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Entry Level Credit Risk Analyst Jobs in California

Axos Bank

Construction Risk Analyst

San Diego, CA · On-site

$29 - $34/hr

About This Job Support Credit & Portfolio Management functions by managing construction draws for a ... a risk-based approach. * Conduct comprehensive Construction Draw Analysis, collection of ...

Axos Bank

Construction Risk Analyst

San Diego, CA · On-site

$29 - $34/hr

About This Job Support Credit & Portfolio Management functions by managing construction draws for a ... a risk-based approach. * Conduct comprehensive Construction Draw Analysis, collection of ...

City National Bank

Credit Associate

Walnut Creek, CA · On-site

$34.55 - $55.19/hr

This role involves assisting with credit data analysis, underwriting, and portfolio review activities including facilitating credit risk recommendation. The Credit Associate may be assigned a book of ...

City National Bank

Credit Associate

Walnut Creek, CA · On-site

$34.55 - $55.19/hr

This role involves assisting with credit data analysis, underwriting, and portfolio review activities including facilitating credit risk recommendation. The Credit Associate may be assigned a book of ...

City National Bank

Credit Associate

San Francisco, CA · On-site

$34.55 - $55.19/hr

This role involves assisting with credit data analysis, underwriting, and portfolio review activities including facilitating credit risk recommendation. The Credit Associate may be assigned a book of ...

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All JobsCredit Risk Analyst JobsEntry Level Credit Risk Analyst JobsEntry Level Credit Risk Analyst Jobs in California

Entry Level Credit Risk Analyst information

See California salary details

$36.5K

$112.4K

$194.9K

How much do entry level credit risk analyst jobs pay per year?

As of Aug 14, 2026, the average yearly pay for entry level credit risk analyst in California is $112,390.00, according to ZipRecruiter salary data. Most workers in this role earn between $81,400.00 and $138,700.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive in the entry level credit risk analyst position, and why are they important?

To thrive as an Entry Level Credit Risk Analyst, you need strong analytical and quantitative abilities, a bachelor's degree in finance, economics, or a related field, and a keen attention to detail. Familiarity with Excel, financial modeling tools, and risk assessment software, as well as knowledge of databases and possibly SAS or Python, is often required. Excellent communication, time management, and problem-solving skills help you interpret data and present findings effectively. These skills ensure accurate risk evaluations, sound decision-making, and effective collaboration within credit risk teams.

What does an entry level credit risk analyst do?

An Entry Level Credit Risk Analyst evaluates financial data to assess the creditworthiness of individuals or businesses. They analyze credit reports, financial statements, and payment histories to identify potential risks. Their role supports risk management strategies by helping companies make informed lending or investment decisions. Additionally, they may assist in maintaining risk models and ensuring compliance with internal policies and industry regulations. Strong analytical skills, attention to detail, and proficiency in financial tools are essential for success in this role.

What are the most commonly searched types of Credit Risk Analyst jobs in California?

The most popular types of Credit Risk Analyst jobs in California are:

What are popular job titles related to Entry Level Credit Risk Analyst jobs in California?

For Entry Level Credit Risk Analyst jobs in California, the most frequently searched job titles are:

What job categories do people searching Entry Level Credit Risk Analyst jobs in California look for?

The top searched job categories for Entry Level Credit Risk Analyst jobs in California are:

What cities in California are hiring for Entry Level Credit Risk Analyst jobs?

Cities in California with the most Entry Level Credit Risk Analyst job openings:

Entry Level Credit Risk Analyst jobs near you
Infographic showing various Entry Level Credit Risk Analyst job openings in California as of August 2026, with employment types broken down into 94% Full Time, and 6% Contract. Highlights an 94% In-person, and 6% Remote job distribution, with an average salary of $112,390 per year, or $54 per hour.

