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Head Of Credit Risk Jobs (NOW HIRING)

ATLANTICUS

Credit Risk Manager

Atlanta, GA

With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to ... The Credit Risk Manager is responsible for delivering strategies that drive product growth and ...

Splitit

Credit Officer & Head of Risk

Atlanta, GA

What You'll Do Splitit is seeking an experienced credit and risk officer to enable the delivery of innovative and reliable credit products and services. This role is responsible for leading the ...

Splitit

Credit Officer & Head of Risk

Atlanta, GA · On-site

What You'll Do Splitit is seeking an experienced credit and risk officer to enable the delivery of innovative and reliable credit products and services. This role is responsible for leading the ...

US Bank

Credit Risk Analyst

Minneapolis, MN

We believe it takes all of us to bring our shared ambition to life, and each person is unique in ... Bank's Credit Risk Management area is seeking a Credit Risk Analyst to work on their Dealer ...

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Head Of Credit Risk information

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$86.5K

$158.3K

$239.5K

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

As of Jul 19, 2026, the average yearly pay for head of credit risk in the United States is $158,312.00, according to ZipRecruiter salary data. Most workers in this role earn between $133,500.00 and $177,500.00 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.
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Head Of Credit Risk jobs near you
Infographic showing various Head Of Credit Risk job openings in the United States as of July 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $158,312 per year, or $76.1 per hour.
Credit Risk Manager

Credit Risk Manager

ATLANTICUS

Atlanta, GA

Other

Medical, Retirement, PTO

Re-posted 27 days ago

Job description

When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being.

Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.

Office Location

  • Atlanta, GA - Located in the Queen Building (King & Queen Towers, Sandy Springs), with easy access to I-285, GA-400, and a free shuttle to MARTA.

Work Culture

We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You’ll be empowered to lead, grow, and make an impact.

The Role

  • What a day looks like:
    The Credit Risk Manager is responsible for delivering strategies that drive product growth and optimization for the private label retail business.  You will own and manage credit risk strategies including population segmentation, the evaluation of new data sources, and product/price optimization across the credit spectrum.  In addition, you will optimize strategies, new and existing, to drive new account originations and deliver incremental profit.  The candidate should be able to apply knowledge of credit strategy as well as communicate complex topics to colleagues, management, and other stakeholders within the company.
  • Evaluate new data and partner data sources for underwriting and line assignment strategies using statistical analysis techniques such as CHAID Decision Trees, optimization procedures, loss forecasting, enhanced process monitoring, data quality analyses, and incorporate score implementations supporting launch
  • Develop and monitor customized manual underwriting process
  • Work with Segment / Strategic Analytics / Decision Science staff to ensure project completion within agreed time frames and end-client satisfaction
  • Analyze, validate, track, and monitor delivered projects
  • Interact with Business Development and/or Client Management to discuss new opportunities and/or changes to client portfolio
  • Primary Responsibilities:
  • Deliver profitable growth through the development of new strategies and the optimization of existing strategies through the assessment of credit risk and P&L drivers
  • Develop and maintain Key Performance Indicators (KPI)
  • Develop strategies focusing on growth, profitability, and competitive success while catering to needs of the consumer
  • Applies knowledge of credit card regulations in the development, implementation, and monitoring of credit strategies
  • Perform ad-hoc and recurrent credit risk analytical work
  • Collaborate and partner across the business (Risk, Marketing, Business Development to drive highly visible and impactful projects
  • Communicate strategies to management and other stakeholders
  • You’re a great fit if you have:
  • Bachelor's degree and 5+ years of Credit Card Industry experience 
  • Fundamental knowledge of credit scoring, underwriting, and credit risk management
  • Familiar with a wide variety of credit card industry concepts, practices, and metrics across credit policy, credit risk, and loss forecasting
  • Extensive experience working hands-on with SAS/SQL or equivalent to independently write queries to generate reports and perform ad-hoc analyses
  • Proficiency in analytical or reporting tools such as SAS, R, Python, or Tableau
  • Excellent written and verbal communication skills 

Why You’ll Love Working Here

This isn’t just a job, it’s a place to lead, grow, and thrive. If you believe in your skills and drive, we’ll provide the resources and support to help you succeed.

Benefits include:

  • Generous PTO and holiday schedule
  • 401(k) with company match
  • Employee stock purchase plan
  • Ongoing training (lunch & learns, financial and health webinars)
  • Team volunteer outings

Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status.

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