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Head Of Credit Risk Jobs in California (NOW HIRING)

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 ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site

$177K - $242K/yr

Vice President Of Credit Risk Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide ...

Guild

VP, Credit Risk

San Diego, CA · On-site

$177K - $242K/yr

The VP of Credit Risk ensures that the company's lending practices and policies are sound and compliant with Guild's risk objectives and Secondary Markets guidelines and eligibility. This role also ...

YouLand Inc.

Head of Credit & Underwriting

Menlo Park, CA · On-site

$125 - $150/hr

As our Head of Credit & Underwriting, you'll lead credit strategy, oversee underwriting, manage risk, and work with capital partners to ensure every loan meets YouLand's growth and performance goals.

Airwallex

Director, Credit Risk

San Francisco, CA · On-site

Director, Credit Risk Airwallex is the only unified payments and financial platform for global ... Powered by our unique combination of proprietary infrastructure and software, we empower over 250 ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site

$177K - $242K/yr

The VP of Credit Risk ensures that the company's lending practices and policies are sound and compliant with Guild's risk objectives and Secondary Markets guidelines and eligibility. This role also ...

Guild

VP, Credit Risk

San Diego, CA · On-site

$177K - $242K/yr

The VP of Credit Risk ensures that the company's lending practices and policies are sound and compliant with Guild's risk objectives and Secondary Markets guidelines and eligibility. This role also ...

Airwallex

Director, Credit Risk

San Francisco, CA · On-site

$250/hr

Powered by our unique combination of proprietary infrastructure and software, we empower over 250 ... About the team The Credit Risk team is part of Airwallex's Second Line of Defence and helps the ...

Airwallex-

Director, Credit Risk

San Francisco, CA · On-site

$250/hr

Powered by our unique combination of proprietary infrastructure and software, we empower over 250 ... About the team The Credit Risk team is part of Airwallex's Second Line of Defence and helps the ...

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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 Sep 8, 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 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 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 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 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 August 2026, with employment types broken down into 81% Full Time, 17% Part Time, and 2% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $156,239 per year, or $75.1 per hour.

Credit Risk Strategy Manager

San Francisco, CA • Hybrid

Inizio Partners
See more jobs at Inizio Partnersexternal

Full-time

Posted 13 days ago

Job description

Credit Risk Strategy Manager

Location: San Francisco Bay Area

Work Mode: Hybrid (2-3 days/week in office)

Role Summary:

The role will support the analysis, development and optimization of credit policies and strategies, with a focus on underwriting, credit line / loan amount assignment, and risk-based pricing. The individual will use analytical tools and data-driven insights to identify opportunities for profitable portfolio growth while effectively managing credit risk across the customer lifecycle.

Responsibilities:

  • Assist in the analysis, development and monitoring of credit policies, including underwriting, line assignment and pricing strategies.
  • Analyze credit and portfolio data to identify opportunities for risk-adjusted growth and recommend policy changes.
  • Develop and optimize underwriting criteria, credit line assignment and risk-based pricing strategies.
  • Evaluate the impact of credit policy changes through portfolio analysis, scenario testing and experiments.
  • Translate credit policies and strategies into business rules using SQL and Python.
  • Monitor key credit risk and business performance metrics and proactively identify emerging trends.
  • Collaborate with Risk, Product, Technology and Operations teams to implement credit policy changes.

Requirements:

  • 6+ Years of experience in Credit Risk
  • Strong analytical skills with hands-on experience in SQL; working knowledge of Python preferred.
  • Experience in credit risk strategy, credit policy, underwriting or portfolio analytics within Banking / Financial Services.
  • Good understanding of credit underwriting, line assignment / credit limit strategies and risk-based pricing.
  • Ability to analyze customer, application, bureau and portfolio data to identify trends and develop credit policy recommendations.
  • Experience in evaluating the impact of policy changes on approval rates, credit losses, profitability and portfolio growth.
  • Understanding of credit risk concepts such as eligibility criteria, risk segmentation, cut-offs, affordability, exposure management and pricing.
  • Ability to define and monitor relevant risk and business KPIs to measure strategy performance.
  • Experience with strategy testing, scenario analysis and A/B testing is preferred.
  • Knowledge of external credit data sources such as credit bureaus, FICO or similar third-party data is preferred.
  • Strong problem-solving skills with the ability to translate analytical findings into actionable business recommendations.
  • Ability to communicate and present analyses and recommendations effectively to business and risk stakeholders.
  • Knowledge of coding best practices, data manipulation and development of reusable analytical frameworks.