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Credit Risk Developer Jobs in California (NOW HIRING)

Valley Bank

Credit Risk Manager

Los Angeles, CA · On-site

... engineering reports, etc. to verify compliance. Escalates issues to appropriate levels and develops ... Ensures credits are accurately risk rated and are properly monitored and reported. * Prepares all ...

SoFi

Credit Strategy - Risk Lead

San Francisco, CA

... Engineering, and use business knowledge and quantitative and analytical skills to drive revenue ... Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue.

SoFi

Credit Strategy - Risk Lead

San Francisco, CA · On-site

... Engineering, and use business knowledge and quantitative and analytical skills to drive revenue ... Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue.

SoFi

Senior Credit Manager

San Francisco, CA

... Product, Engineering, Legal and Compliance. Use business acumen, credit experience and quantitative and analytical skills to drive revenue, control risk, and provide value to the company and ...

Achieve

Sr. Data Scientist (Credit Risk)

San Mateo, CA · On-site +1

Strong programming skills in Python/SQL for data analysis, modeling and automation. * Solid ... Experience with credit risk modeling methodologies: Scorecard models, XGBoost, time-series analysis ...

Achieve

Sr. Data Scientist (Credit Risk)

San Mateo, CA · On-site +1

Strong programming skills in Python/SQL for data analysis, modeling and automation. * Solid ... Experience with credit risk modeling methodologies: Scorecard models, XGBoost, time-series analysis ...

Apply Early

Achieve

Sr. Data Scientist (Credit Risk)

San Mateo, CA · On-site

Strong programming skills in Python/SQL for data analysis, modeling and automation. * Solid ... Experience with credit risk modeling methodologies: Scorecard models, XGBoost, time-series analysis ...

SoFi

Senior Credit Manager

San Francisco, CA · On-site

The team SoFi's Credit team manages credit risk activities for our lending products (Student Loan ... Engineering, Legal and Compliance. Use business acumen, credit experience and quantitative and ...

SoFi

Senior Credit Manager

San Francisco, CA · On-site

The team SoFi's Credit team manages credit risk activities for our lending products (Student Loan ... Engineering, Legal and Compliance. Use business acumen, credit experience and quantitative and ...

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Showing results 1-20

All JobsCredit Risk Developer JobsCredit Risk Developer Jobs in California

Credit Risk Developer information

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.

What are Credit Risk Developers?

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.

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

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.
What are popular job titles related to Credit Risk Developer jobs in California? For Credit Risk Developer jobs in California, the most frequently searched job titles are:
What job categories do people searching Credit Risk Developer jobs in California look for? The top searched job categories for Credit Risk Developer jobs in California are:
What cities in California are hiring for Credit Risk Developer jobs? Cities in California with the most Credit Risk Developer job openings:
Credit Risk Developer jobs near you
Senior Credit Risk Analyst

Senior Credit Risk Analyst

Artemis Consultants

San Jose, CA • On-site

Full-time

Posted 22 days ago

Job description

COMPANY OVERVIEW:
The company a global leader in enterprise-grade data analytics and AI solutions, committed to empowering businesses across various industries with cutting-edge technology and expert insights. Backed by a top private equity firm, they drive innovation through significant investments and an entrepreneurial spirit.
They focus on delivering advanced Data Analytics & AI Solutions. By combining sophisticated technology with subject matter expertise, they deliver material impact on clients' topline and streamline their operations. They specialize in providing tailored solutions across financial services, CPG, legal, pharma, life sciences, retail and logistics, helping them build robust data analytics and AI capabilities.
With a client base spanning 30 countries, they have a global presence to enables them to offer localized expertise with a worldwide perspective.
POSITION OVERVIEW:
We are seeking a Senior Credit Risk Analyst with strong unsecured lending experience to support client's consumer credit products. This role will focus on credit card and personal loan portfolios, leveraging data to drive risk strategies, optimize underwriting, and improve portfolio performance.
You will work closely with cross-functional partners in Risk, Product, Data Science, and Engineering to design, implement, and monitor credit risk strategies that balance growth, risk, and customer experience.
RESPONSIBILITIES:
  • Develop, implement, and monitor credit risk strategies for unsecured lending products (with a strong focus on credit cards).
  • Analyze portfolio performance, customer behavior, and risk trends to identify opportunities to improve approval rates, loss performance, and profitability.
  • Design and execute A/B tests and experiments to evaluate new risk policies, cutoffs, and treatment strategies.
  • Build and maintain dashboards, reports, and performance tracking for key risk metrics (e.g., delinquency, losses, vintage curves, line utilization, approval/decline rates).
  • Partner with data science and modeling teams to translate model outputs into actionable strategies and policy rules.
  • Use SQL and Python to extract, clean, and analyze large datasets from multiple sources.
  • Present insights, recommendations, and business cases to senior stakeholders in a clear, structured manner.
  • Support regulatory and compliance requirements by ensuring risk strategies and analyses meet internal and external standards.
  • Contribute to continuous improvement of data, tools, and processes within the Credit Risk and Analytics function.

PREFERRED PROFILE:
  • Bachelor's degree in a quantitative field (e.g., Statistics, Mathematics, Economics, Engineering, Computer Science, Finance) or equivalent practical experience.
  • 5+ years of hands-on experience in Credit Risk within unsecured lending: ideally in: Credit cards (strongly preferred), and/or Personal loans or other unsecured consumer lending products.
  • Strong SQL skills with demonstrated experience querying and manipulating large, complex datasets.
  • Proficiency in Python for data analysis, modeling support, and automation (e.g., pandas, NumPy, basic visualization libraries).
  • Proven track record of using analytics to solve business problems in credit risk (e.g., underwriting, line management, pricing, collections, fraud/risk trade-offs).
  • Solid understanding of core credit risk concepts: scorecards, cutoffs, PD/LGD/EAD, vintage analysis, loss curves, risk-based pricing, and portfolio segmentation.
  • Strong problem-solving skills with the ability to structure ambiguous problems, form hypotheses, and drive analyses end-to-end.
  • Excellent communication skills, with the ability to translate complex analytical findings into clear, actionable recommendations for non-technical stakeholders.
  • Experience working in a fintech, payments, or digital lending environment.
  • Familiarity with credit bureau data and alternative data sources.
  • Experience with experimentation (A/B testing), champion-challenger frameworks, and test design.
  • Exposure to machine learning-driven risk models and their application in production environments.
  • Experience with BI/visualization tools (e.g., Tableau, Power BI, Looker) for dashboarding and reporting.
  • Master's degree in a quantitative discipline is a plus.

Personal Attributes Desired:
  • Data-driven, detail-oriented, and intellectually curious.
  • Comfortable working in a fast-paced, evolving environment.
  • Collaborative mindset with the ability to work effectively across functions and geographies.
  • Ownership mentality and bias for action; able to drive initiatives from concept to execution.

LOCATION: San Jose, CA (Hybrid)
Job ID# 3599749
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