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Credit Risk Jobs in California (NOW HIRING)

Uber

B2B Credit Risk Manager

San Francisco, CA · On-site +1

As a B2B Credit Risk Manager, you will lead initiatives across Credit Risk Management, Process Improvement & AI Automation, Cross Functional Initiatives. This work directly impacts cash flow ...

SoFi

Credit Strategy - Risk Lead

San Francisco, CA

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 ...

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 ...

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 Location: Los Angeles HQ Compensation: $190,000 - $210,000 / year Description SKIMS is a solutions ...

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 Location: Los Angeles HQ Compensation: $190,000 - $210,000 / year Description SKIMS is a solutions ...

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 ...

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Showing results 1-20

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 Jul 5, 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 June 2026, with employment types broken down into 80% Full Time, 16% Part Time, 2% Temporary, and 2% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $107,883 per year, or $51.9 per hour.
Director, Credit Risk Analytics & Capital Markets

Director, Credit Risk Analytics & Capital Markets

Achieve

Los Angeles, CA • On-site, Remote

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.
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