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Senior Credit Risk Analyst Jobs in California (NOW HIRING)

Calpine

Credit Risk Analyst

San Diego, CA · On-site

$70K - $88K/yr

Key activities: * Perform credit risk analysis * Develop risk mitigating products Job ... Interfaces with all levels of sales, senior management and other internal departments to expedite ...

Calpine

Credit Risk Analyst

San Diego, CA · On-site

$70K - $88K/yr

Key activities: * Perform credit risk analysis * Develop risk mitigating products Job ... Interfaces with all levels of sales, senior management and other internal departments to expedite ...

Super Micro Computer

Sr. Credit Analyst

San Jose, CA · On-site

$98K - $109K/yr

The Senior Credit Analyst will be involved with the daily credit risk optimization requirements and monitor credit exposure. A successful individual for this role must have strong written and verbal ...

Fifth Third

Senior Credit Analyst

San Jose, CA · On-site

The Senior Credit Analyst is accountable for managing risk by openly exchanging ideas and viewpoints, elevating concerns with clear analysis and recommendations, and adhering toestablishedpolicies ...

Fifth Third

Senior Credit Analyst

Sacramento, CA · On-site

The Senior Credit Analyst is accountable for managing risk by openly exchanging ideas and viewpoints, elevating concerns with clear analysis and recommendations, and adhering toestablishedpolicies ...

Fifth Third

Senior Credit Analyst

San Francisco, CA · On-site

The Senior Credit Analyst is accountable for managing risk by openly exchanging ideas and viewpoints, elevating concerns with clear analysis and recommendations, and adhering toestablishedpolicies ...

Travis Credit Union

Credit Policy Analyst

Vacaville, CA · On-site

$90K - $132K/yr

Conducts risk analysis to assess the impact of existing and proposed credit policies on an ... Tableau, Power BI) or SQL certification desired. Sr. Credit Policy Analyst * Reports directly to ...

Travis Credit Union

Credit Policy Analyst

Vacaville, CA · On-site

$90K - $132K/yr

Conducts risk analysis to assess the impact of existing and proposed credit policies on an ... Tableau, Power BI) or SQL certification desired. Sr. Credit Policy Analyst * Reports directly to ...

HireQuestNW

CA · On-site

... risk factors, and supporting sound lending decisions. The ideal candidate will possess strong ... Credit Analysts, Senior Credit Analysts, Underwriters, or emerging Portfolio Managers seeking ...

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All JobsSenior Credit Risk Analyst JobsSenior Credit Risk Analyst Jobs in California

Senior Credit Risk Analyst information

See California salary details

$52.8K

$108.4K

$140.6K

How much do senior credit risk analyst jobs pay per year?

As of Jul 4, 2026, the average yearly pay for senior credit risk analyst in California is $108,408.00, according to ZipRecruiter salary data. Most workers in this role earn between $89,300.00 and $135,200.00 per year, depending on experience, location, and employer.

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

To thrive as a Senior Credit Risk Analyst, you need strong analytical skills, a solid understanding of financial statements, and a degree in finance, economics, or a related field. Expertise with risk modeling tools, statistical software (such as SAS or R), and experience with credit risk management systems are typically required. Exceptional attention to detail, critical thinking, and effective communication skills set top performers apart in this role. These skills and qualities are vital for accurately assessing credit risk, making sound recommendations, and supporting organizational financial stability.

What is the highest salary for a credit analyst?

The highest salary for a senior credit risk analyst can exceed $100,000 annually, especially with extensive experience, advanced certifications, and working in high-cost regions or large financial institutions. Top earners may also receive bonuses and performance incentives that significantly increase total compensation.

What does a senior Credit Risk Analyst do?

A senior Credit Risk Analyst evaluates the creditworthiness of individuals or businesses to determine the risk of lending money. They analyze financial data, use risk assessment tools, and develop strategies to minimize potential losses for financial institutions. This role often requires strong analytical skills, knowledge of credit scoring models, and proficiency with data analysis software.

What are some common challenges faced by Senior Credit Risk Analysts when assessing complex credit portfolios?

Senior Credit Risk Analysts often encounter challenges such as evaluating the risk of diverse and complex credit portfolios, interpreting large volumes of financial data, and staying current with evolving regulatory requirements. Balancing the need for thorough risk assessments with tight deadlines can also be demanding. Additionally, they must effectively communicate their findings and recommendations to stakeholders across departments, ensuring that risk strategies align with the organization’s broader objectives.

How much does a senior Credit Risk Analyst earn?

A senior Credit Risk Analyst typically earns between $70,000 and $120,000 annually, depending on experience, location, and industry. They often require strong analytical skills and proficiency with risk assessment tools to perform their duties effectively.

What is the salary of senior Credit Risk Analyst?

