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Remote Credit Risk Jobs in California (NOW HIRING)

Prosper

Credit Risk Analyst

San Francisco, CA · On-site +1

$122K - $140K/yr

The Credit Risk team uses analytics tools to develop strategies that govern automated decisions in ... Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote ...

Prosper

Credit Risk Analyst

San Francisco, CA · On-site +1

$122K - $140K/yr

The Credit Risk team uses analytics tools to develop strategies that govern automated decisions in ... Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site +1

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 ...

Achieve

Sr. Data Scientist (Credit Risk)

San Mateo, CA · On-site +1

We are looking for an experienced, hands-on Credit Risk, Sr. Data Scientist who is comfortable ... Hybrid and remote work opportunities * 401 (k) with employer match * Medical, dental, and vision ...

Achieve

Sr. Data Scientist (Credit Risk)

San Mateo, CA · On-site +1

We are looking for an experienced, hands-on Credit Risk, Sr. Data Scientist who is comfortable ... Hybrid and remote work opportunities * 401 (k) with employer match * Medical, dental, and vision ...

Qcells

Counterparty Risk Analyst (Credit Analyst)

Irvine, CA · On-site +1

$75K - $95K/yr

Remote work may be considered for exceptional cases. RESPONSIBILITIES * Perform due diligence and ... Recommend internal credit ratings and risk-based limits, partner payment terms, and prepare written ...

Sunbit

Analytics Manager, Credit Cards

Los Angeles, CA · On-site +1

Remote Reports To: Head of Business Analytics The Company: Sunbit builds financial technology for ... This is a high-impact individual contributor role that sits at the intersection of Credit Risk ...

BNY

Vice President, Model Risk Management

Los Angeles, CA · On-site +1

$129K - $179K/yr

May work in one of five disciplines, each responsible for a different type of modeling: 1) Credit ... Remote work may be permitted within a commutable distance from the worksite. REQUIREMENTS: Master ...

BNY

Vice President, Model Risk Management

Los Angeles, CA · On-site +1

$129K - $179K/yr

May work in one of five disciplines, each responsible for a different type of modeling: 1) Credit ... Remote work may be permitted within a commutable distance from the worksite. REQUIREMENTS: Master ...

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All JobsCredit Risk JobsRemote Credit Risk JobsRemote Credit Risk Jobs in California

Remote Credit Risk information

See California salary details

$49.3K

$107.9K

$180.6K

How much do remote credit risk jobs pay per year?

As of Jul 13, 2026, the average yearly pay for remote credit risk in California is $107,883.00, according to ZipRecruiter salary data. Most workers in this role earn between $74,000.00 and $140,100.00 per year, depending on experience, location, and employer.

What are some common challenges faced by professionals in remote credit risk roles, and how can they be addressed?

Remote credit risk professionals often face challenges such as limited direct access to clients and colleagues, which can make it harder to gather nuanced information and collaborate efficiently. To address these, it's important to leverage digital communication tools and maintain proactive communication with both internal teams and external stakeholders. Building strong documentation and adopting clear workflows also help ensure consistency in risk evaluation while working remotely. Regular virtual meetings and continuous professional development can further support success and connection in a remote setting.

What is a Remote Credit Risk job?

A Remote Credit Risk job involves analyzing and assessing the financial risk associated with lending or extending credit to individuals or businesses, all while working from a remote location. Professionals in this field evaluate credit applications, monitor existing accounts, and help develop policies to minimize financial losses for their employer. They typically use data analysis, financial modeling, and risk assessment tools to make informed decisions. Remote roles in credit risk allow for flexible work arrangements, but still require strong analytical skills and attention to detail.

What is the difference between Remote Credit Risk vs Remote Credit Analyst?

AspectRemote Credit RiskRemote Credit Analyst
Primary FocusAssessing overall credit risk for portfolios and lending strategiesAnalyzing individual credit applications and financial data
Required CredentialsOften requires risk management certifications, finance degreesTypically requires finance or accounting degrees, certifications like CFA or CPA
Work EnvironmentCollaborates with risk management teams, uses risk modeling toolsWorks with loan officers, reviews financial statements, uses credit scoring software
Industry UsageCommon in banking, financial services, lending institutionsUsed in banks, credit unions, lending agencies

Remote Credit Risk professionals focus on evaluating overall credit portfolios and developing risk mitigation strategies, while Remote Credit Analysts analyze individual credit applications to determine creditworthiness. Both roles require financial expertise and often similar certifications, but their scope and daily tasks differ significantly.

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

To thrive as a Remote Credit Risk Analyst, you need strong analytical abilities, knowledge of financial principles, and typically a degree in finance, economics, or a related field. Familiarity with risk assessment software, statistical tools like SAS or R, and credit reporting systems is essential. Excellent communication, attention to detail, and problem-solving skills help you interpret data and collaborate effectively from a distance. These skills and qualifications are crucial to accurately assess creditworthiness, minimize risk, and support sound financial decisions in a remote environment.
What are the most commonly searched types of Credit Risk jobs in California? The most popular types of Credit Risk jobs in California are:
What are popular job titles related to Remote Credit Risk jobs in California? For Remote Credit Risk jobs in California, the most frequently searched job titles are:
What job categories do people searching Remote Credit Risk jobs in California look for? The top searched job categories for Remote Credit Risk jobs in California are:
What cities in California are hiring for Remote Credit Risk jobs? Cities in California with the most Remote Credit Risk job openings:
Remote Credit Risk jobs near you
Infographic showing various Remote Credit Risk job openings in California as of July 2026, with employment types broken down into 84% Full Time, 7% Part Time, 4% Temporary, and 5% Contract. Highlights an 100% Remote job distribution, with an average salary of $107,883 per year, or $51.9 per hour.
Credit Risk Analyst

Credit Risk Analyst

Prosper

San Francisco, CA • On-site, Remote

$122K - $140K/yr

Full-time

Medical, Retirement

Posted 8 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 Senior 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.
$122,000 - $140,000 a year
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
#IND1
 

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 Card 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.

The 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.
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