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'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 ...
Own credit risk management and pricing strategy for the Home Improvement lending segment * Develop and refine credit policies, underwriting criteria, exposure limits, segmentation, and pricing models ...
Own credit risk management and pricing strategy for the Home Improvement lending segment * Develop and refine credit policies, underwriting criteria, exposure limits, segmentation, and pricing models ...
Credit Strategy Director, Home Improvement
San Francisco, CA · On-site
$175 - $205/hr
Own credit risk management and pricing strategy for the Home Improvement lending segment* Develop and refine credit policies, underwriting criteria, exposure limits, segmentation, and pricing models ...
Credit Strategy Director, Home Improvement
San Francisco, CA · On-site
$175 - $205/hr
Own credit risk management and pricing strategy for the Home Improvement lending segment* Develop and refine credit policies, underwriting criteria, exposure limits, segmentation, and pricing models ...
Own credit risk management and pricing strategy for the Home Improvement lending segment * Develop and refine credit policies, underwriting criteria, exposure limits, segmentation, and pricing models ...
Own credit risk management and pricing strategy for the Home Improvement lending segment * Develop and refine credit policies, underwriting criteria, exposure limits, segmentation, and pricing models ...
Own credit risk management and pricing strategy for the Home Improvement lending segment * Develop and refine credit policies, underwriting criteria, exposure limits, segmentation, and pricing models ...
Own credit risk management and pricing strategy for the Home Improvement lending segment * Develop and refine credit policies, underwriting criteria, exposure limits, segmentation, and pricing models ...
Own credit risk management and pricing strategy for the Home Improvement lending segment * Develop and refine credit policies, underwriting criteria, exposure limits, segmentation, and pricing models ...
Own credit risk management and pricing strategy for the Home Improvement lending segment * Develop and refine credit policies, underwriting criteria, exposure limits, segmentation, and pricing models ...
As a Staff Data Scientist, you will build credit risk models that allow us to better serve our customers and make responsible lending decisions. Credit models are at the heart of all lending ...
As a Staff Data Scientist, you will build credit risk models that allow us to better serve our customers and make responsible lending decisions. Credit models are at the heart of all lending ...
Senior Manager, Card Credit Risk - Line Management
San Francisco, CA · Hybrid
$140K - $190K/yr
About the Role: We're seeking a data-driven and hands-on Sr Manager on our Card Credit Risk team to lead line management strategy for our card portfolio - owning credit line increase (CLI), decrease ...
Senior Manager, Card Credit Risk - Line Management
San Francisco, CA · Hybrid
$140K - $190K/yr
About the Role: We're seeking a data-driven and hands-on Sr Manager on our Card Credit Risk team to lead line management strategy for our card portfolio - owning credit line increase (CLI), decrease ...
Lead endtoend credit risk consulting initiatives, contributing to origination and closing of engagements by identifying and shaping opportunities across all VCA segments, including consumer ...
Lead endtoend credit risk consulting initiatives, contributing to origination and closing of engagements by identifying and shaping opportunities across all VCA segments, including consumer ...
Lead endtoend credit risk consulting initiatives, contributing to origination and closing of engagements by identifying and shaping opportunities across all VCA segments, including consumer ...
Lead endtoend credit risk consulting initiatives, contributing to origination and closing of engagements by identifying and shaping opportunities across all VCA segments, including consumer ...
Credit Strategy Manager
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 ...
Credit Strategy Manager
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 ...
Staff Data Scientist, ML (Credit Risk)
Menlo Park, CA · On-site
$217 - $255/hr
As a Staff Data Scientist, you will build credit risk models that allow us to better serve our customers and make responsible lending decisions. Credit models are at the heart of all lending ...
Staff Data Scientist, ML (Credit Risk)
Menlo Park, CA · On-site
$217 - $255/hr
As a Staff Data Scientist, you will build credit risk models that allow us to better serve our customers and make responsible lending decisions. Credit models are at the heart of all lending ...
Staff Data Scientist, ML (Credit Risk)
Menlo Park, CA · On-site
$217K - $255K/yr
As a Staff Data Scientist, you will build credit risk models that allow us to better serve our customers and make responsible lending decisions. Credit models are at the heart of all lending ...
Staff Data Scientist, ML (Credit Risk)
Menlo Park, CA · On-site
$217K - $255K/yr
As a Staff Data Scientist, you will build credit risk models that allow us to better serve our customers and make responsible lending decisions. Credit models are at the heart of all lending ...
Credit Manager
Walnut Creek, CA · On-site
Position Summary The Credit Manager is responsible for leading customer credit risk management, collections activities to support profitable business growth while protecting company assets. This role ...
Credit Manager
Walnut Creek, CA · On-site
Position Summary The Credit Manager is responsible for leading customer credit risk management, collections activities to support profitable business growth while protecting company assets. This role ...
Staff Data Scientist, ML (Credit Risk)
Menlo Park, CA · On-site
$217K - $255K/yr
As a Staff Data Scientist, you will build credit risk models that allow us to better serve our customers and make responsible lending decisions. Credit models are at the heart of all lending ...
Staff Data Scientist, ML (Credit Risk)
Menlo Park, CA · On-site
$217K - $255K/yr
As a Staff Data Scientist, you will build credit risk models that allow us to better serve our customers and make responsible lending decisions. Credit models are at the heart of all lending ...
Position Summary The Credit Manager is responsible for leading customer credit risk management, collections activities to support profitable business growth while protecting company assets. This role ...
Position Summary The Credit Manager is responsible for leading customer credit risk management, collections activities to support profitable business growth while protecting company assets. This role ...
