ZipRecruiter

Log In

1

Credit Risk Jobs in Edison, NJ (NOW HIRING)

Ramp

Credit Risk Associate

New York, NY · On-site

$108K - $200K/yr

Credit Risk Strategy owns these tradeoffs end to end. In this role, you will own or help build strategy across credit risk areas like credit limits, payment speed, and collections. You'll take ...

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 ...

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 ...

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 ...

BizTek People, Inc.

Credit Risk Analyst

Manhattan, NY · On-site

\n \n \n Prestigious international bank seeks a Credit Risk Analyst responsible for credit risk management and related administrative work for Corporate Finance Department. Works with and assists the ...

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 · 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 ...

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 ...

IDBNY

Credit Risk Analytics & Modeling

Manhattan, NY · On-site

Risk Management / Credit Risk Management Location: New York, NY (Hybrid - 3 days in office) Employment Type: Full-time Reports to: Head of Credit Risk Analytics & Modeling Visa Sponsorship: Not ...

Clear Street

Director - Credit Risk

New York, NY · Hybrid

$180K - $250K/yr

As Director of Credit Risk at Clear Street, you will be a senior leader within the Risk Management Team, responsible for shaping and executing the firm's credit risk strategy as it scales. This role ...

BNY Mellon

Director, Credit Risk Review

Manhattan, NY · On-site

Lead the development and execution of a risk-based annual Credit Risk Review plan covering key portfolios, products, and counterparties, by applying deep credit, regulatory, and market knowledge to ...

Clear Street

Director - Credit Risk

New York, NY · On-site

$180K - $250K/yr

As Director of Credit Risk at Clear Street, you will be a senior leader within the Risk Management Team, responsible for shaping and executing the firm's credit risk strategy as it scales. This role ...

next page

Showing results 1-20

All JobsCredit Risk JobsCredit Risk Jobs in Edison, NJ

Credit Risk information

See Edison, NJ salary details

$51.8K

$113.2K

$189.5K

How much do credit risk jobs pay per year?

As of Aug 18, 2026, the average yearly pay for credit risk in Edison, NJ is $113,168.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,600.00 and $147,000.00 per year, depending on experience, location, and employer.

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 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 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 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.

Do you need a degree to be a credit risk analyst?

A degree is often preferred for credit risk analyst positions, with many employers seeking candidates with a bachelor's degree in finance, economics, or related fields. However, some roles may accept relevant work experience or certifications like the Financial Risk Manager (FRM) in lieu of a degree. Strong analytical skills and knowledge of credit analysis tools are also important for this role.

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 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 per year, depending on experience, location, and industry. Professionals in this role often require strong analytical skills and knowledge of financial modeling tools.

What are the most commonly searched types of Credit Risk jobs in Edison, NJ?

The most popular types of Credit Risk jobs in Edison, NJ are:

What are popular job titles related to Credit Risk jobs in Edison, NJ?

For Credit Risk jobs in Edison, NJ, the most frequently searched job titles are:

What job categories do people searching Credit Risk jobs in Edison, NJ look for?

The top searched job categories for Credit Risk jobs in Edison, NJ are:

What cities near Edison, NJ are hiring for Credit Risk jobs?

Cities near Edison, NJ with the most Credit Risk job openings:

Credit Risk jobs near you
Infographic showing various Credit Risk job openings in Edison, NJ as of August 2026, with employment types broken down into 78% Full Time, 18% Part Time, 3% Temporary, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $113,168 per year, or $54.4 per hour.

