ZipRecruiter

Log In

1

Credit Risk Management Jobs in California (NOW HIRING)

Calpine

Credit Risk Analyst

San Diego, CA · On-site

$70K - $88K/yr

Generates an array of accurate monthly, quarterly and annual management reports * Establishes and ... Supports the Director, Credit Risk as required by performing special projects, ad hoc reporting ...

Calpine

Credit Risk Analyst

San Diego, CA

$70K - $88K/yr

Generates an array of accurate monthly, quarterly and annual management reports * Establishes and ... Supports the Director, Credit Risk as required by performing special projects, ad hoc reporting ...

next page

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 6, 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 June 2026, with employment types broken down into 100% Full Time. Highlights an 85% In-person, and 15% Hybrid job distribution, with an average salary of $156,239 per year, or $75.1 per hour.
Director, Credit Risk Analytics & Capital Markets

Director, Credit Risk Analytics & Capital Markets

Achieve

San Mateo, CA

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 5 days ago

Job description

Company Description

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.

Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $40B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $11Bn in personal and home loans originations via our banking-as-a-service partner.

Job Description

We are seeking a visionary and execution-oriented Director of Credit Analytics & Capital Markets to lead the development of next-generation credit risk capabilities, with a strong focus on leveraging AI and advanced analytics to transform credit underwriting at Achieve. This individual will also serve as the connect point between Credit Risk and Capital Markets/Investors, turning complex risk models and portfolio performance into a clear, compelling growth narrative for the investment community. This leader will drive strategic initiatives that enhance risk-adjusted returns, improve underwriting efficiency, strengthen investor confidence, and support scalable growth. 

This role requires deep expertise in consumer credit risk analytics and is ideal for a hands-on leader who combines strong quantitative capabilities with capital markets fluency and executive-level communication skills. 

What you'll do:

Credit Analytics & Portfolio Risk Management

  • Develop and enhance analytical frameworks to assess portfolio credit quality, monitor portfolio performance, and surface emerging credit trends.

  • Partner with Capital Markets, Finance, and Business teams to optimize risk-adjusted returns and identify opportunities for swap in/out segments at the margin.

  • Track macroeconomic, industry, and market developments and assess their potential impact on portfolio performance and credit risk.

  • Collaborate closely with Credit Modeling teams to identify emerging risk signals and incorporate business insights into model development, validation, and enhancement efforts.

AI-Driven Credit Underwriting Strategy

  • Lead the exploration and practical development of Credit Risk's AI and advanced analytics strategy to strengthen underwriting, risk assessment, and portfolio management capabilities.

  • Identify, evaluate, and integrate alternative internal and external data sources to enhance borrower assessment, risk identification, and predictive model performance.

  • Pilot and deploy AI agents and advanced analytical tools to accelerate risk management workflows, enhance signal detection, and improve speed-to-insight and execution.

  • Drive automation of underwriting processes to improve decision speed, consistency, operational efficiency, and scalability.

Capital Markets Support

  • Partner with Capital Markets and Finance teams to support securitizations, warehouse facilities, whole-loan sales, and other structured finance transactions.

  • Translate credit forecasts, portfolio performance, and strategic initiatives into clear, investor-focused narratives and capital markets communications.

  • Design and maintain a suite of BAU reporting and analytics to support investor relations, transaction execution, and ongoing capital markets activities.

  • Own Credit Enhancement projections in partnership with the Loss Forecasting team, proactively identifying risks, opportunities, and key drivers impacting Credit Enhancement liability.

Qualifications

  What you'll bring:

  • 8+ years of experience in credit risk analytics, credit strategies, or quantitative risk management or related financial services disciplines.

  • 5+ years of leadership experience managing analytics, data science, or credit risk functions.

  • Strong knowledge of consumer lending (Personal loans, HELOC) 

  • Proven track record leading strategic transformation initiatives and cross-functional programs.

  • Advanced analytical skills (SQL, Python, or similar).

  • Ability to translate complex analytical concepts into actionable business recommendations.

  • Strong analytical, problem solving and communication skills.

  • Strategic thinker with strong business acumen and executive presence.

  • Strong stakeholder management skills across executive leadership, investors, regulators, and external partners.

Preferred:

  • Experience supporting Capital Markets function at a fintech.

  • Demonstrated experience deploying AI/ML solutions in lending, underwriting, or risk management environments.

  • Strong knowledge of Debt Settlement business.

Additional Information

All your information will be kept confidential according to EEO guidelines.

Achieve well-being with:

  • 401 (k) with employer match
  • Medical, dental, and vision with HSA and FSA options  
  • Competitive vacation and sick time off, as well as dedicated volunteer days
  • Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
  • Pet care discounts for your furry family members
  • Financial support in times of hardship with our Achieve Care Fund
  • A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

We are proudly offering hybrid options in the San Mateo, CA and Phoenix, AZ metro market. In other locations throughout the country, we offer work from home.

Salary Range: $240,000 - $270,000 + bonus + benefits. 

This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.

Join Achieve, change the future.

At Achieve, we're changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you'll get to be a part of their journey to a better financial future. We're proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job-it's a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve's Talent Acquisition leader.

#LI-KV1

Apply