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Credit Risk Management Jobs in California (NOW HIRING)

Intuit

Manager 3, Credit Risk

Mountain View, CA · On-site

Drive portfolio growth while maintaining disciplined risk management and strong unit economics * Anticipate macroeconomic and market-driven risks; adapt strategy proactively Credit Strategy ...

Intuit

Manager 3, Credit Risk

Mountain View, CA

Drive portfolio growth while maintaining disciplined risk management and strong unit economics * Anticipate macroeconomic and market-driven risks; adapt strategy proactively Credit Strategy ...

Intuit

Manager 3, Credit Risk

Mountain View, CA

Drive portfolio growth while maintaining disciplined risk management and strong unit economics * Anticipate macroeconomic and market-driven risks; adapt strategy proactively Credit Strategy ...

Valley Bank

Credit Risk Manager

Los Angeles, CA · On-site

... management. Identifies, outlines, and mitigates risks associated with potential lending ... Ensures credits are accurately risk rated and are properly monitored and reported. * Prepares all ...

Airwallex

Manager, Credit Risk Operations

San Francisco, CA · On-site

$130K - $160K/yr

Build, maintain and iterate standard operating procedures (SOPs) for credit risk management, including vetting, investigation and ongoing monitoring * Develop structured reporting and dashboards to ...

Prosper

Credit Risk Analyst

San Francisco, CA · On-site

$122K - $140K/yr

A Credit Risk Analyst at Prosper has the opportunity to utilize advanced analytical skills to ... Conduct ad-hoc analysis related to risk management, product, and operations * Analyze portfolio ...

Prosper

Credit Risk Analyst

San Francisco, CA · On-site +1

$122K - $140K/yr

A Credit Risk Analyst at Prosper has the opportunity to utilize advanced analytical skills to ... Conduct ad-hoc analysis related to risk management, product, and operations * Analyze portfolio ...

Prosper

Credit Risk Analyst

San Francisco, CA · On-site +1

$122K - $140K/yr

A Credit Risk Analyst at Prosper has the opportunity to utilize advanced analytical skills to ... Conduct ad-hoc analysis related to risk management, product, and operations * Analyze portfolio ...

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Showing results 1-20

All JobsCredit Risk Management JobsCredit Risk Management Jobs in California

Credit Risk Management information

See California salary details

$85.4K

$156.2K

$236.4K

How much do credit risk management jobs pay per year?

As of Jul 26, 2026, the average yearly pay for credit risk management in California is $156,239.00, according to ZipRecruiter salary data. Most workers in this role earn between $131,800.00 and $175,200.00 per year, depending on experience, location, and employer.

Does credit risk pay well?

Credit risk management professionals typically earn competitive salaries that vary by experience, location, and industry. Entry-level roles may start lower, while experienced analysts and managers can earn higher compensation, often supplemented by bonuses and certifications such as CFA or FRM. Overall, it is considered a well-paying field within finance and risk management sectors.

What are some common challenges faced by professionals in Credit Risk Management, and how can they be addressed?

Professionals in Credit Risk Management often encounter challenges such as assessing complex borrower profiles, keeping up with changing regulatory requirements, and managing large volumes of data. To address these, it's important to develop strong analytical skills, stay updated on industry regulations, and leverage technology for more efficient data analysis. Collaborating closely with other departments, such as sales and compliance, also helps ensure well-rounded risk assessments and effective risk mitigation strategies.

What are the key skills and qualifications needed to thrive in Credit Risk Management, and why are they important?

To thrive in Credit Risk Management, you need strong analytical skills, financial modeling expertise, and a solid background in finance or economics, often supported by a relevant degree. Familiarity with risk assessment software, credit scoring systems, and regulatory compliance tools such as Basel III is highly valued. Attention to detail, effective communication, and sound judgment are crucial soft skills for evaluating creditworthiness and collaborating with stakeholders. These skills ensure accurate risk assessments, regulatory compliance, and informed decision-making to protect the organization's financial health.

