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Credit Strategy Jobs (NOW HIRING)

SoFi

Credit Strategy - Risk Lead

San Francisco, CA · On-site

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 ...

SoFi

Credit Strategy - Risk Lead

San Francisco, CA · On-site

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 ...

KOHO

Manager/Senior Manager, Credit Strategy

About the Role KOHO is looking for a Manager or Senior Manager, Credit Strategy to own and evolve the lending and credit strategy across our full suite of lending products. This is a high-impact ...

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YouLend

Credit Risk Lead

Atlanta, GA · On-site

Ownership of the Credit Strategy for the US market * Directly contribute to delivery of business KPIs as part of the wider US management team (e.g. growth, profitability, loss rate etc.

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$54K

$100.9K

$150K

How much do credit strategy jobs pay per year?

As of Jul 2, 2026, the average yearly pay for credit strategy in the United States is $100,896.00, according to ZipRecruiter salary data. Most workers in this role earn between $66,500.00 and $135,000.00 per year, depending on experience, location, and employer.

What is credit strategy?

Credit strategy refers to the methods and policies a company or financial institution uses to assess, manage, and optimize credit risk and lending decisions. Professionals in credit strategy analyze data, monitor market trends, and develop frameworks to guide lending practices while minimizing potential losses. Their work ensures that loans and credit products are offered responsibly and profitably, balancing risk with business growth objectives. Credit strategy is essential for maintaining a healthy loan portfolio and supporting the overall financial stability of an organization.

How does a Credit Strategy professional typically collaborate with other departments within a financial institution?

Credit Strategy professionals work closely with departments such as Risk Management, Data Analytics, Product Development, and Underwriting. They often participate in cross-functional meetings to align credit policies with overall business objectives, analyze portfolio performance, and adjust strategies based on market trends or regulatory changes. Effective collaboration ensures credit strategies are both financially sound and responsive to customer needs, fostering a well-balanced approach to risk and growth.

What is the difference between Credit Strategy vs Credit Analyst?

AspectCredit StrategyCredit Analyst
Required CredentialsBachelor's degree, financial certifications (e.g., CFA, CPA)Bachelor's degree, finance or accounting background
Work EnvironmentStrategic planning, cross-department collaborationData analysis, credit risk assessment
Employer & Industry UsageFinancial institutions, banks, credit firmsBanks, lending companies, credit agencies
Common Search & ComparisonFocuses on credit policies and risk management strategiesFocuses on evaluating individual or corporate creditworthiness

Credit Strategy professionals develop policies and plans to manage credit risk at an organizational level, while Credit Analysts assess individual credit applications to determine risk. Both roles require financial knowledge, but Credit Strategy is more strategic and policy-oriented, whereas Credit Analysts focus on detailed credit evaluation.

Will a credit analyst be replaced by AI?

Credit analysts perform tasks that involve evaluating financial data and assessing credit risk, which currently require human judgment and expertise. While AI tools can assist with data analysis and automate routine processes, they are unlikely to fully replace credit analysts in the near future due to the need for critical thinking and decision-making skills.

What is the highest paying job in credit?

The highest paying roles in credit typically include senior positions such as Chief Credit Officer or Credit Director, which oversee credit risk management and strategy at a corporate level. These roles often require extensive experience, advanced financial skills, and certifications like CFA or CPA, and can offer salaries exceeding $150,000 annually depending on the company and location.

What is a credit strategy?

A credit strategy involves developing plans and policies to manage credit risk, optimize lending practices, and improve a company's or financial institution's credit portfolio. Credit strategists analyze customer data, market trends, and credit scoring models to make informed decisions that balance risk and profitability. Strong analytical skills and familiarity with credit management tools are essential for this role.

What jobs make $1,000,000 a year?

In the field of credit strategy, high-level roles such as Chief Credit Officer or Chief Risk Officer at large financial institutions can earn salaries exceeding $1 million annually, often including bonuses and stock options. These positions require extensive experience, advanced degrees, and strong leadership skills, typically within a corporate or banking environment. Such compensation is usually reserved for executive-level roles overseeing credit policies and risk management at major firms.

What are the key skills and qualifications needed to thrive in Credit Strategy, and why are they important?

To thrive in Credit Strategy, you need strong analytical skills, knowledge of financial principles, and experience with credit risk assessment, often backed by a degree in finance, economics, or a related field. Familiarity with data analytics tools (such as SAS, SQL, or Python), risk modeling systems, and relevant certifications like CFA or FRM are commonly required. Excellent communication, problem-solving abilities, and attention to detail are crucial soft skills for collaborating with stakeholders and making sound credit decisions. These competencies enable professionals to accurately assess risk, develop effective credit policies, and drive profitability while minimizing losses.
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Credit Strategy jobs near you
Infographic showing various Credit Strategy job openings in the United States as of June 2026, with employment types broken down into 93% Full Time, 6% Part Time, and 1% Temporary. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $100,896 per year, or $48.5 per hour.
Credit Strategy - Risk Lead

Credit Strategy - Risk Lead

SoFi

San Francisco, CA • On-site

Other

Posted 23 days ago

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

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