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Credit Risk Monitor Jobs in California (NOW HIRING)

SoFi

Credit Strategy - Risk Lead

San Francisco, CA · On-site

SoFi's Credit team manages credit risk activities for our lending products (Student Loan Refinance ... Monitor the performance of strategies and portfolios. Document and communicate results and escalate ...

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 ... Monitor debt, debt covenants, and financing strategies; ensure timely and accurate compliance ...

SKIMS

Director, Treasury & Credit Risk

Los Angeles, CA

$190K - $210K/yr

Director, Treasury & Credit Risk Department: Accounting and Finance Employment Type: Full Time ... Monitor debt, debt covenants, and financing strategies; ensure timely and accurate compliance ...

Achieve

Sr. Data Scientist (Credit Risk)

San Mateo, CA · On-site +1

You will also build and monitor credit risk models with an eye on loss forecasting and communicate the results to different teams such as Capital Market and Marketing. The candidate should have a ...

Achieve

Sr. Data Scientist (Credit Risk)

San Mateo, CA · On-site

You will also build and monitor credit risk models with an eye on loss forecasting and communicate the results to different teams such as Capital Market and Marketing. The candidate should have a ...

Achieve

Sr. Data Scientist (Credit Risk)

San Mateo, CA · On-site +1

You will also build and monitor credit risk models with an eye on loss forecasting and communicate the results to different teams such as Capital Market and Marketing. The candidate should have a ...

Achieve

Sr. Data Scientist (Credit Risk)

San Mateo, CA · On-site +1

You will also build and monitor credit risk models with an eye on loss forecasting and communicate the results to different teams such as Capital Market and Marketing. The candidate should have a ...

SoFi

Senior Credit Manager

San Francisco, CA

... monitoring and analyzing the risk trends within the portfolio to provide insights and ... The Senior Credit Manager will collaborate with cross-functional teams such as Business Units ...

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All JobsCredit Risk Monitor JobsCredit Risk Monitor Jobs in California

Credit Risk Monitor information

See California salary details

$85.4K

$156.2K

$236.4K

How much do credit risk monitor jobs pay per year?

As of Jun 22, 2026, the average yearly pay for credit risk monitor 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.

What are some common challenges faced by Credit Risk Monitors in their day-to-day work?

Credit Risk Monitors often contend with the challenge of evaluating complex financial data from multiple sources to assess a borrower's creditworthiness. They must stay updated on changing market conditions and regulatory requirements, which can impact risk assessments. Another frequent challenge is balancing the need for thorough analysis with tight reporting deadlines. Collaboration with other departments, such as loan officers and compliance teams, is essential for obtaining accurate information and ensuring company policies are followed.

Is risk analyst a high paying job?

A risk analyst, including credit risk monitor roles, typically earns a competitive salary that varies by industry, experience, and location. Entry-level positions may start lower, but experienced risk analysts with specialized skills and certifications can earn higher wages, often comparable to other finance and risk management roles.

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

To thrive as a Credit Risk Monitor, you need strong analytical skills, financial acumen, and a background in finance, accounting, or economics, often supported by a relevant degree. Familiarity with risk assessment tools, credit scoring models, and platforms such as Moody’s Analytics or S&P Global Market Intelligence is typically required. Attention to detail, effective communication, and sound judgment help in interpreting data and conveying risk findings to stakeholders. These skills are essential to accurately evaluate creditworthiness and support informed decision-making that protects organizational assets.

How much do credit risk analysts earn?

Credit risk analysts typically earn a median annual salary ranging from $60,000 to $85,000, depending on experience, location, and industry. Entry-level analysts may start at lower salaries, while experienced professionals with certifications can earn over $100,000 annually. The role often requires strong analytical skills and familiarity with financial modeling tools.

What is a Credit Risk Analyst's salary?

A Credit Risk Analyst's salary typically ranges from $55,000 to $85,000 annually, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications can earn higher salaries, often supplemented with bonuses and benefits.

What is a Credit Risk Monitor?

