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Credit Risk Management Jobs in Delaware (NOW HIRING)

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Credit Risk Management information

See Delaware salary details

$86.6K

$158.4K

$239.7K

How much do credit risk management jobs pay per year?

As of Jun 19, 2026, the average yearly pay for credit risk management in Delaware is $158,449.00, according to ZipRecruiter salary data. Most workers in this role earn between $133,600.00 and $177,700.00 per year, depending on experience, location, and employer.

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 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 Delaware? For Credit Risk Management jobs in Delaware, the most frequently searched job titles are:
What job categories do people searching Credit Risk Management jobs in Delaware look for? The top searched job categories for Credit Risk Management jobs in Delaware are:
What cities in Delaware are hiring for Credit Risk Management jobs? Cities in Delaware with the most Credit Risk Management job openings:
Credit Risk Management jobs near you
Director, Credit Risk Oversight - Consumer Lending (2nd Line of Defense)

Director, Credit Risk Oversight - Consumer Lending (2nd Line of Defense)

Best Egg

Wilmington, DE • On-site

$125K - $150K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 7 days ago

Job description

Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, we combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution-working together to create a better financial future for our customers and communities.


At Best Egg, you'll find a culture grounded in our core values-putting people first, creating clarity, delivering with excellence -enhanced by Barclays' commitment to integrity, inclusion, and long-term impact. Together, we empower our colleagues to challenge, innovate, and take ownership while making a meaningful difference in people's financial lives.


With the strength of Barclays behind us, we offer expanded opportunities for growth, development, and career mobility across a global organization-while continuing to build the products and experiences that make Best Egg unique.


We're looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us.


We're proud to be an equal opportunity employer committed to building a diverse and inclusive team.


About the Role

We are seeking an experienced Director of Credit Risk Oversight to join our Second Line of Defense (2LOD) supporting unsecured and secured personal loan products. This role will provide independent oversight, governance, and credible challenge across credit underwriting, pricing, loan amount, portfolio performance, credit policy governance, and risk appetite.

This individual will play a critical role in ensuring that credit strategy and growth initiatives are aligned with the company's risk appetite, regulatory expectations, and sound risk management practices.

Key Responsibilities:

Credit Risk Oversight & Governance

  • Provide independent 2LOD oversight and challenge of credit underwriting, loan amount/credit exposure, pricing, and portfolio performance strategies
  •  Ensure effective governance frameworks are in place for credit decisioning, strategy changes, documentation, and reporting

Portfolio Monitoring & Risk Analytics

  • Monitor portfolio performance across originations, vintages, and customer segments
  • Identify emerging risks, evolving trends, and portfolio concentration opportunities
  • Evaluate impacts of strategy changes on approval rates, credit quality, and profitability

 Marketing & Growth Strategy Oversight

  • Understanding of marketing and growth strategies impacts to ensure alignment with credit risk appetite and portfolio objectives
  • Review expansion strategies (e.g., new segments, channels, or products) for risk implications

Regulatory & Compliance Oversight

  • Ensure adherence to applicable consumer lending and fair lending regulations (e.g., ECOA/Reg B, FCRA, UDAAP, etc.)
  • Provide effective challenge on fair lending risk, model bias, and disparate impact considerations
  • Support regulatory exams, internal audits, and issue remediation

Risk Reporting & Governance

  • Develop and maintain credit risk reporting, insights, and dashboards  
  • Escalate material risks, control gaps, or model concerns in a timely manner

Change Management & Innovation

  • Provide oversight of new credit strategies, model deployments, and product launches
  • Ensure appropriate risk assessment and governance for FinTech-driven innovations (e.g., alternative data, AI/ML models)
  • Support ongoing enhancement of credit risk frameworks and controls
Qualifications:

Required Experience

  • 10+ years of experience in credit risk management, underwriting, or portfolio risk within consumer lending
  • Direct experience managing or overseeing first or second line of defense credit risk functions required
  • Experience in 2LOD, model risk, validation, or audit, or strong exposure to independent oversight functions
  • Deep understanding of credit risk models and decision strategies
  • Proven experience analyzing portfolio performance and credit trends

Preferred Experience

  • Experience in a FinTech and/or regulated banking environment  
  • Exposure to digital lending, alternative data, or advanced analytics/ML models

Regulatory Knowledge

  • Strong knowledge of consumer lending regulations, including:
    • ECOA / Regulation B (fair lending)
    • FCRA
    • UDAAP
  • Experience in addressing fair lending and model governance risks preferred
Skills & Competencies
  • Strong risk and control mindset with ability to provide independent, credible challenge
  • Advanced analytical and quantitative skills
  • Ability to connect credit strategy decisions to portfolio outcomes and risk appetite
  • Excellent communication and stakeholder management
  • Ability to operate effectively in a fast-paced, data-driven FinTech environment
  • Willingness to adapt to a fast-paced environment and adjust priorities accordingly
$125,000 - $150,000 a year
Employee Benefits
Best Egg offers many additional benefits for our employees, including (but not limited to):
       Pre-tax and post-tax retirement savings plans with a competitive company matching
program
       Generous paid time-off plans including vacation, personal/sick time, paid short--
term and long-term disability leaves, paid parental leave, and paid company
holidays
       Multiple health care plans to choose from, including dental and vision options
       Flexible Spending Plans for Health Care, Dependent Care, and Health
Reimbursement Accounts
       Company-paid benefits such as life insurance, wellness platforms, employee
assistance programs, and Health Advocate programs
       Other great discounted benefits include identity theft protection, pet insurance,
fitness center reimbursements, and many more!
 
 
In compliance with the CCPA, Best Egg is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy  here 
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