What is the salary of credit risk officer?

The salary of a credit risk officer varies depending on experience, location, and the employer, but typically ranges from $70,000 to $130,000 annually. At firms like JP Morgan, entry-level positions may start around $80,000, with experienced officers earning over $120,000, often supplemented by bonuses and benefits.

What is the highest paying risk management job?

In risk management, senior roles such as Chief Risk Officer (CRO) or Risk Executive typically have the highest salaries, often exceeding six figures annually. These positions require extensive experience, advanced certifications like FRM or CFA, and oversight of enterprise-wide risk strategies.

What does a credit risk manager do?

A credit risk manager assesses the creditworthiness of individuals or organizations to determine the likelihood of default on loans or credit agreements. They analyze financial data, develop risk mitigation strategies, and monitor credit portfolios using tools like credit scoring models and financial analysis software to minimize potential losses for their organization.

What is the difference between Credit Risk Management vs Credit Analysis?

AspectCredit Risk ManagementCredit Analysis
Primary FocusAssessing and mitigating overall credit risk for an organizationEvaluating individual creditworthiness of borrowers
CertificationsTypically requires certifications like CFA, Credit Risk certificationsOften requires financial analysis certifications or degrees
Work EnvironmentStrategic, risk-focused, often in risk departmentsAnalytical, detail-oriented, in credit or lending departments
Industry UsageCommon in banking, financial services, and lending institutionsUsed across banks, credit agencies, and lending firms

While both roles involve assessing financial information, Credit Risk Management focuses on the broader risk exposure of the organization, whereas Credit Analysis concentrates on evaluating individual borrowers' creditworthiness. Understanding these differences helps professionals and employers align roles with skills and organizational needs.

What is Credit Risk Management?

Credit Risk Management is the process of identifying, assessing, and mitigating the risk that a borrower or counterparty will fail to meet their financial obligations. Professionals in this field analyze creditworthiness, set lending policies, and monitor existing loans to minimize potential losses for banks or financial institutions. Effective credit risk management helps ensure the stability of financial systems and protects organizations from significant financial loss.
What are popular job titles related to Credit Risk Management jobs in California? For Credit Risk Management jobs in California, the most frequently searched job titles are:
What job categories do people searching Credit Risk Management jobs in California look for? The top searched job categories for Credit Risk Management jobs in California are:
What cities in California are hiring for Credit Risk Management jobs? Cities in California with the most Credit Risk Management job openings:
Credit Risk Management jobs near you
Infographic showing various Credit Risk Management job openings in California as of July 2026, with employment types broken down into 85% Full Time, 14% Part Time, and 1% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $156,239 per year, or $75.1 per hour.
Manager 3, Credit Risk

Manager 3, Credit Risk

Intuit

Mountain View, CA • On-site

Full-time

Posted 11 days ago

Intuit rating

8.4

Company rating: 8.4 out of 10

Based on 90 frontline employees who took The Breakroom Quiz

87th of 245 rated software companies

Job description

As a premier and rapidly expanding provider of small business financing within the United States, QuickBooks Capital operates as a financial technology innovator under Intuit, committed to transforming the landscape of small business lending. Our primary product offerings include term loans and lines of credit, both of which are developed and evolved with a steadfast commitment to customer-centricity. We are building a world-class team of problem-solvers and visionary thinkers who thrive on cross-functional collaboration and high-stakes challenges. The small business lending sector has been experiencing rapid evolution with the emergence of sophisticated alternative data and methodologies. We are seeking a visionary credit leader to lead a multi-billion dollar lending function, an individual who integrates a disciplined risk management foundation with an innovation-first mindset. If you are a professional dedicated to driving sustainable growth and continuous evolution within a highly dynamic, pioneering, and collaborative professional environment, we would like to hear from you.
Responsibilities
The role as QuickBooks Capital credit risk manager will own the responsibilities including:
Portfolio Ownership & Strategy
  • Oversee the overall credit risk strategy development for QB Capital Direct Lending products.
  • Define risk appetite, portfolio guardrails, and return thresholds aligned with business objectives
  • Drive portfolio growth while maintaining disciplined risk management and strong unit economics
  • Anticipate macroeconomic and market-driven risks; adapt strategy proactively