A Credit Risk Monitor is a professional responsible for analyzing and assessing the credit risk associated with lending or extending credit to individuals or organizations. They monitor financial statements, payment histories, and market trends to evaluate the likelihood of default. Credit Risk Monitors help financial institutions and businesses minimize losses by providing recommendations on credit limits, terms, and risk mitigation strategies. Their work is essential for maintaining the financial health and stability of organizations that rely on credit transactions.

What are the 5 C's of credit risk?

The 5 C's of credit risk—used by credit risk monitors—are Character, Capacity, Capital, Collateral, and Conditions. These factors help assess a borrower's ability and willingness to repay a loan and are fundamental in credit analysis. Understanding these elements is essential for evaluating creditworthiness and managing risk effectively.

What is the difference between Credit Risk Monitor vs Credit Analyst?

AspectCredit Risk MonitorCredit Analyst
Required credentialsTypically requires finance, economics, or related degrees; certifications like CFA are a plusSimilar educational background; certifications like CFA or CPA can be advantageous
Work environmentFinancial services, credit risk assessment, often in corporate or agency settingsBanking, lending institutions, or corporate finance departments
Employer and industry usageUsed by credit rating agencies, financial institutions, and risk management firmsCommon in banks, investment firms, and credit departments

While both roles involve financial analysis and risk assessment, Credit Risk Monitors focus on monitoring and analyzing credit risks at a broader level, often involving data aggregation and industry trend analysis. Credit Analysts typically evaluate individual creditworthiness of clients or companies to inform lending decisions. Understanding these distinctions helps in choosing the right career path or job search focus.

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

Credit Strategy - Risk Lead

SoFi

San Francisco, CA • On-site

Full-time

Posted 12 days ago

Job description

Employee Applicant Privacy Notice
Who we are:
Shape a brighter financial future with us.
Together with our members, we're changing the way people think about and interact with personal finance.
We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
SoFi's Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company's risk appetite and helps create the products and experiences that put our members' interests first.
The Credit Strategy Lead will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi's lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card.
The Credit Strategy Lead will collaborate with cross-functional teams such as Business Units, Capital Markets, Product and Engineering, and use business knowledge and quantitative and analytical skills to drive revenue, control risk, and provide value to the company and consumers.
The ideal candidate will possess a data-driven analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical analysis tools to inform decisions and support SoFi's overarching strategic goals relative to loss prevention and profit optimization. They bring new ways of thinking, data sources, technologies, and capabilities to SoFi.
What you'll do:
  • Innovate... Bring your brightest ideas to building risk strategies. This means you will architect the pre-screen and underwriting strategies.
  • Data Driven... Your deep analysis will power the future of lending with an optimal real-time data ecosystem - including multi-product internal, bureau, third-party, and alternative data sources and uses.
  • Iterate, learn, innovate... We are all responsible for innovation and must embrace data-driven decisions.
  • Control the Risk and Drive Performance Outcomes ... Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue. Monitor the performance of strategies and portfolios. Document and communicate results and escalate issues as necessary. Identify gaps/opportunities and drive actions.
  • Grow, Grow, Grow!... Be inspired by dynamic leaders and our rapidly growing business. We want YOU to be an inspired leader of tomorrow, so we are recruiting the best, brightest, and passionately quantitative team members.

What you'll need:
  • 4+ years of related experience
  • Business acumen and work experience in the consumer lending business (loans or credit cards)
  • Direct experience in the credit strategy analytical life cycle, including strategy and decision tree development, presentation, implementation validation, and post-implementation monitoring
  • Proven analytical skills in conducting sophisticated analysis using customer performance data, bureau attributes, and other 3rd party variables to solve business problems
  • Proficient skills in Excel, SQL and Python
  • A demonstrated ability to synthesize and communicate analysis to business partners and senior management
  • High motivation to drive results, eager to learn, and able to work collaboratively in a fluid environment
  • Knowledge/skills in analytical and modeling techniques such as Decision Trees, regression, logistic regression, A/B Testing, and Tableau
  • Preferred: 4+ years of consumer lending credit strategy work experience
  • Preferred: Experience in analyzing and testing credit strategies or models to meet the fair lending requirements
  • Preferred: Advanced degree (Master's or PhD) with a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science

Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

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