The salary of a Senior Credit Risk Analyst typically ranges from $80,000 to $130,000 annually, depending on experience, location, and the company's size. At firms like JP Morgan, the average salary is often around $100,000 to $120,000, with additional bonuses and benefits.
What are the most commonly searched types of Credit Risk Analyst jobs in California? The most popular types of Credit Risk Analyst jobs in California are:
What cities in California are hiring for Senior Credit Risk Analyst jobs? Cities in California with the most Senior Credit Risk Analyst job openings:
Senior Credit Risk Analyst jobs near you
Infographic showing various Senior Credit Risk Analyst job openings in California as of June 2026, with employment types broken down into 86% Full Time, 11% Part Time, 2% Temporary, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $108,408 per year, or $52.1 per hour.
Senior Credit Risk Analyst

Senior Credit Risk Analyst

Artemis Consultants

San Jose, CA • On-site

Full-time

Posted 21 days ago

Job description

COMPANY OVERVIEW:
The company a global leader in enterprise-grade data analytics and AI solutions, committed to empowering businesses across various industries with cutting-edge technology and expert insights. Backed by a top private equity firm, they drive innovation through significant investments and an entrepreneurial spirit.
They focus on delivering advanced Data Analytics & AI Solutions. By combining sophisticated technology with subject matter expertise, they deliver material impact on clients' topline and streamline their operations. They specialize in providing tailored solutions across financial services, CPG, legal, pharma, life sciences, retail and logistics, helping them build robust data analytics and AI capabilities.
With a client base spanning 30 countries, they have a global presence to enables them to offer localized expertise with a worldwide perspective.
POSITION OVERVIEW:
We are seeking a Senior Credit Risk Analyst with strong unsecured lending experience to support client's consumer credit products. This role will focus on credit card and personal loan portfolios, leveraging data to drive risk strategies, optimize underwriting, and improve portfolio performance.
You will work closely with cross-functional partners in Risk, Product, Data Science, and Engineering to design, implement, and monitor credit risk strategies that balance growth, risk, and customer experience.
RESPONSIBILITIES:
  • Develop, implement, and monitor credit risk strategies for unsecured lending products (with a strong focus on credit cards).
  • Analyze portfolio performance, customer behavior, and risk trends to identify opportunities to improve approval rates, loss performance, and profitability.
  • Design and execute A/B tests and experiments to evaluate new risk policies, cutoffs, and treatment strategies.
  • Build and maintain dashboards, reports, and performance tracking for key risk metrics (e.g., delinquency, losses, vintage curves, line utilization, approval/decline rates).
  • Partner with data science and modeling teams to translate model outputs into actionable strategies and policy rules.
  • Use SQL and Python to extract, clean, and analyze large datasets from multiple sources.
  • Present insights, recommendations, and business cases to senior stakeholders in a clear, structured manner.
  • Support regulatory and compliance requirements by ensuring risk strategies and analyses meet internal and external standards.
  • Contribute to continuous improvement of data, tools, and processes within the Credit Risk and Analytics function.

PREFERRED PROFILE:
  • Bachelor's degree in a quantitative field (e.g., Statistics, Mathematics, Economics, Engineering, Computer Science, Finance) or equivalent practical experience.
  • 5+ years of hands-on experience in Credit Risk within unsecured lending: ideally in: Credit cards (strongly preferred), and/or Personal loans or other unsecured consumer lending products.
  • Strong SQL skills with demonstrated experience querying and manipulating large, complex datasets.
  • Proficiency in Python for data analysis, modeling support, and automation (e.g., pandas, NumPy, basic visualization libraries).
  • Proven track record of using analytics to solve business problems in credit risk (e.g., underwriting, line management, pricing, collections, fraud/risk trade-offs).
  • Solid understanding of core credit risk concepts: scorecards, cutoffs, PD/LGD/EAD, vintage analysis, loss curves, risk-based pricing, and portfolio segmentation.
  • Strong problem-solving skills with the ability to structure ambiguous problems, form hypotheses, and drive analyses end-to-end.
  • Excellent communication skills, with the ability to translate complex analytical findings into clear, actionable recommendations for non-technical stakeholders.
  • Experience working in a fintech, payments, or digital lending environment.
  • Familiarity with credit bureau data and alternative data sources.
  • Experience with experimentation (A/B testing), champion-challenger frameworks, and test design.
  • Exposure to machine learning-driven risk models and their application in production environments.
  • Experience with BI/visualization tools (e.g., Tableau, Power BI, Looker) for dashboarding and reporting.
  • Master's degree in a quantitative discipline is a plus.

Personal Attributes Desired:
  • Data-driven, detail-oriented, and intellectually curious.
  • Comfortable working in a fast-paced, evolving environment.
  • Collaborative mindset with the ability to work effectively across functions and geographies.
  • Ownership mentality and bias for action; able to drive initiatives from concept to execution.

LOCATION: San Jose, CA (Hybrid)
Job ID# 3599749
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