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Credit Risk Jobs in New York (NOW HIRING)

Gauntlet

Credit Risk Researcher

New York, NY

You will own credit risk for one of the largest asset managers in onchain finance. Gauntlet serves $1.5B+ in client TVL, and every dollar of credit we extend onchain runs through a risk function that ...

Gauntlet

Credit Risk Researcher

New York, NY · On-site +1

You will own credit risk for one of the largest asset managers in onchain finance. Gauntlet serves $1.5B+ in client TVL, and every dollar of credit we extend onchain runs through a risk function that ...

Made Card

Credit Risk Manager

New York, NY · Remote

$100K - $110K/yr

About the Role The Credit Risk Manager will play a critical role in shaping and leading Made Card's credit risk strategy across the customer lifecycle. You'll drive underwriting, pricing ...

Made Card

Credit Risk Manager

New York, NY · On-site

$100K - $110K/yr

About the Role The Credit Risk Manager will play a critical role in shaping and leading Made Card's credit risk strategy across the customer lifecycle. You'll drive underwriting, pricing ...

Adecco

Credit Risk Analyst

Parsippany, NJ · Hybrid

$29.25/hr

The Credit & Collections Analyst will support the Credit Risk Management and Collections teams by evaluating customer creditworthiness, analyzing financial and trade reports, and helping minimize ...

Adecco

Credit Risk Analyst

Parsippany, NJ · Hybrid

$29.25/hr

The Credit & Collections Analyst will support the Credit Risk Management and Collections teams by evaluating customer creditworthiness, analyzing financial and trade reports, and helping minimize ...

BNY

Director, Credit Risk Review

Manhattan, NY · On-site

Director, Credit Risk Review We're seeking a future team member for the role of Director, Credit Risk Review to join our Model Risk team. This role is located in New York City, New York. In this role ...

BNY

Director, Credit Risk Review

Manhattan, NY · On-site

We're seeking a future team member for the role of Director, Credit Risk Review to join our Model Risk team. This role is located in New York City, New York. In this role, you'll make an impact in ...

ACT Group

Sr. Credit Risk Analyst

New York, NY

$100K - $150K/yr

As a Senior Credit Risk Analyst, you will join our Global Risk team in New York and oversee credit risk activities across the Americas. Working closely with senior traders and the Global Risk ...

ACT Group

Sr. Credit Risk Analyst

New York, NY · On-site

$100K - $150K/yr

As a Senior Credit Risk Analyst, you will join our Global Risk team in New York and oversee credit risk activities across the Americas. Working closely with senior traders and the Global Risk ...

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All JobsCredit Risk JobsCredit Risk Jobs in New York

Credit Risk information

See New York salary details

$54.7K

$119.6K

$200.2K

How much do credit risk jobs pay per year?

As of Aug 8, 2026, the average yearly pay for credit risk in New York is $119,593.00, according to ZipRecruiter salary data. Most workers in this role earn between $82,100.00 and $155,400.00 per year, depending on experience, location, and employer.

What is the average salary of a credit risk analyst?

The average salary of a credit risk analyst typically ranges from $60,000 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 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.

How to start a career in credit risk?

To start a career in credit risk, obtain a bachelor's degree in finance, economics, or a related field, and develop strong analytical and quantitative skills. Gaining experience through internships or entry-level roles in banking, finance, or risk management helps build relevant expertise, and earning certifications like the Financial Risk Manager (FRM) can enhance job prospects.
What are the most commonly searched types of Credit Risk jobs in New York? The most popular types of Credit Risk jobs in New York are:
What are popular job titles related to Credit Risk jobs in New York? For Credit Risk jobs in New York, the most frequently searched job titles are:
What job categories do people searching Credit Risk jobs in New York look for? The top searched job categories for Credit Risk jobs in New York are:
What cities in New York are hiring for Credit Risk jobs? Cities in New York with the most Credit Risk job openings:
Credit Risk jobs near you
Infographic showing various Credit Risk job openings in New York as of August 2026, with employment types broken down into 67% Full Time, and 33% Contract. Highlights an 100% In-person job distribution, with an average salary of $119,593 per year, or $57.5 per hour.

Credit Risk Researcher

Gauntlet

New York, NY

Full-time

Medical, Dental, Vision, PTO

Re-posted 16 days ago

Job description

You will own credit risk for one of the largest asset managers in onchain finance. Gauntlet serves $1.5B+ in client TVL, and every dollar of credit we extend onchain runs through a risk function that is yours to build. This is not a seat where you inherit a model and press run. You will define the underwriting standards, design the frameworks, set the redlines, and be the internal check on every asset-onboarding decision Gauntlet makes, working shoulder-to-shoulder with Capital Markets, Vault Curation, and senior leadership. If you want to build the credit infrastructure for institutional finance moving onchain, rather than maintain someone else's, read on. About Gauntlet

Gauntlet builds the financial systems of the future. While much of onchain finance is focused on point solutions, we operate across the entire stack to offer best-in-class vault products. Today we serve over $1.5B in client TVL across some of the largest fintechs/neobanks, protocols, exchanges, and capital allocators in crypto - and, increasingly, traditional asset management. Our team brings together traditional finance and crypto-native expertise to deliver durable, sophisticated products for institutional clients moving onchain.

The role

The Credit Risk team runs due diligence on the assets, protocols, and chains supported by Gauntlet's lending and vault products, sets the guardrails that govern our lending activity, and monitors credit assets both off-chain and on-chain. You will work the full credit lifecycle - initial diligence and deal structuring through ongoing portfolio surveillance - across direct lending, structured facilities, and on-chain/off-chain securitization. You own the risk models, the parameters, and the monitoring cadence. You partner with Capital Markets on structuring and with Product and Engineering to embed credit controls directly into our on-chain infrastructure.