Senior Data Scientist (Credit Risk)

Achieve

San Mateo, CA • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 3 days ago

Job description

Company Description
Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.
Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $40B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $11Bn in personal and home loans originations via our banking-as-a-service partner.
Job Description
We are looking for an experienced, hands-on Credit Risk, Sr. Data Scientist who is comfortable working with large data sets, coding in SQL and Python and gaining insights from the data and translating the results into actionable insights for business stakeholders. In this role, you will maintain and enhance our credit risk models/policies to monitor the portfolio and gain insights. You will also build and monitor credit risk models with an eye on loss forecasting and communicate the results to different teams such as Capital Market and Marketing. The candidate should have a passion for streamlining processes and building tools which can monitor models/portfolio effectively. You will be a key contributor to our risk management processes.
Key Responsibilities
  • Building, maintaining and enhancing credit risk models for lending portfolios.
  • Extract, clean and manipulate large data sets using SQL and Python; build pipelines and analytics to perform model and portfolio monitoring.
  • Perform exploratory data analysis (EDA) to identify portfolio trends, drivers of loss performance (vintage, credit bands, borrower attributes, macro factors) and provide insight into model deviations.
  • Maintain forecast deliverables: monthly/quarterly loss forecasts by vintage and segment, stress and scenario analyses, sensitivity testing.
  • Provide commentary and insights to business stakeholders on credit policy assumptions, model health, and emerging portfolio risks.
  • Automate reporting, dashboards and pipelines to streamline model monitoring and improve efficiency and accuracy.
  • Document model methodologies, assumptions, data sources and results in clear, audit-ready format consistent with risk governance requirements.
  • Participate in governance and review of credit model methodology, model validation support and liaise with external auditors or regulators where needed.
  • Continuously identify opportunities to improve credit decisioning accuracy, data infrastructure, modeling techniques, and integrate advanced statistical or machine-learning techniques as appropriate.

Qualifications
Required:
  • Minimum of 8 years' hands-on experience in credit risk modeling and portfolio monitoring. For example, roles in model and performance monitoring, tracking charge-offs, delinquencies, vintage analysis, roll-rates, etc.
  • Strong programming skills in Python/SQL for data analysis, modeling and automation.
  • Solid background in Probability & Statistics
  • Experience with pricing and price optimization along with analytics and monitoring related to pricing
  • Experience with credit risk modeling methodologies: Scorecard models, XGBoost, time-series analysis, vintage modeling, roll-rate curves, survival analysis or logistic regression in consumer credit risk context.
  • Familiarity with data visualization tools (e.g., Tableau, Python Widgets) or dashboarding
  • Strong analytical and critical thinking skills; ability to interpret results, identify trends, draw actionable insights and communicate clearly to non-technical stakeholders.
  • Excellent documentation skills and experience in preparing audit-ready deliverables (methodologies, assumptions, model validation support).
  • Master's degree in Economics, Statistics, Mathematics, Data Science or a related quantitative discipline (PhD preferred, but not required).

Preferred:
  • Experience in lending (personal loans or credit cards) or fintech lending environment.
  • Experience with credit risk modeling (development & monitoring)
  • Experience working with credit decisioning engines such as Oscilar, TakTile etc...
  • Experience working in CKLightbox environment
  • Experience working in the GCP environment.
  • A Passion for fintech, agile environment, ability to work both independently and in a collaborative, fast-paced team.

Additional Information
All your information will be kept confidential according to EEO guidelines.
Achieve well-being with:
  • 401 (k) with employer match
  • Medical, dental, and vision with HSA and FSA options
  • Competitive vacation and sick time off, as well as dedicated volunteer days
  • Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
  • Pet care discounts for your furry family members
  • Financial support in times of hardship with our Achieve Care Fund
  • A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

Note: We will be unable to facilitate H1-B Visa transfer or sponsorship, along with STEM-OPT Visa.
Note: This role will be wokring hybrid out of our San Mateo, CA office.
Salary Range: $165,000 to $185,000 salary + bonus + benefits.
This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.
Join Achieve, change the future.
At Achieve, we're changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you'll get to be a part of their journey to a better financial future. We're proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job-it's a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.
Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve's Talent Acquisition leader.
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