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Head Of Credit Risk Jobs in California (NOW HIRING)

Calpine

Credit Risk Analyst

San Diego, CA · On-site

$70K - $88K/yr

Calpine, a business unit of Constellation Energy Corporation (Nasdaq: CEG), is America's largest ... Key activities: * Perform credit risk analysis * Develop risk mitigating products Job ...

Calpine

Credit Risk Analyst

San Diego, CA

$70K - $88K/yr

Calpine, a business unit of Constellation Energy Corporation (Nasdaq: CEG), is America's largest ... Key activities: * Perform credit risk analysis * Develop risk mitigating products Job ...

Intuit

Manager 3, Credit Risk

Mountain View, CA

We are building a world-class team of problem-solvers and visionary thinkers who thrive on cross ... Oversee the overall credit risk strategy development for QB Capital Direct Lending products.

Intuit

Manager 3, Credit Risk

Mountain View, CA · On-site

As a premier and rapidly expanding provider of small business financing within the United States ... Oversee the overall credit risk strategy development for QB Capital Direct Lending products.

Intuit

Manager 3, Credit Risk

Mountain View, CA

As a premier and rapidly expanding provider of small business financing within the United States ... Oversee the overall credit risk strategy development for QB Capital Direct Lending products.

US Bank

Credit Policy Manager

San Francisco, CA

We are seeking a strong risk leader to head our Credit Policy team, which is part of our Credit Policy and Governance team. This individual is a key credit risk leader and partners with the Executive ...

Sunbit

Analytics Manager, Credit Cards

Los Angeles, CA · On-site +1

This is a high-impact individual contributor role that sits at the intersection of Credit Risk, Portfolio Management, Fraud, Marketing, and Business Strategy. Reporting directly to the Head of ...

Airwallex

Manager, Credit Risk Operations

San Francisco, CA · On-site

$130K - $160K/yr

Powered by our unique combination of proprietary infrastructure and software, we empower over 250 ... What you'll do As a Credit Risk Operations Manager, you will help manage Airwallex's global credit ...

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All JobsHead Of Credit Risk JobsHead Of Credit Risk Jobs in California

Head Of Credit Risk information

See California salary details

$85.4K

$156.2K

$236.4K

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

As of Jul 30, 2026, the average yearly pay for head of credit risk in California is $156,239.00, according to ZipRecruiter salary data. Most workers in this role earn between $131,800.00 and $175,200.00 per year, depending on experience, location, and employer.

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

To thrive as a Head of Credit Risk, a deep understanding of credit risk analysis, portfolio management, and regulatory requirements is essential, often supported by a degree in finance, economics, or a related field. Expertise with risk assessment tools, credit risk modeling software, and familiarity with regulatory systems like Basel Accords are typically required. Strong leadership, analytical thinking, and effective communication are vital soft skills for managing teams and influencing strategic decisions. These skills ensure robust risk management practices, regulatory compliance, and the financial stability of the organization.

What is the salary of VP credit risk?

The salary of a VP of Credit Risk typically ranges from $100,000 to $150,000 annually, depending on experience, location, and the company's size. In large financial institutions like JP Morgan, total compensation may also include bonuses and benefits. This role often requires strong analytical skills and relevant certifications such as CFA or FRM.

What are the 5 C's of credit risk?

The 5 C's of credit risk—character, capacity, collateral, capital, and conditions—are key factors used by credit risk professionals, including Heads of Credit Risk, to evaluate a borrower's creditworthiness. These criteria help assess the likelihood of repayment and inform lending decisions, often supported by financial analysis and credit scoring tools.

What does a head of credit risk do?

A head of credit risk oversees an organization's credit risk management strategies, assessing and mitigating potential losses from borrower defaults. They analyze credit data, develop risk policies, and ensure compliance with regulations, often using tools like credit scoring models and risk assessment software. This role requires strong analytical skills and industry knowledge to maintain financial stability.

What is the highest paying job in credit?

The highest paying roles in credit typically include Chief Credit Officer and Head of Credit Risk, with salaries often exceeding $150,000 annually, especially in large financial institutions. These positions require extensive experience, advanced risk management skills, and often relevant certifications like CFA or FRM.

What is the difference between Head Of Credit Risk vs Credit Risk Manager?

AspectHead Of Credit RiskCredit Risk Manager
ResponsibilitiesOversees entire credit risk strategy, policy development, and team leadershipManages credit risk assessments, monitoring, and reporting within specific portfolios
Required CredentialsTypically requires advanced degrees and extensive experience in credit riskRequires relevant experience and certifications like CFA or credit risk courses
Work EnvironmentStrategic, leadership-focused, often in senior management meetingsOperational, analytical, focused on credit assessments and monitoring

The Head Of Credit Risk holds a senior leadership role, shaping overall credit policies, while the Credit Risk Manager focuses on day-to-day risk assessment and management. Both roles require relevant experience and certifications, but differ mainly in scope and strategic influence.