What you'll do
  • Underwrite institutional and on-chain credit relationships, and build/own the credit models for RWA assets - PD/LGD frameworks, vintage loss curves, advance-rate haircut schedules, and stress scenarios.
  • Run the due-diligence gate for new credit and asset-issuer relationships: structured protocol reviews (solvency, oracle infrastructure, governance, security posture), historical on-chain data analysis, counterparty financials and legal structure, redlines, and final deal approval.
  • Set the guardrails for each credit product: minimum rate floors, maximum terms, concentration limits per borrower and asset class, eligible collateral, and first-loss buffer sizing for tranched structures.
  • Partner with Capital Markets on structuring: credit input on term sheets (rate, term, size, collateral, covenants, margin-call triggers); co-design trust tranches, covenants, advance-rate schedules, and facility limits for securitized products before close.
  • Monitor the portfolio: borrower financial condition, covenant compliance, delinquency trends, and NAV integrity; flag deterioration early and work remediation or exit with Capital Markets.
  • Stress the book: elevated delinquency, funding-rate shocks, correlated default, and originator failure - validating that structural protections hold under tail conditions.
  • Maintain on-chain risk parameters: supply caps, LLTV settings, exposure thresholds, and related controls.
  • Shape credit terms guidance (what we can offer, at what rate, term, and collateral conditions) and track emerging yield strategies, protocols, and issuers to give Curation a competitive edge.
What success looks like

First 30 days. Ramp on Gauntlet's vault infrastructure, especially on-chain credit structures. Meet stakeholders across Capital Markets, Strategy & Growth, Product, and Engineering, review the current book and pipeline, and form a clear view of the existing DD framework - including its gaps in coverage, model depth, or monitoring cadence.

First 3 months. Operating as the credit-risk owner across active and incoming deal flow: running your own models on the live pipeline (PD/LGD, stress scenarios), producing structured DD memos and go/no-go recommendations for Capital Markets and Vault Curation, and established as the Credit Risk point of contact on at least one active credit product with monitoring cadence and escalation protocols in place.

In 1 year. Reviewed and closed multiple institutional credit relationships across at least two product types. Running a portfolio-monitoring function with consistent cadence (covenant tracking, delinquency surveillance, stress refresh, parameter maintenance). Recognized internally as the authority on Gauntlet's credit standards, with reusable DD playbooks and risk-parameter frameworks that compress future deal cycles for Credit Risk and Capital Markets.

What you bring
  • 3-6 years in credit risk, structured finance, leveraged finance, or asset-backed lending at a leading financial institution, credit fund, or fintech lender.
  • Direct credit-underwriting experience: PD/LGD modeling, loss-curve and vintage analysis, advance-rate structuring, covenant design, and stress testing.
  • Hands-on exposure to one or more of: direct lending, warehouse facilities, ABS/CLO structuring, securitization, asset-backed finance, or structured credit.
  • Strong grasp of legal/structural credit concepts: SPV formation, bankruptcy remoteness, security-interest perfection, covenant packages, and waterfall mechanics.
  • Portfolio-monitoring experience: delinquency tracking, covenant compliance, borrower financial review, and early-warning systems.
  • Exceptional written and verbal communication - able to distill complex credit analysis into clear, actionable recommendations for non-credit stakeholders.
  • Experience building or maintaining quantitative risk models in Python or R.
Bonus points
  • On-chain credit protocols, DeFi lending markets, or tokenized-asset structures (e.g., Morpho, Aave, tokenized ABS).
  • Crypto-native credit risk: smart-contract risk, oracle failure, depeg events, and on-chain collateral liquidity.
  • Prior work with RWA issuers, fintech lenders, or asset originators - understanding the pipeline and servicing behind the loan tape.
  • Exposure to prime-brokerage credit, repo, or securities financing from a risk perspective.
Who thrives here
  • Naturally curious about digital assets, DeFi, and the evolution of institutional credit. Prior crypto experience is not required - curiosity is.
  • Wants to own the full credit function, not just run models. Comfortable building frameworks from scratch, setting standards, and defending views with Capital Markets and senior leadership.
  • Operates with significant autonomy in an entrepreneurial environment. Wants to build the credit infrastructure, not inherit it.
  • Analytically rigorous but commercially aware - understands the credit function exists to enable deal flow, not block it, and manages that tension thoughtfully.
Benefits and Perks
  • Remote first - work from anywhere in the US & CAN!
  • Regular in-person company retreats and cross-country "office visit" perk
  • 100% paid medical, dental and vision premiums for employees
  • $1,000 WFH stipend
  • Monthly reimbursement for home internet, phone, and cellular data
  • Unlimited vacation
  • 100% paid parental leave of 12 weeks
  • Fertility benefits
  • Opportunity for incentive compensation
Please note at this time our hiring is reserved for potential employees who are able to work within the contiguous United States and Canada. Should you need alternative accommodations, please note that in your application.
 
The national pay range for this role is $160,000 - $195,000 base plus additional On Target Earnings potential by level and equity in the company. Our salary ranges are based on paying competitively for a company of our size and industry, and are one part of many compensation, benefits and other reward opportunities we provide. Individual pay rate decisions are based on a number of factors, including qualifications for the role, experience level, skill set, and balancing internal equity relative to peers at the company.  
 
#LI-Remote
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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