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Senior Credit Risk Analyst Jobs (NOW HIRING)

Inhabit

Senior Credit Risk Analyst

Alpharetta, GA · On-site

Summary As a Senior Credit and Risk Analyst, the primary responsibilities include identifying and reviewing credit and risk related activity. In this role you will complete investigations, account ...

INHABIT IQ

Senior Credit Risk Analyst

Alpharetta, GA

Summary As a Senior Credit and Risk Analyst, the primary responsibilities include identifying and reviewing credit and risk related activity. In this role you will complete investigations, account ...

Avant

Sr Analyst, Credit Risk - Loan

Chicago, IL · On-site

$66K - $88K/yr

Avant is looking for a Senior Credit Risk Analyst who will play a crucial role in evaluating and managing credit risk of the loan origination business. This role involves conducting in-depth analysis ...

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site

Support senior leadership in partnering with broader business units to assess data availability, data sufficiency, and reporting needs for credit risk assessment * Perform broader sector analysis in ...

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site +1

Support senior leadership in partnering with broader business units to assess data availability, data sufficiency, and reporting needs for credit risk assessment * Perform broader sector analysis in ...

Monex

Senior Credit Risk Manager

Washington, DC · On-site

$100K - $140K/yr

Monex USA is seeking a highly analytical and hands-on Senior Credit Risk Manager to oversee and actively manage the company's credit risk function within a fast-paced FX and derivatives environment.

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 ...

MyUSA Credit Union

Credit Risk Analyst

Middletown, OH · On-site

The Credit Risk Analyst assists the Lending Manager in developing strategies to increase lending activity at MyUSA. They perform credit and risk analysis to assess opportunities for increasing direct ...

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 ...

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Senior Credit Risk Analyst information

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$53.5K

$109.8K

$142.5K

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

As of Jun 26, 2026, the average yearly pay for senior credit risk analyst in the United States is $109,846.00, according to ZipRecruiter salary data. Most workers in this role earn between $90,500.00 and $137,000.00 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 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. They analyze financial data, use risk assessment tools, and develop strategies to mitigate potential losses, often preparing detailed reports for decision-makers. Strong analytical skills and knowledge of credit scoring models are essential in this role.

Will AI replace credit analyst?

AI is increasingly used to assist credit analysts by automating data analysis and risk assessment tasks. However, the role of a senior credit risk analyst involves judgment, relationship management, and complex decision-making that AI cannot fully replicate, so the profession is expected to evolve rather than be replaced entirely.

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 knowledge of credit risk assessment tools and regulations.

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 company size. At JPMorgan Chase, the average salary is around $100,000 per year, with additional bonuses and benefits often included.
What cities are hiring for Senior Credit Risk Analyst jobs? Cities with the most Senior Credit Risk Analyst job openings:
What are the most commonly searched types of Credit Risk Analyst jobs? The most popular types of Credit Risk Analyst jobs are:
What states have the most Senior Credit Risk Analyst jobs? States with the most job openings for Senior Credit Risk Analyst jobs include:
Senior Credit Risk Analyst jobs near you
Infographic showing various Senior Credit Risk Analyst job openings in the United States as of June 2026, with employment types broken down into 89% Full Time, 9% Part Time, 1% Temporary, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $109,846 per year, or $52.8 per hour.
Senior Credit Risk Analyst

