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Head Credit Risk Underwriting Jobs (NOW HIRING)

OWN

Credit Risk & Underwriting Lead

Central, LA · On-site

# Credit Risk & Underwriting LeadBuild the credit and underwriting foundation for OWN's first fixed-rate onchain mortgage files.LocationCEE + remoteCompensation50,000-80,000 EUR base + performance per ...

YouLend

Senior Credit Risk Analyst

Atlanta, GA · On-site

In this role, you will support the US credit risk and underwriting team, working on innovative credit strategy initiatives that help us make consistent, high-quality credit decisions aligned with the ...

YouLend Limited

Senior Credit Risk Analyst

Atlanta, GA · On-site

In this role, you will support the US credit risk and underwriting team, working on innovative credit strategy initiatives that help us make consistent, high-quality credit decisions aligned with the ...

YouLend

Senior Credit Risk Analyst

Atlanta, GA · On-site

In this role, you will support the US credit risk and underwriting team, working on innovative credit strategy initiatives that help us make consistent, high-quality credit decisions aligned with the ...

Socure

Head of Credit Products

Seattle, WA · On-site +1

$285K - $310K/yr

... party fraud, credit risk, and broader underwriting use cases. What you'll do: * Define and ... a "Head of" product leadership position at Socure. Socure is an equal opportunity employer that ...

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Head of Credit Products

Manhattan, NY · On-site

... credit risk, and broader underwriting use cases. What you'll do: * Define and communicate the ... a "Head of" product leadership position at Socure. Socure is an equal opportunity employer that ...

Socure Inc.

Head of Credit Products

Manhattan, NY · On-site

... credit risk, and broader underwriting use cases. What you'll do: * Define and communicate the ... a "Head of" product leadership position at Socure. Socure is an equal opportunity employer that ...

Cross River

VP, Commercial Credit Risk

Fort Lee, NJ · On-site

Providing risk-based challenge to first-line underwriting assumptions * Document independent risk opinions and escalate material credit concerns to the CCRO and/or Credit Committee * Conduct ...

Cross River

VP, Commercial Credit Risk

Fort Lee, NJ · On-site

Providing risk-based challenge to first-line underwriting assumptions * Document independent risk opinions and escalate material credit concerns to the CCRO and/or Credit Committee * Conduct ...

Best Egg

Director, Credit Risk Oversight

Wilmington, DE · On-site

Director Of Credit Risk Oversight Best Egg, now part of Barclays, is a market-leading, tech-enabled ... This role provides independent oversight and credible challenge of underwriting, pricing, loan ...

Best Egg

Director, Credit Risk Oversight

Wilmington, DE · On-site

$125K - $150K/yr

This role provides independent oversight and credible challenge of underwriting, pricing, loan ... Develop and maintain independent credit risk reporting, portfolio insights, and dashboards for ...

Cross River

VP, Commercial Credit Risk

Fort Lee, NJ · Hybrid

The VP is responsible for ensuring credit quality, sound underwriting standards, and regulatory ... Conduct financial and risk assessment reviews (payer mix, reimbursement rate sensitivity ...

Best Egg

Director, Credit Risk Oversight

Wilmington, DE

$125K - $150K/yr

This role provides independent oversight and credible challenge of underwriting, pricing, loan ... Develop and maintain independent credit risk reporting, portfolio insights, and dashboards for ...

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Head Credit Risk Underwriting information

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$46.5K

$87.3K

$148.5K

How much do head credit risk underwriting jobs pay per year?

As of Sep 10, 2026, the average yearly pay for head credit risk underwriting in the United States is $87,290.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,000.00 and $101,500.00 per year, depending on experience, location, and employer.

What does a head credit risk underwriting do?

A Head of Credit Risk Underwriting is responsible for overseeing the assessment and approval of credit applications within an organization. They develop and implement credit risk policies, ensure compliance with regulations, and manage a team of underwriters to minimize financial risk. This role also involves analyzing market trends, collaborating with other departments, and making strategic decisions to protect the company from potential losses while supporting business growth.

What are the key skills and qualifications needed to thrive as a head credit risk underwriting?

To thrive as a Head of Credit Risk Underwriting, you need deep expertise in credit risk assessment, financial analysis, and portfolio management, typically backed by a degree in finance or economics and extensive experience in credit underwriting. Familiarity with risk modeling software, credit scoring systems, and regulatory compliance frameworks is essential. Exceptional leadership, decision-making, and stakeholder communication skills help drive team performance and effective risk mitigation. These competencies ensure sound credit decisions, regulatory compliance, and the overall financial health of the organization.