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

A Head of Credit Risk often encounters challenges such as adapting to rapidly changing market conditions, ensuring robust risk assessment models, and maintaining regulatory compliance. Balancing risk minimization with business growth targets requires strong analytical skills and cross-department collaboration. Regularly updating risk policies, leveraging advanced analytics, and fostering open communication with lending, compliance, and IT teams helps address these challenges effectively. Staying proactive and fostering a culture of continuous improvement are also key to success in this leadership role.
What are popular job titles related to Head Of Credit Risk jobs in California? For Head Of Credit Risk jobs in California, the most frequently searched job titles are:
What job categories do people searching Head Of Credit Risk jobs in California look for? The top searched job categories for Head Of Credit Risk jobs in California are:
What cities in California are hiring for Head Of Credit Risk jobs? Cities in California with the most Head Of Credit Risk job openings:
Head Of Credit Risk jobs near you
Infographic showing various Head Of Credit Risk job openings in California as of July 2026, with employment types broken down into 90% Full Time, 7% Part Time, and 3% Contract. Highlights an 83% In-person, 11% Hybrid, and 6% Remote job distribution, with an average salary of $156,239 per year, or $75.1 per hour.

Credit Risk Strategy Manager / Senior Manager

Cardless, Inc

San Francisco, CA • On-site

$150K - $210K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 27 days ago

Job description

At Cardless, we're building a credit card and loyalty platform that consumer businesses use to engage their customers. We've launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.
We value curiosity, humility, and intensity - we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.
The Job
We're looking for a Credit Risk Strategy Manager or Senior Manager to own the credit strategy for managing risk across our existing cardholder portfolio. This is a highly analytical, strategy-forward role focused on building the decisioning framework that determines how we extend additional credit, manage exposure, and optimize portfolio performance as well as ensuring the tools, data, and processes behind those decisions are best-in-class.
Reporting to our Head of Credit, you'll work at the intersection of data, tooling, and operations to optimize customer-level credit decisions as Cardless scales. You'll own the strategy for actions such as credit line increases and decreases, balance transfer offers, and other portfolio management levers, while building the measurement infrastructure needed to continuously improve performance for a rapidly growing portfolio.
What You'll Own
Portfolio Strategy & Signal Development
  • Define the logic and thresholds for credit line increases, decreases, and exposure management - balancing portfolio growth, credit risk, and customer experience
  • Develop the strategy and implementation for new programs such as balance transfers and ongoing spend campaigns
  • Build structured feedback loops between portfolio performance and policy triggers to drive continuous refinement
  • Develop processes for loss forecasting, leading edge delinquencies, and other methods to understand future portfolio performance
  • Build and maintain automated dashboards to track key performance indicators (KPIs) around portfolio performance
  • Design and execute A/B tests to evaluate new strategies, balancing product performance with customer and partner satisfaction

Cross-Functional Partnership
  • Partner with Data Science to define feature requirements, evaluate model performance, and translate model outputs into operational policy
  • Partner with engineering to build and implement new strategies such as proactive credit line increase execution and reactive credit line increase APIs
  • Work with Compliance and Legal to ensure portfolio management policies comply with ECOA, FCRA, Fair Lending, and other applicable regulations
  • Work together with brand partners to balance company and partner goals and share out performance and results
  • Work with bank partners to document, present and get approval for new policies/models

What We're Looking For
  • 5-10 years of experience in credit risk strategy, portfolio management, or underwriting at a financial institution, fintech, or payments company.
  • Deep expertise in consumer credit portfolio management - experience with credit line management, utilization dynamics, and loss forecasting is a plus
  • Experience leveraging behavioral and bureau data to develop/optimize strategies
  • Strong SQL skills and experience using analytics to build and evaluate credit strategies, track portfolio performance, and identify emerging risk patterns.
  • Familiarity working with credit risk models (including regression and tree-based machine learning) and decision engines in a production environment.
  • Excellent communication skills - you can translate complex credit tradeoffs into clear recommendations for executives, partners, and compliance teams
  • Proactive, bias-to-action mindset: you ask the right questions, align stakeholders, and drive decisions forward.

Compensation
This role has an annual starting salary range of $150,000 - $210,000 + equity + benefits (see below). Actual compensation is influenced by a wide array of factors, including but not limited to skills, experience, and specific work location.
Benefits
We're headquartered in San Francisco, CA, with a beautiful office in the Mission District. We're proud to offer our team excellent benefits:
Meaningful Start-up equity
100% health, vision & dental primary coverage
+ 75% health, vision & dental dependent coverage
Catered lunches
$250/month Commuter benefit
Parental leave
Team building events & happy hours
Flexible PTO with a minimum of 15 days off per year
Apple equipment
401k plan
Location
We're headquartered in San Francisco, CA, with a beautiful office in the Financial District. We welcome employees who want to work from this office; we offer additional benefits to those who do, and relocation assistance to those who'd like to.
We regularly bring our team together for offsites & trips, about every 2 months, both for fun and for work. We cover all travel & lodging in these cases.

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