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Senior Credit Risk Manager Jobs in New York (NOW HIRING)

BNY

Senior Vice President, Credit Risk

Manhattan, NY · On-site

We're seeking a future team member for the role of SVP Counterparty Credit Risk Manager -Alternative Asset Managers and Regulated Funds to join our Credit Risk team. This role is located in New York ...

Everest Re Group

Vice President, Credit Risk

Warren, NJ · On-site

Act as the primary advisor to senior management on emerging credit risks, portfolio exposures, and risk mitigation strategies. * Represent Credit Risk in executive committees, risk governance forums ...

BNY

Senior Vice President, Credit Risk

Manhattan, NY · On-site

Manage counterparty credit risk across a portfolio of traditional and alternative asset management clients. Responsible for 2LoD credit underwriting processes and ongoing portfolio management.

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Senior Credit Risk Manager information

See New York salary details

$24.6K

$129.4K

$229.7K

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

As of Aug 23, 2026, the average yearly pay for senior credit risk manager in New York is $129,379.00, according to ZipRecruiter salary data. Most workers in this role earn between $92,400.00 and $158,600.00 per year, depending on experience, location, and employer.

What are some typical challenges a senior credit risk manager faces in balancing risk and business growth?

A Senior Credit Risk Manager often faces the challenge of maintaining a prudent risk profile while supporting the organization's growth targets. This involves analyzing complex financial data, setting appropriate credit limits, and developing risk models that reflect current market conditions. Balancing regulatory compliance with commercial objectives and collaborating with sales, underwriting, and compliance teams to ensure sound credit decisions is key. Effective communication and negotiation skills are essential when advising senior leadership on potential exposures and strategic moves.

What are the key skills and qualifications needed to thrive as a senior credit risk manager, and why are they important?

To excel as a Senior Credit Risk Manager, you need strong analytical skills, deep knowledge of credit risk assessment, and typically a degree in finance, economics, or a related field. Expertise with risk management software (such as SAS, Moody's Analytics, or SQL), financial modeling tools, and relevant certifications like FRM or CFA is highly valued. Exceptional communication, leadership, and decision-making abilities are important soft skills for managing teams and collaborating across departments. These skills and qualifications are crucial for accurately assessing credit risk, ensuring regulatory compliance, and safeguarding an organization's financial health.

What is the difference between Senior Credit Risk Manager vs Credit Analyst?

AspectSenior Credit Risk ManagerCredit Analyst
Required CredentialsBachelor's degree, often advanced certifications like CFA or credit risk certificationsBachelor's degree, often in finance, economics, or related fields
Work EnvironmentStrategic, managerial, overseeing credit risk policiesAnalytical, research-focused, assessing individual credit applications
Employer & Industry UsageFinancial institutions, banks, large corporationsBanks, lending institutions, credit agencies
Common Search & ComparisonYesYes

The Senior Credit Risk Manager typically oversees credit risk strategies and manages teams, requiring advanced certifications and strategic skills. In contrast, a Credit Analyst focuses on evaluating individual credit applications and conducting detailed financial analysis. While both roles are integral to credit risk management, they differ in scope, responsibilities, and experience level.

What does a senior credit risk manager do?

A senior credit risk manager oversees the assessment and management of credit risk for an organization, analyzing borrower creditworthiness and developing strategies to minimize potential losses. They use financial analysis, credit scoring models, and risk mitigation techniques, often working with data analysis tools and regulatory compliance standards. Their role involves making high-level decisions to ensure the organization's credit portfolio remains healthy and within risk appetite.

What are popular job titles related to Senior Credit Risk Manager jobs in New York?

For Senior Credit Risk Manager jobs in New York, the most frequently searched job titles are:

What job categories do people searching Senior Credit Risk Manager jobs in New York look for?

The top searched job categories for Senior Credit Risk Manager jobs in New York are:

What cities in New York are hiring for Senior Credit Risk Manager jobs?

Cities in New York with the most Senior Credit Risk Manager job openings:

Senior Credit Risk Manager jobs near you
Infographic showing various Senior Credit Risk Manager job openings in New York as of August 2026, with employment types broken down into 86% Full Time, 13% Part Time, and 1% Contract. Highlights an 83% Physical, 2% Hybrid, and 15% Remote job distribution, with an average salary of $129,379 per year, or $62.2 per hour.

