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Credit Risk Management Jobs in California (NOW HIRING)

Guild

VP, Credit Risk

San Diego, CA · On-site

The primary responsibilities are managing the company's underwriting guidelines, credit risk policies and loan eligibility parameters. The VP of Credit Risk ensures that the company's lending ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site

The primary responsibilities are managing the company's underwriting guidelines, credit risk policies and loan eligibility parameters. The VP of Credit Risk ensures that the company's lending ...

Guild

VP, Credit Risk

San Diego, CA · On-site

$177K - $242K/yr

The primary responsibilities are managing the company's underwriting guidelines, credit risk policies and loan eligibility parameters. The VP of Credit Risk ensures that the company's lending ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site +1

The primary responsibilities are managing the company's underwriting guidelines, credit risk policies and loan eligibility parameters. The VP of Credit Risk ensures that the company's lending ...

SKIMS

Director, Treasury & Credit Risk

Los Angeles, CA · On-site

$190K - $210K/yr

Director, Treasury & Credit Risk Department: Accounting and Finance Employment Type: Full Time ... Oversee global cash management, liquidity optimization, and investment activities, ensuring ...

SKIMS

Director, Treasury & Credit Risk

Los Angeles, CA · On-site

$190K - $210K/yr

Director, Treasury & Credit Risk Department: Accounting and Finance Employment Type: Full Time ... Oversee global cash management, liquidity optimization, and investment activities, ensuring ...

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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.
Project manager - Credit Risk and Fraud strategy

Project manager - Credit Risk and Fraud strategy

Infojini

San Francisco, CA • On-site

Other

Posted 26 days ago

Job description

Manager – Credit Risk Strategy 

Location: SF Bay Area, CA (Hybrid – 2-3 days/week in office) 

Experience: 8-12 Years 

Employment Type: Full-Time Role (No Contract) 

About the Role: 

We are seeking a Manager – Credit Risk Strategy with strong Banking or FinTech analytics experience to design and execute data-driven financial risk and fraud strategies across money movement products. This role requires ownership of the end-to-end policy lifecycle, from hypothesis development and testing to deployment and performance monitoring, using large-scale data to balance risk mitigation with business growth objectives. 

The ideal candidate will bring expertise in credit risk strategy, underwriting, fraud analytics, portfolio management, and risk policy development, along with strong analytical and stakeholder management skills. 

Key Responsibilities: 

  • Support financial risk and fraud aspects of business initiatives, including responding to high-severity and time-sensitive risk incidents. 

  • Apply industry knowledge, statistical modeling, and analytics to develop practical risk strategies using large-scale transactional and account-level data. 

  • Own the full lifecycle of risk strategy and policy development: 

  • Identify opportunities 

  • Define action plans 

  • Test policies 

  • Deploy strategies to production 

  • Monitor performance and optimize outcomes 

  • Build expertise across risk types in money movement products while balancing risk mitigation with business growth objectives. 

  • Partner with Data Science, Risk Operations, Product, Data Engineering, and Analytics teams to design segmentation strategies and portfolio analyses. 

  • Develop and implement underwriting strategies, including credit limits, eligibility criteria, and segmentation frameworks. 

  • Monitor portfolio trends, concentration risks, and segment-level performance. 

Key Business Problems / Use Cases: 

  • Underwriting, credit limits, and eligibility-based decisioning. 

  • Portfolio monitoring, including segmentation, trend analysis, and concentration risk assessment. 

  • Financial loss forecasting and behavioral modeling using payments, card/ACH, and account-level data. 

  • Hypothesis-driven analysis to improve risk strategies and customer outcomes. 

  • End-to-end policy lifecycle management: Design → Test → Launch → Monitor → Iterate. 

Required Qualifications: 

  • Strong experience in risk strategy, credit policy, underwriting, fraud, or financial risk analytics. 

  • Hands-on experience working with large datasets and solving complex analytical problems. 

  • Proficiency in SQL and Python for data analysis and model implementation. 

  • Experience in statistical modeling, forecasting, or risk analytics. 

  • Ability to translate business problems into data-driven solutions. 

  • Strong communication and stakeholder management skills. 

  • Experience working in cross-functional and fast-paced environments. 

  • Banking or FinTech industry analytics experience is required. 

  • 3-6+ years of relevant experience in fraud, credit, or financial risk analytics. 

Preferred Qualifications: 

  • Bachelor’s degree in Data Science, Statistics, Mathematics, Economics, Finance, Engineering, or another quantitative discipline. 

  • Master’s degree in a related quantitative field is a plus. 

  • Experience within Financial Services, FinTech, Banking, Payments, Lending, or Risk Management domains. 

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About Infojini

Sourced by ZipRecruiter

Infojini Consulting is a full service IT consulting, services, and staffing firm with offices in Linthicum Heights ,Maryland, Washington, DC and Mumbai, India. Infojini Consulting is recognized as one of the fastest growing IT services and software development Companies. With a partnership of all major technology vendors, Infojini Consulting has built a strong Government and commercial customer base including fortune 100 companies and most state and federal agencies such as State of North Carolina, State of South Carolina, State of Maryland, State of California, State of Pennsylvania, State of Virginia, State of Washington and many others.

Industry

Recruiting and staffing services

Company size

51 - 200 Employees

Headquarters location

Columbia, MD, US

Year founded

2006

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