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Senior Credit Risk Manager Jobs (NOW HIRING)

Freddie Mac

Seller Credit Risk Manager

Plano, TX

$128K - $192K/yr

Convey complex credit issues clearly and concisely to senior leadership. * Strong Governance ... risk management principles. We consider all applicants for all positions without regard to gender ...

Freddie Mac

Seller Credit Risk Manager

Plano, TX · On-site

$128K - $192K/yr

Convey complex credit issues clearly and concisely to senior leadership. * Strong Governance ... risk management principles. Current Freddie Mac employees please apply through the internal career ...

ATLANTICUS

Credit Risk Manager

Atlanta, GA

The Credit Risk Manager is responsible for delivering strategies that drive product growth and optimization for the private label retail business. You will own and manage credit risk strategies ...

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

As of Jun 6, 2026, the average yearly pay for senior credit risk manager in the United States is $118,258.00, according to ZipRecruiter salary data. Most workers in this role earn between $84,500.00 and $145,000.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Senior Credit Risk 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 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 does a Senior Credit Risk Manager do?

A Senior Credit Risk Manager is responsible for overseeing the assessment and management of credit risks within a financial institution or company. They analyze the creditworthiness of potential and existing clients, develop risk management strategies, and ensure compliance with regulatory requirements. Additionally, they lead teams, review credit risk policies, and provide recommendations to minimize losses while optimizing profitability. Their expertise helps organizations make informed lending decisions and maintain a healthy loan portfolio.

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.

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Senior Credit Risk Manager jobs near you

Senior Credit Risk/Decision Scientist

TBO Bank

Kansas City, MO • On-site

Full-time

Posted 22 days ago

Job description

POSITION DESCRIPTION

Title: Senior Credit Risk/Decision Scientist

Classification: Salaried, exempt

Position Type: Full Time

Reports to: Credit Risk Officer – Digital Banking

Location: TBD

Summary/Objective

The Senior Credit Risk/Decision Scientist will be responsible for quantitative model development, credit strategy design, and analytical decision support throughout the customer life cycle. This role will build, validate, and monitor predictive models; design and interpret strategy tests; and translate analytical findings into actionable credit policy.

Essential Functions

Duties/Responsibilities:

• Develop, validate, and recalibrate credit risk scorecards and predictive models for acquisition, account management, and loss forecasting.

• Design and analyze champion-challenger tests to optimize credit policy and decisioning thresholds.

• Partner with Marketing to enhance response and bidding models focused on improved conversion and acquisition cost

• Monitor model performance through ongoing back-testing, stability analysis, and drift detection; recommend recalibration as needed.

• Integrate and evaluate third-party data vendors to enhance model features, leads waterfall and risk segmentation.

• Support prescreen modeling and strategies in partnership with marketing and credit strategy teams.

• Conduct portfolio-level risk analysis including delinquency trending, vintage analysis, and loss projections.

• Collaborate with compliance on model risk governance, fair lending review, and SR 11-7 documentation requirements.

• Prepare clear model documentation, validation reports, and executive-ready presentations for internal stakeholders and regulators.

• Partner with IT and data engineering teams on data pipelines, feature engineering, and model deployment in production environments.

• Contribute to fraud detection and collections analytics as workflow allows, supporting cross-functional risk initiatives.

Competencies:

• 5+ years of experience in credit risk modeling, decision science, or quantitative analytics within a bank, credit union, fintech, or consumer lender.

• Demonstrated experience building and validating scorecards using logistic regression, decision trees, gradient boosting, or similar techniques.

• Strong proficiency in Python or R for statistical modeling, data manipulation, and visualization

• Solid SQL skills; ability to independently access and analyze large datasets

• Familiarity with credit bureau data (Experian, Equifax, TransUnion) and alternative data sources.

• Understanding of model risk management frameworks, including SR 11-7 / OCC 2011-12 guidance.

• Strong analytical communication skills — ability to translate complex model outputs into actionable business recommendations.

• Bachelor's degree in Statistics, Mathematics, Economics, Computer Science, Finance, or a related quantitative field.

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