SVP, Chief Credit Risk Officer

Cross River

Fort Lee, NJ • On-site

Full-time

Medical, Retirement

Re-posted 12 days ago

Job description

Who We Are
Cross River builds the infrastructure behind the world's most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively - trusted by leading fintechs, enterprises, and disruptors across the globe.
Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker's Best Places to Work in Fintech year after year. Whether you're designing code, solving regulatory puzzles, or developing strategy, you'll join a team where innovation and integrity drive everything we do - and where your work helps shape the future of finance.
What We're Looking For
Cross River is seeking a seasoned and strategic Chief Credit Risk Officer to lead and oversee all aspects of credit risk management across the Bank including Fintech Banking, Commercial Banking, and Principal Finance Group. Reporting to the Chief Risk and Compliance Officer, this leader will be responsible for enhancing and maintaining the credit risk framework, setting risk appetite, and ensuring sound credit decision-making as we scale our lending products and partnerships.
Responsibilities:
Strategic Leadership
  • Define and execute the enterprise-wide credit risk strategy aligned with the bank's growth objectives and regulatory requirements
  • Enhance and maintain the credit risk appetite framework, policies, and governance structure
  • Advise the Chief Risk and Compliance Officer, senior leadership, and the Board on credit risk matters
  • Chair or co-chair the Management Credit Committee, Allowance Committee and participate in relevant Board committees

Credit Risk Management
  • Oversee underwriting standards, credit policies, and portfolio management across all lending verticals (e.g., payments, marketplace lending, BaaS partnerships, commercial lending (CRE, SBA, C&I), and structured finance)
  • Provide oversight for CECL, and market to market valuation reserve including reviewing model assumptions and outputs, need for overlay thereby ensuring adequate reserves
  • Establish, enhance, and maintain concentration limits, stress testing frameworks, and early warning systems
  • Provide effective challenge through review of Commercial Banking (CRE, C&I, and SBA), and Structured Finance transactions
  • Oversee settlement risk by determining limits, and reserves posed by Payment products including ACH, Acquiring, and other payment funding models
  • Lead portfolio analytics and reporting, including identifying, trends and potential areas of concern in the portfolio through single name analysis, pool level portfolio analysis, vintage analysis, and risk-adjusted return metrics

Technology & Innovation
  • Partner with technology, operations, and product teams to embed credit risk controls into automated lending platforms and APIs
  • Leverage Agentic AI technology to streamline and enhance credit processes to increase productivity and scalability
  • Ensure best in class risk identification tools which may include vendor developed, internally developed, AI/ML are developed to enhance credit processes

Regulatory & Compliance
  • Ensure compliance with all applicable regulations (OCC, FDIC, Federal Reserve, state banking laws, fair lending, etc.)
  • Support relationships with regulators and lead credit risk-related examinations and audits
  • Oversee model risk management (MRM) in accordance with SR 26-2/11-7 guidance
  • Collaborate closely with the compliance function under the Chief Risk and Compliance Officer to ensure alignment of credit and compliance objectives

Team Development
  • Build, mentor, and lead a high-performing credit risk organization
  • Foster a culture of data-driven decision-making, accountability, and continuous learning
  • Attract top talent across credit analytics, portfolio management, and risk operations

Reporting Structure:
  • Reports to: Chief Risk and Compliance Officer
  • Direct Reports: Credit Risk team leads, Portfolio Managers, Senior Credit Analysts

Qualifications:
Required
  • 15+ years of progressive experience in credit risk management within banking, fintech, or financial services
  • Deep expertise in consumer and/or commercial credit underwriting, portfolio management, and loss mitigation
  • Strong understanding of regulatory frameworks governing bank lending and risk management
  • Experience with models, and model related processes
  • Experience with CECL/Allowance processes
  • Experience with regulators (OCC/FDIC/Fed), and External Auditors/Rating Agencies
  • Proven leadership with strong communication skills across all levels of the organization
  • Bachelor's degree in Finance, Economics, Mathematics, or related field

Preferred
  • Advanced degree (MBA, Master's, or PhD) in a quantitative or business discipline
  • Prior experience at a fintech bank, digital lender, or BaaS (Banking-as-a-Service) provider
  • Familiarity with marketplace/partner lending models and embedded finance
  • Experience navigating rapid growth environments while maintaining sound risk controls
  • Professional certifications (FRM, PRM, CFA) are a plus

Competencies:
Competency
Description
Strategic Thinking
Ability to balance growth ambitions with prudent risk management
Data-Driven Leadership
Comfort with advanced analytics, AI/ML, and technology-enabled risk solutions
Regulatory Acumen
Deep understanding of the evolving regulatory landscape for fintech banks
Stakeholder Management
Effective communicator across Board, regulators, partners, and internal teams
Adaptability
Thrives in fast-paced, innovative environments with evolving product lines
What We Offer:
  • Competitive compensation package (base + bonus + equity)
  • Opportunity to shape credit risk strategy at the intersection of banking and technology
  • Collaborative, innovation-driven culture
  • Comprehensive benefits including health, retirement, and professional development

#LI-JJ1 #LI-Hybrid #LI-Onsite
Salary Range: $280,000.00 - $350,000.00
Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.
By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.

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