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Director Credit Risk Jobs in Arizona (NOW HIRING)

PNC Bank

LOB Risk Specialist Sr

Phoenix, AZ

$55K - $141K/yr

... Credit, Legal, Audit). * Leads or influences risk initiatives and business as usual activities ... direct industry experience. Certifications are often desired. In lieu of a degree, a comparable ...

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All JobsDirector Credit Risk JobsDirector Credit Risk Jobs in Arizona

Director Credit Risk information

See Arizona salary details

$78.7K

$145.7K

$281K

How much do director credit risk jobs pay per year?

As of Jun 12, 2026, the average yearly pay for director credit risk in Arizona is $145,668.00, according to ZipRecruiter salary data. Most workers in this role earn between $97,400.00 and $175,200.00 per year, depending on experience, location, and employer.

What are some common challenges faced by a Director of Credit Risk and how can they be addressed?

A Director of Credit Risk often faces challenges such as balancing risk appetite with business growth goals, staying ahead of evolving regulatory requirements, and managing credit exposures in volatile markets. To address these, it's essential to foster strong collaboration with business units, maintain robust credit risk frameworks, and leverage data analytics for proactive decision-making. Continuous professional development and close communication with compliance and audit teams also help ensure that credit policies remain effective and up-to-date.

What are the key skills and qualifications needed to thrive as a Director of Credit Risk, and why are they important?

To thrive as a Director of Credit Risk, you need deep expertise in credit analysis, risk management, and financial modeling, usually supported by a degree in finance, economics, or a related field. Familiarity with risk assessment software, credit scoring systems, and regulatory compliance tools, along with certifications like CFA or FRM, is highly valued. Strong leadership, strategic thinking, and communication skills help drive cross-functional collaboration and effective risk mitigation. These competencies are crucial for making informed credit decisions that protect the organization's financial health and comply with regulatory standards.

What does a Director of Credit Risk do?

A Director of Credit Risk is responsible for overseeing an organization’s credit risk management strategies and policies. They analyze credit data, assess potential risks in lending or credit activities, and work to minimize losses related to bad debts. This role often involves leading a team, setting risk tolerance levels, and ensuring compliance with regulatory requirements. Directors of Credit Risk also collaborate with other departments to align risk management with the company's overall business objectives.

What is the difference between Director Credit Risk vs Credit Analyst?

AspectDirector Credit RiskCredit Analyst
CredentialsBachelor's/Master's in Finance, Economics, or related; often requires experience in credit risk managementBachelor's degree in Finance, Economics, or related; entry-level to mid-level roles
Work EnvironmentStrategic, leadership-focused, overseeing credit risk policies and teamsAnalytical, research-focused, assessing individual credit applications and risk
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending companies, credit bureaus

The main difference is that a Director Credit Risk leads and develops credit risk strategies at a high level, while a Credit Analyst focuses on evaluating individual credit applications and assessing risk at a more operational level. The Director role involves strategic oversight, whereas the Credit Analyst role is more analytical and detail-oriented.

What are the most commonly searched types of Credit Risk jobs in Arizona? The most popular types of Credit Risk jobs in Arizona are:
What are popular job titles related to Director Credit Risk jobs in Arizona? For Director Credit Risk jobs in Arizona, the most frequently searched job titles are:
What job categories do people searching Director Credit Risk jobs in Arizona look for? The top searched job categories for Director Credit Risk jobs in Arizona are:
What cities in Arizona are hiring for Director Credit Risk jobs? Cities in Arizona with the most Director Credit Risk job openings:
Director Credit Risk jobs near you
Infographic showing various Director Credit Risk job openings in Arizona as of June 2026, with employment types broken down into 79% Full Time, 19% Part Time, 1% Temporary, and 1% Contract. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $145,668 per year, or $70 per hour.

Risk Operations Analyst (Founding Team)

EQL Tech

Phoenix, AZ • On-site

$100K - $135K/yr

Full-time

Posted 28 days ago

Job description

Risk Operations Analyst (Founding Team)

Location: San Francisco, CA or Phoenix, AZ (In-Office) Seniority: Mid-Senior Analyst Reports to: Head of Risk (ex-Stripe, Mercury, Circle, PayPal)

The Mission

Our client is building the financial infrastructure for the $900B US Public Education budget. They provide the charge card, reimbursement engine, and vendor marketplace that give families access to state Education Savings Account (ESA) funds, which average $7.5k per child per year. Backed by $16M from top-tier VCs, the company recently rejected an acquisition offer because they are committed to rebuilding the education system to ensure parents have full control over their children's learning experience.

The Team

You will be joining an in-person company, working together in the office.

  • The Founders: The founders are engineers who have run their own alternative school together. One previously worked as a Quant at Goldman Sachs, and the other built the computer vision system for the largest smart warehousing company globally, serving 1M customers/day at age 19.
  • The Core Team: You will work alongside top talent, including a founding engineer who did AI research at MILA and at Elon Musk's SpaceX school, a Head of Risk from Mercury, Stripe, and Circle, and a Payments Engineer from Microsoft and Goldman Sachs. The team also includes the former Deputy Director at a state ESA department and leading school choice advocates.
The Challenge: "Good Actor Fraud"

Unlike traditional fintech roles focused on external criminals, the primary challenge here is "good actor fraud". This involves families who inadvertently spend on ineligible items without realizing it due to complex state rules. The risk function is mission-critical to the program's regulatory standing and requires a focus on education rather than just enforcement.

The Role

Reporting directly to one of the most experienced fintech risk leaders in the US - you will build the analytics and processes that keep the ESA card program safe and scalable.

  • Monitor & Investigate: Analyze charge card transactions to identify patterns of ineligible spend and emerging risk signals in real time.
  • Automate via AI Agents: Design and deploy AI-assisted workflows where agents streamline compliance processes and reduce manual review.
  • Manage the Credit Cycle: Underwrite and monitor a unique charge card portfolio that accounts for the cyclical nature of state fund disbursements.
  • SQL-Heavy Analysis: Write complex analytical queries independently to surface insights from raw data.
  • Customer Advocacy: Communicate with families with empathy when a transaction is flagged, focusing on resolution and education.

Requirements

Your Profile
  • Experience: 2-5 years in risk, credit analysis, or fraud operations.
  • Technical Skills: Expert-level SQL skills for independent, ad-hoc data analysis.
  • Product Mindset: Experience building risk frameworks from scratch (0-to-1) rather than just maintaining them.
  • Credit Depth: Strong understanding of underwriting models, portfolio monitoring, and vintage analysis.
  • Pedigree: Prior risk experience at a leading fintech like Stripe, Mercury, Goldman, or Chime.
  • Education: Quantitative background (Stats, Econometrics, Math, or CS) from a top-tier university.

Benefits

Commitment, Compensation & Benefits

This will be a big commitment, and we're aiming high. It needs to be something you are energised about taking on, or this isn't the team for you.

  • Competitive Salary: $100,000 - $135,000 per year, commensurate with experience.
  • Generous Founding Equity: We compensate you well with equity.
  • Top-Tier Backing: We've raised $16M from top-tier VCs and angels.
  • Relocation Support: You are willing to relocate to San Francisco, CA, or Phoenix, AZ, and travel to visit customers. We're an in-person company and are in the office together.
  • Comprehensive Visa Sponsorship: If you do not have a visa, we can support you.
  • Unmatched Impact: The rare opportunity to directly shape how the $900B US Public Education budget is being opened up for parents to take control of their portion (avg. $7.5k/kid/year).

Apply