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Credit Risk Developer Jobs (NOW HIRING)

Ramp

Credit Risk Associate

New York, NY · On-site

$108K - $200K/yr

Credit Risk Strategy owns these tradeoffs end to end. In this role, you will own or help build ... You do not need to be a software engineer, but you do need to use AI to ship something runnable or ...

Adyen

Credit Risk Analyst

Chicago, IL · On-site

$100K - $130K/yr

At Adyen, everything we do is engineered for ambition. For our teams, we create an environment with ... Credit Risk Analyst - Financial Products As a Credit Risk Analyst based in Chicago, you will be ...

IntelliPro Group Inc.

Credit Risk Analyst

Plano, TX · On-site

$37 - $51/hr

Credit Risk Analyst Duration: 06+ Months Location: Plano, TX (Hybrid) Pay Range: $37/hr - $51/hr on ... Engineering or similar analytical/STEM field * 1-2 years' experience in analytical roles

IntelliPro Group Inc.

Credit Risk Analyst

Plano, TX · On-site

Credit Risk Analyst Duration: 06+ Months Location: Plano, TX (Hybrid) Pay Range: $37/hr - $51/hr on ... Engineering or similar analytical/STEM field * 1-2 years' experience in analytical roles

Adyen

Credit Risk Analyst

Chicago, IL · Hybrid

$100K - $130K/yr

At Adyen, everything we do is engineered for ambition. For our teams, we create an environment with ... Credit Risk Analyst - Financial Products As a Credit Risk Analyst based in Chicago, you will be ...

ProSidian Consulting

Credit Risk Advisor

Washington, DC · On-site +1

The Credit Risk Advisor Credit risk review tied to engineering, construction, and operating assumptions. Serves as a Credit Risk Advisor within the Project Finance & Credit Evaluation Support swim ...

Gauntlet

Credit Risk Researcher

New York, NY

You own the risk models, the parameters, and the monitoring cadence ... You partner with Capital Markets on structuring and with Product and Engineering to embed credit ...

Gauntlet

Credit Risk Researcher

New York, NY · On-site +1

You own the risk models, the parameters, and the monitoring cadence ... You partner with Capital Markets on structuring and with Product and Engineering to embed credit ...

Coast

Senior Credit Risk Analyst

New York, NY · On-site +1

$90K - $140K/yr

... engineers and analytics teams. - Contribute to the automation and optimization of credit risk operations by building decision frameworks and supporting risk modeling. - Conduct data-driven ...

New

Coast

Senior Credit Risk Analyst

New York, NY · On-site

$90K - $140K/yr

... engineers and analytics teams. - Contribute to the automation and optimization of credit risk operations by building decision frameworks and supporting risk modeling. - Conduct data-driven ...

New

Continental Finance

Credit Risk Analyst

Wilmington, DE · Hybrid

Perform credit risk analysis to support targeting, offer strategy, and campaign decisioning ... Proficiency in SQL and at least one programming language (Python or SAS). * Strong quantitative and ...

Airwallex

Director, Credit Risk

New York, NY · On-site

$190K - $320K/yr

We work at the intersection of credit, FX, and counterparty risk, partnering closely with Product, Sales, Operations, Treasury, Finance, Engineering, Compliance, and Legal to enable commercial growth ...

New

Prosper

Credit Risk Analyst

Charleston, WV · Remote

$102K - $140K/yr

A Credit Risk Analyst at Prosper has the opportunity to utilize advanced analytical skills to ... Partner with Data Science, Product, Engineering and other partner teams to implement credit and ...

BankUnited

Credit Risk Analytics Analyst

Miami Lakes, FL · On-site

The Credit Risk Analytics Analyst uses a combination of quantitative, modeling, communication, and ... Experience with programming languages, particularly Python. * Experience utilizing and merging data ...

Prosper

Credit Risk Analyst

$102K - $140K/yr

A Credit Risk Analyst at Prosper has the opportunity to utilize advanced analytical skills to ... Partner with Data Science, Product, Engineering and other partner teams to implement credit and ...

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Credit Risk Developer information

What is a credit risk developer?

Credit Risk Developers are specialized software developers who design, build, and maintain systems that assess and manage financial risk for lending institutions or investment firms. They create algorithms and tools that analyze credit data, model potential losses, and ensure compliance with regulatory requirements. Their work supports decision-making processes related to lending, underwriting, and portfolio management. Typically, they collaborate closely with risk analysts, data scientists, and financial professionals to develop solutions that improve risk assessment accuracy and efficiency.

What are the key skills and qualifications needed to thrive as a credit risk developer?

To thrive as a Credit Risk Developer, you need strong programming skills (such as Python, Java, or C++), a solid background in mathematics or finance, and experience with credit risk modeling. Familiarity with risk management systems, statistical analysis tools, and relevant certifications (like FRM or CFA) is often required. Exceptional problem-solving abilities, collaboration, and clear communication set outstanding candidates apart. These skills ensure accurate development and maintenance of credit risk models, enabling effective risk mitigation and regulatory compliance in financial institutions.

How does a credit risk developer typically collaborate with risk analysts and business stakeholders?

A Credit Risk Developer often works closely with risk analysts to understand credit risk models and translate their requirements into robust software solutions. Regular meetings with business stakeholders are common to gather feedback, ensure alignment with regulatory standards, and adapt to changing business needs. This role requires strong communication skills to bridge the gap between technical and non-technical teams, ensuring that risk assessment tools are both accurate and user-friendly.

