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Credit Risk Data Analyst Jobs (NOW HIRING)

IDBNY

Credit Risk Analytics & Modeling

Manhattan, NY · On-site

Head of Credit Risk Analytics & Modeling Visa Sponsorship: Not available About IDB Bank For more ... Data, Technology & Process Improvement * Define business data requirements and partner with ...

Scotiabank

Manager, US Credit Risk

Dallas, TX · On-site

S. Finance, Risk Analytics, and Data Governance * Work independently, completing tasks and ... Credit risk knowledge and experience is an asset * A relevant university degree is a requirement

Bell Bank

Credit Risk Analyst

Fargo, ND · On-site

This position will be responsible for functions associated with the reporting and data analytics requirements within Credit Administration (LOB) with an emphasis on Credit Risk Reporting and ...

Career Site

Credit Risk Analyst

Fargo, ND · On-site

This position will be responsible for functions associated with the reporting and data analytics requirements within Credit Administration (LOB) with an emphasis on Credit Risk Reporting and ...

IntelliPro Group Inc.

Credit Risk Analyst

Plano, TX · On-site

$37 - $51/hr

We are looking for a detail-oriented and data-driven Credit Risk Analyst to join our Credit Risk team. * This role is responsible for producing insightful reports, dashboards, and analytics that ...

IntelliPro Group Inc.

Credit Risk Analyst

Plano, TX · On-site

We are looking for a detail-oriented and data-driven Credit Risk Analyst to join our Credit Risk team. * This role is responsible for producing insightful reports, dashboards, and analytics that ...

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Credit Risk Data Analyst information

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$37K

$113.9K

$197.5K

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

As of Jul 9, 2026, the average yearly pay for credit risk data analyst in the United States is $113,881.00, according to ZipRecruiter salary data. Most workers in this role earn between $82,500.00 and $140,500.00 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.
More about Credit Risk Data Analyst jobs
What cities are hiring for Credit Risk Data Analyst jobs? Cities with the most Credit Risk Data Analyst job openings:
What states have the most Credit Risk Data Analyst jobs? States with the most job openings for Credit Risk Data Analyst jobs include:
What job categories do people searching Credit Risk Data Analyst jobs look for? The top searched job categories for Credit Risk Data Analyst jobs are:
Credit Risk Data Analyst jobs near you
Infographic showing various Credit Risk Data Analyst job openings in the United States as of July 2026, with employment types broken down into 1% Locum Tenens, 1% Internship, 86% Full Time, 6% Part Time, 1% Temporary, and 5% Contract. Highlights an 82% Physical, 5% Hybrid, and 13% Remote job distribution, with an average salary of $113,881 per year, or $54.8 per hour.
Bank Credit Risk Analyst (Mid-level) - Retail Banking

Bank Credit Risk Analyst (Mid-level) - Retail Banking

USAA

San Antonio, TX • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

This job post has expired today. Applications are no longer accepted.

USAA rating

8.3

Company rating: 8.3 out of 10

Based on 259 frontline employees who took The Breakroom Quiz

36th of 146 rated banks

Job description

Why USAA?
At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.
Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful.
We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.
The Opportunity
As a dedicated Bank Credit Risk Analyst, you will use quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Mitigate operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.
We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, or Plano, TX.
Relocation assistance is not available for this position.
What you'll do:
  • Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies.
  • Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.
  • Assists in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadershipApplies industry knowledge and competitive benchmarking to inform credit strategy development.
  • Utilizes quantitative analysis based upon internal and external data sources to bring structure and clarity to challenging problems.
  • Develops and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.
  • Performs complex financial risk sensitivity analysis.
  • Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended.
  • Applies programming and analytical techniques to analyze credit data.
  • Provides support for junior team members regarding analytics and risk management.
  • Collaborates with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives.
  • Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:
  • Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
  • 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments such as analyzing and interpreting complex bank credit risk data and credit or financial analysis activities, and/or driving activities that support consumer credit risk strategy; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 2 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments.
  • Understanding of banking regulations, risk and/or compliance.
  • Strong presentation and communication skills.
  • Good business acumen and attention to detail and accuracy.
  • Strong research, investigation skills and demonstrated good judgement in problem solving.
  • Strong knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
  • Strong knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics (e.g., SPSS, Python, R or Visual Basic).
  • Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.

What sets you apart:
  • High Proficiency in Python, SQL, VS Code and familiarity with capabilities of AI tools (e.g., Github Copilot).
  • Experience analyzing credit risk associated with consumer credit or deposit products and identifying root causes of shifts in key portfolio performance measurements.
  • Experience recommending changes to underwriting strategies for both new originations and existing account strategies (line increases/decrease, balances transfers, payments, authorizations) to manage credit risk.
  • Experience analyzing credit abuse or first-party fraud mitigation strategies.
  • Experience preparing presentation materials for executive level audiences.
  • US military experience through military service or a military spouse/domestic partner.

Compensation range: The salary range for this position is: $93,770 - $179,240
USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).
Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.
Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.
The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.
Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.
For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.
Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.
USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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