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Insurance Risk Analyst Jobs in San Jose, CA (NOW HIRING)

Prosper

Credit Risk Analyst

San Francisco, CA · On-site +1

$122K - $140K/yr

A Credit Risk Analyst at Prosper has the opportunity to utilize advanced analytical skills to ... childcare assistance, pet insurance, and a bevy of additional savings through Beneplace.

Prosper

Credit Risk Analyst

San Francisco, CA · On-site +1

$122K - $140K/yr

A Credit Risk Analyst at Prosper has the opportunity to utilize advanced analytical skills to ... insurance, and a bevy of additional savings through Beneplace. $122,000 - $140,000 a year ...

Prosper

Credit Risk Analyst

San Francisco, CA · On-site

$122K - $140K/yr

A Credit Risk Analyst at Prosper has the opportunity to utilize advanced analytical skills to ... insurance, and a bevy of additional savings through Beneplace. $122,000 - $140,000 a year ...

Gallagher

Risk Management Analyst

San Jose, CA · Remote

$80K - $120K/yr

Advanced data and analytics providing a comprehensive overview of the risk landscape is at your ... Keenan, now a part of Gallagher, is an insurance brokerage and consulting firm meeting the ...

Visa

Analyst, Corporate Insurance

Foster City, CA · Hybrid

$104K/yr

The Analyst, Corporate Insurance supports the development, administration, and optimization of the ... COI Review & Contractual Risk Transfer * Review Certificates of Insurance (COIs) to ensure ...

At-Bay

Senior Actuarial Analyst, Pricing

San Francisco, CA · On-site

$120K - $135K/yr

Senior Actuarial Analyst DRIVE PROFITABLE GROWTH FOR THE BUSINESS About At-Bay At-Bay is the world ... cyber risk head on. By combining industry-leading insurance with world-class cybersecurity ...

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Showing results 1-20

All JobsInsurance Risk Analyst JobsInsurance Risk Analyst Jobs in San Jose, CA

Insurance Risk Analyst information

See San Jose, CA salary details

$57.4K

$97.5K

$182.8K

How much do insurance risk analyst jobs pay per year?

As of Jul 28, 2026, the average yearly pay for insurance risk analyst in San Jose, CA is $97,531.00, according to ZipRecruiter salary data. Most workers in this role earn between $76,200.00 and $101,400.00 per year, depending on experience, location, and employer.

How much does an insurance analyst make?

The average salary for an insurance risk analyst is around $70,000 to $85,000 per year, depending on experience, location, and certifications. Entry-level analysts typically earn less, while those with specialized skills or advanced credentials can earn higher salaries. Compensation may also include bonuses and benefits based on performance and company size.

What are some common challenges faced by Insurance Risk Analysts in evaluating emerging risks?

Insurance Risk Analysts often encounter challenges when assessing emerging risks such as cyber threats, climate change, or new technologies, as there may be limited historical data available. This requires them to continuously update their knowledge, collaborate with underwriters, actuaries, and external experts, and adopt advanced analytical tools to make informed recommendations. Staying proactive in identifying trends and adapting risk models is essential for success in this dynamic environment.

How much do risk analysts get paid?

Risk analysts in the insurance industry typically earn a median annual salary of around $70,000 to $90,000, depending on experience, location, and certifications. Entry-level positions may start lower, while experienced analysts with specialized skills can earn over $100,000 annually.

What are Insurance Risk Analysts?

Insurance Risk Analysts are professionals who assess and analyze potential risks that could affect an insurance company or its clients. They evaluate data and financial information to determine the likelihood and potential cost of events such as accidents, natural disasters, or other losses. Their work helps insurance companies set appropriate premiums and develop strategies to minimize financial loss. Insurance Risk Analysts also monitor trends and provide recommendations to reduce risk exposure.

What does a risk analyst do for an insurance company?

An insurance risk analyst evaluates potential risks that could affect an insurance company's financial stability by analyzing data, assessing risk exposure, and developing strategies to mitigate losses. They use statistical tools and industry knowledge to determine policy pricing and ensure the company's risk management aligns with regulatory standards.

What is the difference between Insurance Risk Analyst vs Insurance Underwriter?