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

AspectCredit Risk DeveloperCredit Analyst
Required CredentialsBachelor's in Finance, Economics, or related field; often some programming knowledgeBachelor's in Finance, Economics, or related field; strong analytical skills
Work EnvironmentDevelops risk models, works with data and software toolsAnalyzes credit data, assesses borrower risk, prepares reports
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending institutions, credit bureaus

While both roles focus on credit, the Credit Risk Developer primarily builds and maintains risk models using programming and data analysis, whereas the Credit Analyst evaluates individual creditworthiness and prepares risk assessments. Both roles are essential in credit decision processes but differ in technical focus and daily tasks.

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Credit Risk Developer jobs near you
Infographic showing various Credit Risk Developer job openings in the United States as of August 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution.

Credit Risk Associate

New York, NY • On-site

Ramp
See more jobs at Rampexternal

$108K - $200K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 14 days ago

Job description

About Ramp
Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.
The problems are high-stakes, data-dense, and unforgiving.
We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you've built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.
The median Ramp customer saves 5% and grows revenue 16% in their first year - far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.
If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.
As a member of Ramp's Risk Strategy & Operations team, you will leverage data to develop and optimize credit strategies.
Credit is one of Ramp's most consequential products. Every policy change affects how customers can grow their usage, and how responsibly Ramp scales up while managing risk. Credit Risk Strategy owns these tradeoffs end to end.
In this role, you will own or help build strategy across credit risk areas like credit limits, payment speed, and collections. You'll take ambiguous problems, get to the data, prototype the solution, and push the change with Product, Engineering, Data Science, Risk Operations, Finance, Customer Experience, and Compliance.
AI fluency is required. We use AI as a core pillar of our risk management stack, and you will be prototyping and managing related Agents and tools. You should already be using tools like Claude Code, Codex, or similar AI tools to write code, explore data, prototype apps, automate workflows, and check your own work. You do not need to be a software engineer, but you do need to use AI to ship something runnable or inspectable enough to test, improve, and hand off.
We are looking for builders with high agency and high urgency: people who prototype the workflow, not just write the recommendation for someone else to build.
What You'll Do
  • Own credit risk strategy for areas like model prototyping, credit limits, payment speed, collections, etc.
  • Use SQL, quantitative reasoning, and credit risk judgment to investigate patterns, size opportunities, define policy changes, and pressure-test recommendations.
  • Build the first useful version when the workflow does not exist: a tool, app, dashboard, agent, notebook, QA loop, monitor, or decisioning process.
  • Use AI tools every day to move faster on research, analysis, coding, synthesis, writing, verification, and follow-through.
  • Build AI into credit risk workflows: feature exploration, policy monitoring, case review, exception handling, decision support, documentation, and human-in-the-loop QA.
  • Investigate new data sources and model features; evaluate signal quality, coverage, failure modes, and how they would change credit decisions.
  • Make ambiguous credit risk decisions within your surface area, balancing loss, customer experience, operational burden, growth, compliance, and risk-adjusted returns.
  • Partner with Product, Engineering, Design, to execute and build the risk management infrastructure

What You Need
  • Minimum 2 years of experience in credit risk management or quantitative strategy role
  • Minimum 2 years of experience using SQL or Python for data retrieval and manipulations
  • AI fluency you can demonstrate live: name the tools, show an artifact, explain a recent failure mode, and walk through how you verified the output before using it in a credit risk decision.
  • Ownership in ambiguity: you define the question, get the data, make the call, communicate the tradeoffs, and drive follow-through without waiting for perfectly scoped work.
  • Strong communication: you can compress a complex credit risk decision into a clear narrative that leadership and cross-functional partners can act on.

Nice-to-Haves
  • Previous experience building credit risk in similar Card or expense management products
  • Previous experience in high-growth startups or environments where the operating model changed quickly.
  • Previous experience with Operations teams

Compensation
We are open to hiring at multiple levels for this role (Analyst, Associate, or Senior Associate). Level is determined during the interview process.
The expected base salary ranges are:
  • Analyst: $108,000 to $148,000
  • Associate: $140,000 to $192,000
  • Senior Associate: $160,000 to $200,000

These ranges reflect base salary for New York City and do not include equity or benefits, both of which this role is eligible for.
Benefits available to all full-time Ramp employees (Global)
  • Flexible PTO
  • Centralized home-office equipment ordering
  • Health and wellness stipend
  • Budget for intra-office travel
  • Weekly coffee stipend

United States
  • 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
  • One Medical annual membership
  • 401(k), including employer match on contributions made while employed by Ramp
  • Fertility HRA (up to $10,000 per year)
  • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
  • Pet insurance
  • In-office perks: lunch, snacks, drinks, and more
  • Relocation expense coverage to NYC or SF (if needed)
Canada
  • Group medical, dental, and vision coverage through Sun Life
  • Life, AD&D, and disability coverage
  • Fertility drug coverage (up to $4,000 lifetime)
  • Group Retirement Plan with employer match (RRSP + DPSP)
  • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay
  • Employee Assistance Program and virtual care through Lumino Health

United Kingdom
  • Private medical insurance through Freedom Elite
  • Virtual GP and at-home care via eMed x Livi
  • Workplace pension through Penfold, with salary sacrifice option
  • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay

Referral Instructions
If you are being referred for the role, please contact that person to apply on your behalf.
Other notices
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.
Ramp Applicant Privacy Notice

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