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Credit Risk Jobs in San Ramon, CA (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 ...

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 ...

SoFi

Senior Credit Manager

San Francisco, CA · On-site

The team 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 ...

SoFi

Senior Credit Manager

San Francisco, CA · On-site

The team 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 ...

SoFi

Senior Credit Manager

San Francisco, CA

The team 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 ...

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Credit Risk information

See San Ramon, CA salary details

$55.9K

$122.2K

$204.5K

How much do credit risk jobs pay per year?

As of Jun 8, 2026, the average yearly pay for credit risk in San Ramon, CA is $122,161.00, according to ZipRecruiter salary data. Most workers in this role earn between $83,800.00 and $158,700.00 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 San Ramon, CA? The most popular types of Credit Risk jobs in San Ramon, CA are:
What job categories do people searching Credit Risk jobs in San Ramon, CA look for? The top searched job categories for Credit Risk jobs in San Ramon, CA are:
What cities near San Ramon, CA are hiring for Credit Risk jobs? Cities near San Ramon, CA with the most Credit Risk job openings:
Credit Risk jobs near you
Infographic showing various Credit Risk job openings in San Ramon, CA as of May 2026, with employment types broken down into 81% Full Time, 17% Part Time, and 2% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $122,161 per year, or $58.7 per hour.
Senior Credit Risk Analyst

Senior Credit Risk Analyst

Artemis Consultants

San Jose, CA • On-site

Full-time

Posted 25 days ago

Job description

COMPANY OVERVIEW:
The company a global leader in enterprise-grade data analytics and AI solutions, committed to empowering businesses across various industries with cutting-edge technology and expert insights. Backed by a top private equity firm, they drive innovation through significant investments and an entrepreneurial spirit.
They focus on delivering advanced Data Analytics & AI Solutions. By combining sophisticated technology with subject matter expertise, they deliver material impact on clients' topline and streamline their operations. They specialize in providing tailored solutions across financial services, CPG, legal, pharma, life sciences, retail and logistics, helping them build robust data analytics and AI capabilities.
With a client base spanning 30 countries, they have a global presence to enables them to offer localized expertise with a worldwide perspective.
POSITION OVERVIEW:
We are seeking a Senior Credit Risk Analyst with strong unsecured lending experience to support client's consumer credit products. This role will focus on credit card and personal loan portfolios, leveraging data to drive risk strategies, optimize underwriting, and improve portfolio performance.
You will work closely with cross-functional partners in Risk, Product, Data Science, and Engineering to design, implement, and monitor credit risk strategies that balance growth, risk, and customer experience.
RESPONSIBILITIES:
  • Develop, implement, and monitor credit risk strategies for unsecured lending products (with a strong focus on credit cards).
  • Analyze portfolio performance, customer behavior, and risk trends to identify opportunities to improve approval rates, loss performance, and profitability.
  • Design and execute A/B tests and experiments to evaluate new risk policies, cutoffs, and treatment strategies.
  • Build and maintain dashboards, reports, and performance tracking for key risk metrics (e.g., delinquency, losses, vintage curves, line utilization, approval/decline rates).
  • Partner with data science and modeling teams to translate model outputs into actionable strategies and policy rules.
  • Use SQL and Python to extract, clean, and analyze large datasets from multiple sources.
  • Present insights, recommendations, and business cases to senior stakeholders in a clear, structured manner.
  • Support regulatory and compliance requirements by ensuring risk strategies and analyses meet internal and external standards.
  • Contribute to continuous improvement of data, tools, and processes within the Credit Risk and Analytics function.

PREFERRED PROFILE:
  • Bachelor's degree in a quantitative field (e.g., Statistics, Mathematics, Economics, Engineering, Computer Science, Finance) or equivalent practical experience.
  • 5+ years of hands-on experience in Credit Risk within unsecured lending: ideally in: Credit cards (strongly preferred), and/or Personal loans or other unsecured consumer lending products.
  • Strong SQL skills with demonstrated experience querying and manipulating large, complex datasets.
  • Proficiency in Python for data analysis, modeling support, and automation (e.g., pandas, NumPy, basic visualization libraries).
  • Proven track record of using analytics to solve business problems in credit risk (e.g., underwriting, line management, pricing, collections, fraud/risk trade-offs).
  • Solid understanding of core credit risk concepts: scorecards, cutoffs, PD/LGD/EAD, vintage analysis, loss curves, risk-based pricing, and portfolio segmentation.
  • Strong problem-solving skills with the ability to structure ambiguous problems, form hypotheses, and drive analyses end-to-end.
  • Excellent communication skills, with the ability to translate complex analytical findings into clear, actionable recommendations for non-technical stakeholders.
  • Experience working in a fintech, payments, or digital lending environment.
  • Familiarity with credit bureau data and alternative data sources.
  • Experience with experimentation (A/B testing), champion-challenger frameworks, and test design.
  • Exposure to machine learning-driven risk models and their application in production environments.
  • Experience with BI/visualization tools (e.g., Tableau, Power BI, Looker) for dashboarding and reporting.
  • Master's degree in a quantitative discipline is a plus.

Personal Attributes Desired:
  • Data-driven, detail-oriented, and intellectually curious.
  • Comfortable working in a fast-paced, evolving environment.
  • Collaborative mindset with the ability to work effectively across functions and geographies.
  • Ownership mentality and bias for action; able to drive initiatives from concept to execution.

LOCATION: San Jose, CA (Hybrid)
Job ID# 3599749
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