Credit Manager
Walnut Creek, CA · On-site
Position Summary The Credit Manager is responsible for leading customer credit risk management, collections activities to support profitable business growth while protecting company assets. This role ...
Credit Manager
Walnut Creek, CA · On-site
Position Summary The Credit Manager is responsible for leading customer credit risk management, collections activities to support profitable business growth while protecting company assets. This role ...
Credit Associate
Walnut Creek, CA · On-site
$34.55 - $55.19/hr
Risk Management: Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with Bank's credit risk appetite, and compliance with ...
Credit Associate
Walnut Creek, CA · On-site
$34.55 - $55.19/hr
Risk Management: Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with Bank's credit risk appetite, and compliance with ...
This role will work closely with key stakeholders across the Firm -- such as Private Bankers, Lending Specialists, Credit Risk, Underwriters, Loan Servicing, Legal and department managers -- as part ...
This role will work closely with key stakeholders across the Firm -- such as Private Bankers, Lending Specialists, Credit Risk, Underwriters, Loan Servicing, Legal and department managers -- as part ...
Credit Associate
Walnut Creek, CA · On-site
$34.55 - $55.19/hr
Risk Management: Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with Bank's credit risk appetite, and compliance with ...
Credit Associate
Walnut Creek, CA · On-site
$34.55 - $55.19/hr
Risk Management: Supports effective risk management practices, maintaining high standards of credit quality and origination in alignment with Bank's credit risk appetite, and compliance with ...
Credit Risk information
See San Ramon, CA salary details
$55.9K - $69.4K
16% of jobs
$69.4K - $82.9K
8% of jobs
$83.7K is the 25th percentile. Wages below this are outliers.
$82.9K - $96.4K
13% of jobs
$96.4K - $109.9K
7% of jobs
The median wage is $116.7K / yr.
$109.9K - $123.4K
12% of jobs
$123.4K - $136.9K
15% of jobs
$144.1K is the 75th percentile. Wages above this are outliers.
$136.9K - $150.5K
8% of jobs
$150.5K - $164K
11% of jobs
$164K - $177.5K
3% of jobs
$177.5K - $191K
3% of jobs
$191K - $204.5K
4% of jobs
$55.9K
$122.2K
$204.5K
How much do credit risk jobs pay per year?
As of Aug 16, 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 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?
| Aspect | Credit Risk | Credit Analyst |
|---|---|---|
| Primary Focus | Assessing the likelihood of borrower default to manage overall credit risk | Analyzing credit data to determine creditworthiness of individual applicants |
| Work Environment | Risk management teams, financial institutions, credit departments | Banking, lending institutions, financial services |
| Required Credentials | Often requires risk management certifications, finance degrees | Finance 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.
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 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 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 are popular job titles related to Credit Risk jobs in San Ramon, CA?
For Credit Risk jobs in San Ramon, CA, the most frequently searched job titles 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:
Job description
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/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company's risk appetite and helps create the products and experiences that put our members' interests first.
The Credit Strategy Lead will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi's lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card.
The Credit Strategy Lead will collaborate with cross-functional teams such as Business Units, Capital Markets, Product and Engineering, and use business knowledge and quantitative and analytical skills to drive revenue, control risk, and provide value to the company and consumers.
The ideal candidate will possess a data-driven analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical analysis tools to inform decisions and support SoFi's overarching strategic goals relative to loss prevention and profit optimization. They bring new ways of thinking, data sources, technologies, and capabilities to SoFi.
What you'll do:
- Innovate... Bring your brightest ideas to building risk strategies. This means you will architect the pre-screen and underwriting strategies.
- Data Driven... Your deep analysis will power the future of lending with an optimal real-time data ecosystem - including multi-product internal, bureau, third-party, and alternative data sources and uses.
- Iterate, learn, innovate... We are all responsible for innovation and must embrace data-driven decisions.
- Control the Risk and Drive Performance Outcomes ... Understand credit risk and develop approaches to mitigate loss and responsibly grow revenue. Monitor the performance of strategies and portfolios. Document and communicate results and escalate issues as necessary. Identify gaps/opportunities and drive actions.
- Grow, Grow, Grow!... Be inspired by dynamic leaders and our rapidly growing business. We want YOU to be an inspired leader of tomorrow, so we are recruiting the best, brightest, and passionately quantitative team members.
What you'll need:
- 4+ years of related experience
- Business acumen and work experience in the consumer lending business (loans or credit cards)
- Direct experience in the credit strategy analytical life cycle, including strategy and decision tree development, presentation, implementation validation, and post-implementation monitoring
- Proven analytical skills in conducting sophisticated analysis using customer performance data, bureau attributes, and other 3rd party variables to solve business problems
- Proficient skills in Excel, SQL and Python
- A demonstrated ability to synthesize and communicate analysis to business partners and senior management
- High motivation to drive results, eager to learn, and able to work collaboratively in a fluid environment
- Knowledge/skills in analytical and modeling techniques such as Decision Trees, regression, logistic regression, A/B Testing, and Tableau
- Preferred: 4+ years of consumer lending credit strategy work experience
- Preferred: Experience in analyzing and testing credit strategies or models to meet the fair lending requirements
- Preferred: Advanced degree (Master's or PhD) with a quantitative major such as Statistics, Mathematics, Engineering, or Computer Science
About SoFi
Sourced by ZipRecruiter
Industry
Finance and insurance
Company size
1,001 - 5,000 Employees
Headquarters location
San Francisco, CA, US
Year founded
2011