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Credit Risk Data Science Jobs in California (NOW HIRING)

Achieve

Sr. Data Scientist (Credit Risk)

San Mateo, CA · On-site +1

Master's degree in Economics, Statistics, Mathematics, Data Science or a related quantitative ... Experience with credit risk modeling (development & monitoring) * Experience working with credit ...

Achieve

Sr. Data Scientist (Credit Risk)

San Mateo, CA · On-site +1

Master's degree in Economics, Statistics, Mathematics, Data Science or a related quantitative ... Experience with credit risk modeling (development & monitoring) * Experience working with credit ...

Prosper

Credit Risk Analyst

San Francisco, CA · On-site +1

$122K - $140K/yr

The Credit Risk team uses analytics tools to develop strategies that govern automated decisions in ... Partner with Data Science, Product, Engineering and other partner teams to implement credit and ...

New

Prosper

Credit Risk Analyst

San Francisco, CA · On-site

$122K - $140K/yr

The Credit Risk team uses analytics tools to develop strategies that govern automated decisions in ... Partner with Data Science, Product, Engineering and other partner teams to implement credit and ...

New

Prosper

Credit Risk Analyst

San Francisco, CA · On-site +1

$122K - $140K/yr

The Credit Risk team uses analytics tools to develop strategies that govern automated decisions in ... Partner with Data Science, Product, Engineering and other partner teams to implement credit and ...

New

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 ...

SoFi

Credit Strategy - Risk Lead

San Francisco, CA

... data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company's risk appetite and helps create the products and experiences that ...

SoFi

Senior Credit Manager

San Francisco, CA

... and risk and operational data science and analytics. The team designs data-driven strategies to ... The Senior Credit Manager will work in the Credit team and have responsibilities to analyze and ...

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Credit Risk Data Science information

How does a Credit Risk Data Scientist typically collaborate with other teams within a financial institution?

Credit Risk Data Scientists often work closely with credit analysts, risk managers, and IT professionals to develop, validate, and implement models that assess borrower risk. They frequently participate in cross-functional meetings to translate complex analytical findings into actionable business insights. Collaboration with compliance and regulatory teams is also common to ensure that risk models meet current regulatory standards. Effective communication and teamwork are essential, as the role bridges technical model development and practical risk management decisions.

What is Credit Risk Data Science?

Credit Risk Data Science is a specialized field that uses statistical analysis, machine learning, and data modeling techniques to assess and predict the likelihood that a borrower will default on a loan or credit obligation. Professionals in this field analyze large datasets from financial transactions, credit reports, and market trends to develop models that help financial institutions make informed lending decisions. Their work helps manage risk, set appropriate interest rates, and comply with regulatory standards. By leveraging advanced analytics, credit risk data scientists play a crucial role in minimizing losses and maximizing profitability for banks and lenders.

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

To thrive as a Credit Risk Data Scientist, you need strong analytical skills, proficiency in statistical modeling, and a solid background in finance, mathematics, or a related field, often supported by an advanced degree. Familiarity with programming languages like Python or R, experience with machine learning frameworks, and knowledge of credit risk modeling tools such as SAS or SQL are typically required. Critical thinking, attention to detail, and effective communication are vital soft skills for interpreting data and collaborating with stakeholders. These abilities are crucial for building accurate risk models, informing strategic decisions, and ensuring regulatory compliance in financial institutions.
What are popular job titles related to Credit Risk Data Science jobs in California? For Credit Risk Data Science jobs in California, the most frequently searched job titles are:
What job categories do people searching Credit Risk Data Science jobs in California look for? The top searched job categories for Credit Risk Data Science jobs in California are:
What cities in California are hiring for Credit Risk Data Science jobs? Cities in California with the most Credit Risk Data Science job openings:
Credit Risk Data Science jobs near you
Infographic showing various Credit Risk Data Science job openings in California as of July 2026, with employment types broken down into 82% Full Time, 16% Part Time, 1% Temporary, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution.

X99RYWRY | Head of Credit Risk

TTUKoffer

San Diego, CA

Full-time

Posted 24 days ago

Job description

About the job X99RYWRY | Head of Credit Risk

Job Title
Head of Credit Risk – Vietnam (Consumer Finance / Cash Loan)

Location
Vietnam and Indonesia

Job Summary

We are seeking an experienced Head of Credit Risk to lead the end-to-end credit risk framework for our Vietnam/Indonesia consumer finance business. This role owns credit strategy, asset quality, local compliance, data ecosystem, and risk team management, with full accountability for portfolio performance.

Key Responsibilities
  • Design, implement, and continuously optimize the end-to-end credit risk framework (pre-loan, in-loan, post-loan) for Vietnam/Indonesia cash loan / consumer finance products.
  • Lead local regulatory compliance and risk governance, ensuring alignment with SBV requirements and handling regulatory inspections and audits.
  • Manage and develop the Vietnam risk team, including goal setting, performance evaluation, and capability building.
  • Establish and manage relationships with local data providers, ensuring compliant data usage and continuous enhancement of risk data coverage.
  • Monitor and optimize core risk metrics (approval rate, NPL, fraud rate, portfolio quality), adjusting strategies in response to market and policy changes.
  • Build and institutionalize Vietnam/Indonesia-specific risk methodologies, including fraud patterns, risk segmentation, and decision frameworks.
Requirements

Bachelors degree or above in Finance, Economics, Statistics, or related fields.

7+ years of experience in financial risk management, with at least 4 years in a Vietnam/Indonesia consumer finance / cash loan credit risk leadership role.

Proven experience leading credit risk for portfolios with cumulative disbursement VND 50 billion, maintaining strong asset quality.

Deep understanding of the Vietnam credit risk ecosystem, including CIC inquiry, anti-fraud data, and local regulatory requirements.

Hands‑on capability in credit risk strategy and scorecard design; experience with risk systems or rule engines is a strong plus.

Experience managing teams of 5+ risk professionals.

Strong risk sensitivity, analytical thinking, and compliance mindset.

What We Offer
  • High decision‑making ownership and visibility.
  • Opportunity to build Vietnam/Indonesia credit risk framework from the ground up.
  • Competitive compensation aligned with senior market benchmarks.
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