AspectInsurance Risk AnalystInsurance Underwriter
Required CredentialsBachelor's degree in finance, economics, or related field; certifications like CPCU or ARM beneficialBachelor's degree in finance, economics, or related field; certifications like CPCU or ARM beneficial
Work EnvironmentAnalyzes data, assesses risks, and provides reports; often in an office settingEvaluates applications, determines policy terms, and approves or declines coverage; office-based
Employer & Industry UsageInsurance companies, risk management firms, consulting agenciesInsurance companies, brokerage firms, underwriting agencies

While both roles require similar credentials and work in the insurance industry, Insurance Risk Analysts focus on analyzing and quantifying risks to inform decision-making, whereas Insurance Underwriters evaluate individual applications to determine policy terms. Understanding these differences helps clarify career paths and employer expectations in the insurance sector.

What are the key skills and qualifications needed to thrive as an Insurance Risk Analyst, and why are they important?

To thrive as an Insurance Risk Analyst, you need strong analytical skills, a solid understanding of risk assessment methodologies, and typically a bachelor’s degree in finance, mathematics, or a related field. Familiarity with statistical software, risk modeling tools, and certifications such as Chartered Property Casualty Underwriter (CPCU) or Associate in Risk Management (ARM) are often required. Attention to detail, critical thinking, and effective communication are crucial soft skills for interpreting data and presenting findings to stakeholders. These skills ensure accurate risk evaluation, informed decision-making, and the development of effective risk mitigation strategies within insurance organizations.

Is risk analyst an entry level job?

A risk analyst position can be entry-level or require some experience, depending on the employer. Entry-level risk analyst roles typically require a bachelor's degree in finance, economics, or a related field, and may involve on-the-job training. Advanced roles may require additional certifications or experience in data analysis or risk management tools.

What Does an Insurance Risk Analyst Do?

An insurance risk analyst performs a variety of duties related to assessing risks your clients may undergo and how to insure them properly. You collect and analyze data, such as past claims in the industry, competitor pricing, and various risk management strategies to help your company keep costs down. Qualifications for the job include career training, education, and specialized skills. Typically, you need a bachelor’s degree in accounting or finance and some work experience in the industry. Important skills include an excellent eye for detail and strong analytical problem-solving.

More about Insurance Risk Analyst jobs
What are popular job titles related to Insurance Risk Analyst jobs in San Jose, CA? For Insurance Risk Analyst jobs in San Jose, CA, the most frequently searched job titles are:
What job categories do people searching Insurance Risk Analyst jobs in San Jose, CA look for? The top searched job categories for Insurance Risk Analyst jobs in San Jose, CA are:
Insurance Risk Analyst jobs near you
Infographic showing various Insurance Risk Analyst job openings in San Jose, CA as of July 2026, with employment types broken down into 3% Locum Tenens, 85% Full Time, 7% Part Time, 1% Temporary, and 4% Contract. Highlights an 85% Physical, 6% Hybrid, and 9% Remote job distribution, with an average salary of $97,531 per year, or $46.9 per hour.
Credit Risk Analyst

Credit Risk Analyst

Prosper

San Francisco, CA • On-site, Remote

$122K - $140K/yr

Full-time

Posted 20 days ago

Job description

Your role in our mission

As the first peer to peer lending marketplace in the states, Prosper has a history of innovation.  As a growth company that generates cash, Prosper also has a history of generating results.  We are looking for team members that share our passion for applied analysis and who would be excited to be part of a mission-driven team.

The successful candidate will join Prosper’s Credit Risk team. The Credit Risk team uses analytics tools to develop strategies that govern automated decisions in Prosper’s online marketplace. A Credit Risk Analyst at Prosper has the opportunity to utilize advanced analytical skills to develop verification and fraud strategies using models and data in order to manage credit decisions. An ideal candidate should have strong hands-on analytical skills and a passion for solving problems in innovative and effective ways.  The faster and more agile risk strategies keep our marketplace competitive and ensure that we continue to deliver on our mission of advancing financial well-being.