Senior Credit Risk Analyst

Inhabit

Alpharetta, GA • On-site

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 17 days ago

Job description

About Inhabit
Inhabit operates a unique collective of tech-forward companies serving the residential, commercial, and short-term rental industries. Our team members deliver best-in-class software solutions and services while fostering innovation and collaboration with business leaders and industry experts. Inhabit believes that property managers are central to the success of the residential and short-term rental markets and delivers products built to empower them, their investors, and communities. Come help build the company you want to Inhabit. To learn more, visit inhabit.com.
Job Description Summary
As a Senior Credit and Risk Analyst, the primary responsibilities include identifying and reviewing credit and risk related activity. In this role you will complete investigations, account reviews and report findings to management. This role will focus on ensuring compliance, preventing risk, and mitigating losses for the company. You will also play an active role in the development and adoption of AI-powered risk tools, helping to shape how intelligent automation is integrated into our risk workflows.
What You'll Do (Functions & Responsibilities)
  • Verify and assess merchant application information, including performing KYB, KYC, credit report review, and financial statement analysis to approve or decline applications
  • Leverage AI-assisted underwriting tools to accelerate application evaluation, surface risk indicators, and validate AI-generated outputs with sound human judgment
  • Monitor daily transactions to identify and investigate suspicious, fraudulent, or high-risk activity and escalate findings appropriately
  • Utilize AI-powered anomaly detection and transaction monitoring platforms to identify fraud signals and high-risk patterns at scale
  • Evaluate merchant portfolios for risk exposure, credit thresholds, and compliance with card brand rules and regulatory guidelines
  • Complete compliance reviews for new and existing clients to ensure adherence to PCI, AML, and other applicable standards
  • Collaborate with internal teams including Sales, Legal, Product, and Engineering to mitigate risk and ensure compliance across workflows
  • Partner in the development and refinement of AI-driven risk workflows; identify use cases for automation and contribute domain expertise to AI system design and improvement
  • Prepare detailed reports and risk assessments for management, including recommendations for risk mitigation and loss prevention
  • Apply generative AI tools to synthesize portfolio risk data, draft risk summaries, and enhance reporting efficiency
  • Support collections activities, chargeback analysis, and review of contractual risk language when applicable
  • Mentor analysts through guidance on risk models, investigative techniques, professional development, and responsible AI tool usage
  • Identify and implement process improvements for underwriting, risk management, and operational efficiency
  • Remain up to date on payment industry regulations, trends, AI developments in risk management, and best practices to proactively manage risk exposure
  • Actively engage with and help evaluate AI-powered risk tools and platforms as they are introduced
  • Participate in AI tool training and upskilling initiatives, maintaining a growth mindset toward emerging technology
  • Apply critical judgment to AI-generated outputs - knowing when to trust, when to question, and when to override automated recommendations
  • Contribute risk domain expertise to help define AI model inputs, flag potential bias or errors, and translate business needs into system requirements
  • Help establish guardrails and best practices for responsible AI use within the risk and compliance function

What We're Looking For (Minimum Qualifications)
  • 3-5 years' experience in FinTech, payment processing, or risk management
  • Experience in the payments industry and awareness of current trends
  • Working knowledge of card brand rules and regulations (Visa, Mastercard, Amex, Discover)
  • Understanding of ACH and NACHA guidelines as they relate to payment processing and risk management
  • Transaction risk monitoring experience
  • Knowledge of and experience working with a mix of electronic payment types
  • Proficiency in reading and analyzing credit reports and financial documents
  • Excellent customer service skills
  • Strong technical skills including Excel, Asana, CRM solutions, banking software, and ticketing systems
  • Familiarity with AI/ML-powered fraud detection, risk monitoring platforms, or automated underwriting tools
  • Comfort working with AI-generated outputs and the judgment to validate, override, or escalate as appropriate
  • Experience using generative AI tools (e.g., ChatGPT, Microsoft Copilot) to improve workflow efficiency
  • Demonstrated integrity, good judgment, and strong decision-making abilities
  • Experience in one or more of the following:
  • Payments industry
  • Underwriting or risk management
  • Collections

Education Requirements
  • Bachelor's Degree preferred or equivalent work experience

Type
  • Full Time, Salaried, Exempt

Location
  • Alpharetta, GA
  • We have an in-office work style, with most team members working in the office from Monday to Thursday and remotely on Friday.

Benefits Include
  • Competitive Pay
  • Health Insurance: Medical, Dental, Vision and Prescription Plans
  • Health Savings Accounts
  • Flexible Spending Account
  • Dependent Flexible Spending Account
  • Critical Illness
  • Accident
  • Retirement Savings Plan (401K) with discretionary company match
  • Short and Long Term Disability
  • Company Paid $25,000.00 Life Insurance
  • Supplemental Life and AD&D Insurance
  • Employee Assistance Program
  • Paid Holidays
  • Paid Vacation
  • Paid Volunteer Time
  • Inhabit Employee Discount Programs

Our Company is an Equal Opportunity Employer and complies with all federal, state, and local laws, including providing reasonable accommodation to applicants.
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