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Credit Risk Data Analyst Jobs in California (NOW HIRING)

Ex

Credit Risk Practice Lead

San Francisco, CA · On-site

$202 - $280/hr

... 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 ...

New

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 ...

Airwallex

Director, Credit Risk

San Francisco, CA · On-site

$250 - $360/hr

About the team The Credit Risk team is part of Airwallex's Second Line of Defence and helps the ... Strong data literacy and familiarity with SQL, Python, or similar tools used to analyze portfolio ...

Airwallex-

Director, Credit Risk

San Francisco, CA · On-site

$230 - $350/hr

About the team The Credit Risk team is part of Airwallex's Second Line of Defence and helps the ... Strong data literacy and familiarity with SQL, Python, or similar tools used to analyze portfolio ...

Guild

VP, Credit Risk

San Diego, CA · On-site

$177K - $242K/yr

... and analytical skills and the ability to lead and develop a team. Compensation This role is an ... and other data broadcasted aloud/viewed on a screen, as well as print and other media.

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site

$177K - $242K/yr

... and analytical skills and the ability to lead and develop a team. Compensation This role is an ... and other data broadcasted aloud/viewed on a screen, as well as print and other media.

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Showing results 21-40

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 Sep 4, 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.

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.

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 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, 84% Full Time, 13% Part Time, and 2% Contract. Highlights an 86% Physical, 3% Hybrid, and 11% Remote job distribution, with an average salary of $112,390 per year, or $54 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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