What are some common challenges faced by a head credit risk underwriting and how can they be effectively managed?

A Head of Credit Risk Underwriting often faces challenges such as balancing risk appetite with business growth, keeping up with evolving regulatory requirements, and managing large, diverse teams. Staying updated on market trends and regulatory changes is critical, as is fostering close collaboration with other departments like sales, compliance, and analytics. Effective communication, data-driven decision-making, and ongoing staff training help ensure that risk policies are both robust and adaptable to changing conditions.

What is the difference between Head Credit Risk Underwriting vs Credit Risk Analyst?

AspectHead Credit Risk UnderwritingCredit Risk Analyst
ResponsibilitiesOversees credit risk strategies, manages underwriting teams, and sets risk policiesAnalyzes credit data, assesses risk levels, and supports underwriting decisions
Required CredentialsTypically requires advanced degrees, certifications like CFA or FRM, and extensive experienceUsually requires a bachelor's degree, with some roles preferring certifications like Credit Risk Certification
Work EnvironmentStrategic, managerial, and leadership-focused in banking or financial institutionsAnalytical, data-driven, often in banking, finance, or lending firms

The main difference is that the Head Credit Risk Underwriting leads and manages credit risk strategies and teams, while the Credit Risk Analyst focuses on analyzing data and supporting underwriting decisions. The head role involves higher-level oversight and strategic planning, whereas the analyst role is more technical and operational.

What are popular job titles related to Head Credit Risk Underwriting jobs?

For Head Credit Risk Underwriting jobs, the most frequently searched job titles are:

Infographic showing various Head Credit Risk Underwriting job openings in the United States as of September 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $87,290 per year, or $42 per hour.

Credit Risk & Underwriting Lead

Central, LA • On-site

OWN
See more jobs at OWNexternal

Other

Posted 9 days ago

Job description

# Credit Risk & Underwriting LeadBuild the credit and underwriting foundation for OWN's first fixed-rate onchain mortgage files.LocationCEE + remoteCompensation50,000-80,000 EUR base + performance per dealFocusCredit Risk & Underwriting## MissionOwn the credit and underwriting foundation for OWN's first mortgages. You will create the underwriting framework, apply it to the first real mortgage files, and work directly with the dev team to automate the process into repeatable tools, workflows, and decision systems.Crypto interest is useful, but real TradFi credit, mortgage, secured lending, or bank risk experience is mandatory.## Core Responsibilities* Build OWN's underwriting framework for borrower eligibility, collateral, LTV, loan duration, amortization, default triggers, cure periods, recoveries, and exception handling.* Translate that framework into clear underwriting rules, risk models, checklists, credit memo templates, and approval workflows.* Underwrite the first mortgage files manually, then identify which parts of the process can be automated.* Work directly with product and engineering to automate borrower intake, collateral analysis, LTV monitoring, credit memo generation, approval flows, and portfolio reporting.* Define the data inputs, model assumptions, risk flags, and decision logic needed for an internal underwriting engine.* Build lender-facing risk materials for DeFi capital providers and family offices.* Establish portfolio limits, monitoring rules, stress scenarios, and governance for credit decisions.* Work with legal/compliance on enforceability, disclosures, default process, and lender protections.## Must Have* 5+ years in credit risk, mortgage underwriting, secured lending, housing finance, private credit, structured lending, collateral valuation, or bank risk.* Direct experience reviewing, approving, or challenging real credit exposures.* Strong understanding of LTV, collateral valuation, amortization, recoveries, defaults/cures, and credit committee materials.* Ability to convert underwriting judgment into repeatable rules and workflows.* Comfortable working with developers to automate credit/risk processes.## Nice To Have* Digital assets, crypto lending, DeFi, tokenized RWAs, stablecoins, custody, or smart-contract collateral experience.* Prior work on credit process automation, underwriting engines, risk dashboards, or loan origination systems.* Czech/CEE mortgage, bank credit, or private credit experience.## Compensation50,000-80,000 EUR base + performance per deal.Equity/options may be included for candidates who materially help build OWN's underwriting and credit risk infrastructure.Applications## Apply by emailSend a short note, CV or profile, and relevant deal or capital formation track record to join@own.casa. #J-18808-Ljbffr

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