Credit Risk Associate

Ramp

New York, NY • On-site

$108K - $200K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 5 days ago

Job description

About Ramp
Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books.
The problems are high-stakes, data-dense, and unforgiving.
We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you've built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome.
The median Ramp customer saves 5% and grows revenue 16% in their first year - far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same.
If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it.
As a member of Ramp's Risk Strategy & Operations team, you will leverage data to develop and optimize credit strategies.
Credit is one of Ramp's most consequential products. Every policy change affects how customers can grow their usage, and how responsibly Ramp scales up while managing risk. Credit Risk Strategy owns these tradeoffs end to end.
In this role, you will own or help build strategy across credit risk areas like credit limits, payment speed, and collections. You'll take ambiguous problems, get to the data, prototype the solution, and push the change with Product, Engineering, Data Science, Risk Operations, Finance, Customer Experience, and Compliance.
AI fluency is required. We use AI as a core pillar of our risk management stack, and you will be prototyping and managing related Agents and tools. You should already be using tools like Claude Code, Codex, or similar AI tools to write code, explore data, prototype apps, automate workflows, and check your own work. You do not need to be a software engineer, but you do need to use AI to ship something runnable or inspectable enough to test, improve, and hand off.
We are looking for builders with high agency and high urgency: people who prototype the workflow, not just write the recommendation for someone else to build.
What You'll Do
  • Own credit risk strategy for areas like model prototyping, credit limits, payment speed, collections, etc.
  • Use SQL, quantitative reasoning, and credit risk judgment to investigate patterns, size opportunities, define policy changes, and pressure-test recommendations.
  • Build the first useful version when the workflow does not exist: a tool, app, dashboard, agent, notebook, QA loop, monitor, or decisioning process.
  • Use AI tools every day to move faster on research, analysis, coding, synthesis, writing, verification, and follow-through.
  • Build AI into credit risk workflows: feature exploration, policy monitoring, case review, exception handling, decision support, documentation, and human-in-the-loop QA.
  • Investigate new data sources and model features; evaluate signal quality, coverage, failure modes, and how they would change credit decisions.
  • Make ambiguous credit risk decisions within your surface area, balancing loss, customer experience, operational burden, growth, compliance, and risk-adjusted returns.
  • Partner with Product, Engineering, Design, to execute and build the risk management infrastructure

What You Need
  • Minimum 2 years of experience in credit risk management or quantitative strategy role
  • Minimum 2 years of experience using SQL or Python for data retrieval and manipulations
  • AI fluency you can demonstrate live: name the tools, show an artifact, explain a recent failure mode, and walk through how you verified the output before using it in a credit risk decision.
  • Ownership in ambiguity: you define the question, get the data, make the call, communicate the tradeoffs, and drive follow-through without waiting for perfectly scoped work.
  • Strong communication: you can compress a complex credit risk decision into a clear narrative that leadership and cross-functional partners can act on.

Nice-to-Haves
  • Previous experience building credit risk in similar Card or expense management products
  • Previous experience in high-growth startups or environments where the operating model changed quickly.
  • Previous experience with Operations teams

Compensation
We are open to hiring at multiple levels for this role (Analyst, Associate, or Senior Associate). Level is determined during the interview process.
The expected base salary ranges are:
  • Analyst: $108,000 to $148,000
  • Associate: $140,000 to $192,000
  • Senior Associate: $160,000 to $200,000

These ranges reflect base salary for New York City and do not include equity or benefits, both of which this role is eligible for.
Benefits available to all full-time Ramp employees (Global)
  • Flexible PTO
  • Centralized home-office equipment ordering
  • Health and wellness stipend
  • Budget for intra-office travel
  • Weekly coffee stipend

United States
  • 100% medical, dental & vision insurance coverage for you, with partial coverage for dependents
  • One Medical annual membership
  • 401(k), including employer match on contributions made while employed by Ramp
  • Fertility HRA (up to $10,000 per year)
  • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay
  • Pet insurance
  • In-office perks: lunch, snacks, drinks, and more
  • Relocation support to NYC or SF (as needed)
Canada
  • Group medical, dental, and vision coverage through Sun Life
  • Life, AD&D, and disability coverage
  • Fertility drug coverage (up to $4,000 lifetime)
  • Group Retirement Plan with employer match (RRSP + DPSP)
  • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay, with additional time available at reduced pay
  • Employee Assistance Program and virtual care through Lumino Health

United Kingdom
  • Private medical insurance through Freedom Elite
  • Virtual GP and at-home care via eMed x Livi
  • Workplace pension through Penfold, with salary sacrifice option
  • Parental leave: up to 16 weeks (birthing + bonding) or 8 weeks (bonding only) at 100% pay with additional time available at reduced pay

Referral Instructions
If you are being referred for the role, please contact that person to apply on your behalf.
Other notices
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
Beware of recruiting scams: Ramp will only contact you through official @Ramp.com email addresses and will never ask for payment or sensitive personal information during the hiring process.
Ramp Applicant Privacy Notice

Apply