate
  • Evaluate and manage risks in complex transactions
  • Mentor for more junior Credit Analysts and Credit Officers
  • Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal
  • Apply relevant policies, standards, procedures, and regulatory requirements to all credit analysis activities
  • Apply data analysis techniques to interpret results and provide insights and recommendations to management
  • Serve as a technical expert in addressing inquiries and resolving system‑related issues specific to credit risk analysis and management tools
  • Monitor industry trends and best practices in credit risk management to enhance decision‑making and maintain a competitive edge
Required Qualifications, Capabilities, and Skills
  • Bachelor's degree in a business or finance concentration
  • 7 years of experience in commercial real estate lending, credit analysis, or loan workouts
  • Thorough understanding of multifamily real estate property valuations and cash flow analysis
  • Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements
  • Ability to manage competing priorities effectively in a collaborative, high‑volume environment while maintaining attention to detail
  • Excellent verbal and written communication and problem‑solving skills
  • Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed
  • Familiarity with regional commercial real estate markets and municipal regulations
  • Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems
Preferred Qualifications, Capabilities, and Skills
  • Advanced degree in a related field or real estate coursework
  • Experience as a loan underwriter in commercial real estate or agency lending (e.g. Fannie Mae or Freddie Mac)
  • Experience with proprietary credit risk management tools
  • Experience with large language model tools

FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase’s review of criminal conviction history, including pretrial diversions or program entries.

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