How you’ll make an impact
  • Develop credit and fraud strategies to improve the credit performance by using data, machine learning models and advanced analytics tools to optimize risk decisions
  • Bring innovative/out of the box thinking to make recommendations and to approaching/solving problems
  • Design A/B tests and understand the risk and customer experience trade-offs
  • Continue to innovate by testing new data, analytics approaches and models
  • Partner with Data Science, Product, Engineering and other partner teams to implement credit and fraud prevention strategies, test and validate pre and post performance
  • Conduct ad-hoc analysis related to risk management, product, and operations
  • Analyze portfolio performance at a granular segment level on an ongoing basis.
  • Identify trends and conduct root-cause analysis to isolate key performance drivers. 
  • Communicate findings and recommendations to the Risk Management and broader Prosper community
Skills that will help you thrive
  • Bachelors degree in Business, Statistics, Mathematics, Computer Science, Engineering or Economics.
  • 2+ years of experience with a Bachelors (or less with Masters) managing credit risk and/or fraud and/or data science in consumer lending industry, consumer personal loan / credit card experience is a plus
  • Strong analytical and problem-solving skills
  • Must have strong proficiency in SQL and Python, Experience with DBT and  Looker will be a plus.
  • Strong communication skills – ability to communicate technical subject matter clearly and succinctly to other team members and Senior Management team
  • Knowledge and experience of segmentation, statistical procedures, and financial analytic tools are required
  • Curious to ask questions, probe into reasons and challenge the status quo
  • Strong ownership and motivation to drive business result
  • Ability to work in fast-paced environment and meet deadlines without sacrificing quality
  • We will also consider candidates who don’t have financial services experience but have strong technology background and analytical skills
  • Self-starter; comfort dealing with ambiguity
Resources to help you prosper
  • A connected experience: We prioritize high-touch collaboration and flexibility. Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote team member, we provide the digital-first tools and intentional culture to keep you synced and supported.
  • Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security.
  • Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage.
  • Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and a bevy of additional savings through Beneplace.
Compensation details: The salary for this position is $122k - $140k annually, plus bonus and generous benefits. In determining your salary, we will consider your location, experience, and other job-related factors.
#LI-AW1
 
 

About Us

Prosper introduced U.S. consumers to an innovative approach to personal finance as the first peer-to-peer lending platform in the country. Since 2005, Prosper has helped over 2 million customers achieve financial well-being through a comprehensive suite of digital personal finance products.

Prosper’s flagship personal loan* marketplace continues to offer unique value for both borrowers and investors, while the Prosper® Card¹ provides essential access to credit and flexibility for those managing their financial journey. Guided by its mission to advance financial well-being, Prosper is dedicated to helping people thrive by meeting people where they are with simple, trusted, and affordable financial solutions. Learn more at www.prosper.com.

We’re on a mission to hire the very best, and we are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere. It is important to us that every hire connects with our vision, mission, and core values. Join a leading fintech company that’s democratizing finance for all!  
 
Our Values
  • Diversity expands opportunities
  • Collaboration creates better solutions
  • Curiosity fuels our innovation
  • Integrity defines all our relationships
  • Excellence leads to longevity 
  • Simplicity guides our user experience 
  • Accountability at all levels drives results
 
www.prosper.com
Our Story & Team  //   Our Blog 
 
Applicants have rights under Federal Employment Laws.
Family & Medical Leave Act (FMLA)
Equal Employment Opportunity (EEO)
Employee Polygraph Protection Act (EPPA) 
 
California applicants: please click here to view our California Consumer Privacy Act (“CCPA”) Notice for Applicants, which describes your rights under the CCPA.
 
Illinois applicants: please click here to view our Artificial Intelligence Notice for Applicants.
 
At Prosper, we're looking for people with passion, integrity, and a hunger to learn. We encourage you to apply even if your experience doesn't precisely match the job description. Your unique skill set and diverse perspective will stand out and set you apart from other candidates. Prosper thrives with people who think outside of the box and aren't afraid to challenge the status quo. We invite you to join us on our mission to advance financial well-being.
 
Prosper is committed to an inclusive and diverse workplace. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical​​​ condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law, including the San Francisco Fair Chance Ordinance. Prosper will consider for employment qualified applicants who are non-US citizens and will provide green card sponsorship.
 

*All personal loans are made by WebBank.

¹The Prosper® Card is an unsecured credit card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard® International.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.