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Credit Risk Jobs in California (NOW HIRING)

Chase

Environmental Credit Risk Sr Officer

Irvine, CA · On-site

Environmental Credit Risk Associate Bring your expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the ...

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, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies ...

SKIMS

Director, Treasury & Credit Risk

Los Angeles, CA · On-site

SKIMS is seeking a Director, Treasury to lead our global treasury and credit risk functions. This is a critical leadership role for a high-growth consumer and retail company embarking on significant ...

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All JobsCredit Risk JobsCredit Risk Jobs in California

Credit Risk information

See California salary details

$49.3K

$107.9K

$180.6K

How much do credit risk jobs pay per year?

As of Jun 7, 2026, the average yearly pay for credit risk in California is $107,883.00, according to ZipRecruiter salary data. Most workers in this role earn between $74,000.00 and $140,100.00 per year, depending on experience, location, and employer.

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

To thrive as a Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial statements, and a background in finance, economics, or a related field, often supported by a relevant degree or certification (such as FRM or CFA). Familiarity with risk assessment tools, financial modeling software, and credit rating systems is typically required. Attention to detail, critical thinking, and effective communication are essential soft skills for interpreting data and presenting risk assessments to stakeholders. These skills and qualities are crucial for making informed decisions that minimize financial losses and ensure sound lending practices.

What is the difference between Credit Risk vs Credit Analyst?

AspectCredit RiskCredit Analyst
Primary FocusAssessing the likelihood of borrower default to manage overall credit riskAnalyzing credit data to determine creditworthiness of individual applicants
Work EnvironmentRisk management teams, financial institutions, credit departmentsBanking, lending institutions, financial services
Required CredentialsOften requires risk management certifications, finance degreesFinance or accounting degrees, certifications like CFA or credit-specific courses

While both roles involve understanding credit, Credit Risk focuses on managing the overall risk exposure of an organization, whereas a Credit Analyst evaluates individual credit applications to determine approval. Both roles are essential in the lending process but differ in scope and responsibilities.

What is credit risk and what does a credit risk professional do?

Credit risk refers to the possibility that a borrower or counterparty will fail to meet their financial obligations, such as repaying a loan or making payments on time. Credit risk professionals analyze financial data, assess the creditworthiness of individuals or companies, and help set lending policies to minimize potential losses for banks or financial institutions. They use various models and tools to evaluate risk, monitor existing loans, and recommend strategies to mitigate exposure. Their work is essential for maintaining the financial health and stability of lending organizations.

What are some typical challenges faced by professionals in credit risk roles, and how can they be addressed?

Credit risk professionals often encounter challenges such as assessing the creditworthiness of new and existing clients, keeping up with rapidly changing market conditions, and managing large volumes of data to make informed decisions. To address these, it's important to stay updated on industry trends, develop strong analytical and communication skills, and leverage advanced risk assessment tools. Collaborating closely with colleagues in underwriting, sales, and compliance teams also helps ensure well-rounded risk evaluations and consistent application of policies.
What are the most commonly searched types of Credit Risk jobs in California? The most popular types of Credit Risk jobs in California are:
What are popular job titles related to Credit Risk jobs in California? For Credit Risk jobs in California, the most frequently searched job titles are:
What job categories do people searching Credit Risk jobs in California look for? The top searched job categories for Credit Risk jobs in California are:
What cities in California are hiring for Credit Risk jobs? Cities in California with the most Credit Risk job openings:
Credit Risk jobs near you
Infographic showing various Credit Risk job openings in California as of May 2026, with employment types broken down into 87% Full Time, 11% Part Time, and 2% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $107,883 per year, or $51.9 per hour.

Manager - Credit Risk Strategy

Inizio Partners Corp

San Francisco, CA • Hybrid

Full-time

Posted 2 days ago

Job description

Role: Manager - Credit Risk Strategy

Location: Bay Area, CA

Type: Hybrid (2-3 days in office / week)

Responsibilities:

As a Risk Strategy professional, you will design and execute data-driven financial risk and fraud strategies across money movement products. You will own the end-to-end policy lifecycle- from hypothesis and testing to deployment and performance monitoring-using large-scale data to balance risk mitigation with business growth. You will collaborate with cross-functional teams to build scalable solutions and respond to critical risk events.

  • Support financial risk and fraud aspects of business initiatives, including responding to high-severity and time-sensitive risk incidents
  • Apply industry knowledge, statistical modelling, 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 to production, and monitor performance
  • Build expertise across risk types in money movement products, 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 limits, eligibility criteria, and segmentation frameworks
  • Monitor portfolio trends, including 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 modelling 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

Candidate Profile:

  • Strong experience in risk strategy, credit policy, underwriting, fraud or financial analytics
  • Hands-on experience with large datasets and analytical problem-solving
  • 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, fast-paced environments

Preferred Qualifications:

  • Bachelor's degree in quantitative fields such as Data Science, Statistics, Mathematics, Economics, Finance, or Engineering
  • Master's degree in a related quantitative discipline is a plus
  • Experience in financial services, fintech, or risk management domains