Credit Strategy & Decisioning
  • Lead the design and evolution of underwriting strategies, segmentation, and pricing frameworks
  • Oversee credit policy, approval strategies, and line assignment methodologies
  • Guide test-and-learn experimentation to continuously optimize risk vs. growth tradeoffs
  • Ensure scalable, automated decisioning aligned with long-term platform goals

Analytics, Modeling & Insights
  • Set the vision for portfolio analytics, including vintage performance, lifetime value, and risk-adjusted returns
  • Partner with Data Science to prioritize and shape credit models and decision systems
  • Translate data into clear, strategic recommendations for executive stakeholders
  • Establish KPIs and reporting frameworks that drive accountability and transparency

Cross-Functional Leadership
  • Act as the primary risk partner to Product, Capital Markets, Finance, and Operations
  • Influence product roadmap decisions to embed risk-aware design and customer segmentation
  • Support capital strategy, including investor discussions, forward flow agreements, and funding optimization
  • Align stakeholders on tradeoffs between growth, customer experience, and credit risk

Team Leadership & Capability Building
  • Lead and mentor a team of credit risk analysts and managers (or build the team as the portfolio scales)
  • Establish best practices in credit risk management, experimentation, and governance
  • Foster a culture of data-driven decision-making and continuous improvement

Governance & Regulatory Oversight
  • Ensure robust risk governance, including policy frameworks, model validation, and audit readiness
  • Interface with internal risk, compliance, and legal teams to meet regulatory expectations
  • Present portfolio performance, risks, and strategies to senior leadership and risk committees

Qualifications
Basic Qualifications
  • Advanced degree (MS/PhD) in a quantitative field such as Statistics, Economics, Operations Research, Engineering, or a related discipline
  • 15+ years of experience in credit risk within lending, fintech, or financial services, with significant ownership of portfolio performance
  • 8+ years of people leadership experience, including building, managing, and developing high-performing teams of risk analysts and/or data scientists
  • Proven track record owning credit strategy for large-scale lending portfolios (preferably $2B+), with demonstrated impact on growth, loss performance, and profitability
  • Deep expertise in underwriting, credit policy design, and end-to-end portfolio risk management across the customer lifecycle
  • Strong analytical and technical skills, including hands-on experience with SQL and data-driven decisioning; ability to work closely with data science on models and experimentation
  • Demonstrated ability to define risk appetite, translate business goals into actionable credit strategies, and execute through cross-functional teams
  • Strong business acumen with experience balancing risk, growth, and customer experience in a dynamic environment
  • Excellent communication skills, with the ability to synthesize complex quantitative insights into clear, actionable recommendations for executive stakeholders
  • Proven ability to operate with high ownership, navigate ambiguity, and lead large, cross-functional initiatives end-to-end

Preferred Qualifications
  • Experience in small business lending, merchant financing, cash flow underwriting or embedded finance ecosystems
  • Familiarity with alternative data underwriting (e.g., cash flow, transaction data) and modern fintech credit approaches
  • Direct experience developing, deploying, or overseeing credit risk models and decision engines in production environments
  • Experience partnering with Capital Markets teams, including exposure to funding strategies, forward flow agreements, or investor reporting
  • Strong understanding of regulatory expectations, model governance, and risk controls in a lending environment
  • Prior experience in a high-growth or platform-based business, with a track record of scaling risk infrastructure alongside product growth

What You'll Bring
  • Strategic ownership mindset with the ability to operate at both high-level and deep-dive detail
  • Strong business judgment and ability to balance growth, risk, and customer impact
  • Comfort navigating ambiguity and shaping new products or portfolios from early stages
  • Executive-level communication and storytelling with data

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Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position may be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at ). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender.
The expected base pay range for this position is:
Mountain View $233,500 - $316,000

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