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Senior Credit Risk Officer Jobs (NOW HIRING)

Adyen

Credit Risk Officer

Chicago, IL · On-site

Credit Risk Officer - Financial Products As a Credit Risk Analyst based in Chicago, you will be part of a growing team responsible for evaluating, managing, and scaling credit risk across Adyen ...

Adyen

Credit Risk Officer

Chicago, IL

Credit Risk Officer - Financial Products As a Credit Risk Analyst based in Chicago, you will be part of a growing team responsible for evaluating, managing, and scaling credit risk across Adyen ...

Cross River

Chief Credit Risk Officer

Fort Lee, NJ

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 ...

Cross River

Chief Credit Risk Officer

Fort Lee, NJ · On-site

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 ...

ING

Director, Senior Credit Officer

Manhattan, NY

Director, Senior Credit Officer Transaction Approval & Advice (TA&A) New York is looking to support ... The risk managers (SCOs and risk officers) have a deep understanding of credit structuring, credit ...

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Senior Credit Risk Officer information

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$76.5K

$134.9K

$210.5K

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

As of Jun 18, 2026, the average yearly pay for senior credit risk officer in the United States is $134,851.00, according to ZipRecruiter salary data. Most workers in this role earn between $109,000.00 and $154,000.00 per year, depending on experience, location, and employer.

What does a Senior Credit Risk Officer do?

A Senior Credit Risk Officer is responsible for identifying, assessing, and managing the risks associated with lending and credit activities within a financial institution. They analyze credit data, set credit policies, and make recommendations to minimize potential losses while supporting business growth. Their role often includes monitoring credit portfolios, ensuring compliance with regulations, and collaborating with other departments to develop risk mitigation strategies. Senior Credit Risk Officers play a crucial part in maintaining the financial health and stability of their organization.

What are the 5 C's of credit risk?

The 5 C's of credit risk—character, capacity, collateral, capital, and conditions—are criteria used by senior credit risk officers to evaluate a borrower's creditworthiness. These factors help assess the likelihood of repayment and inform lending decisions, often supported by financial analysis and credit scoring tools.

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

AspectSenior Credit Risk OfficerCredit Analyst
Required CredentialsBachelor's degree, often advanced certifications (e.g., CFA, FRM)Bachelor's degree, sometimes certifications like CFA
Work EnvironmentRisk management teams, senior management, strategic planningCredit departments, underwriting teams, financial analysis
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending institutions, corporate finance
Common Search & ComparisonSenior roles in credit risk managementEntry to mid-level credit assessment roles

The main difference is that a Senior Credit Risk Officer focuses on overseeing and managing credit risk strategies at a senior level, often involved in policy development and risk mitigation. In contrast, a Credit Analyst primarily conducts credit assessments and analyzes financial data to support lending decisions. The Senior Credit Risk Officer has broader responsibilities and strategic influence, while the Credit Analyst is more focused on individual credit evaluations.

What is the salary of credit risk officer in JP Morgan?

The salary of a Senior Credit Risk Officer at JP Morgan typically ranges from $80,000 to $150,000 annually, depending on experience, location, and specific responsibilities. Compensation may also include bonuses and benefits aligned with industry standards for risk management roles.

What is a senior credit risk officer?

A senior credit risk officer is a professional responsible for assessing and managing the credit risk of a financial institution or organization. They analyze borrower creditworthiness, develop risk mitigation strategies, and often use tools like credit scoring models and financial analysis to ensure the institution's financial stability.

Does credit risk pay well?

Senior Credit Risk Officers typically earn competitive salaries that reflect their expertise in assessing and managing credit risk. Compensation varies by industry, location, and experience, but these roles often include bonuses and benefits due to their importance in financial institutions. Advanced certifications and strong analytical skills can also enhance earning potential.

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

To thrive as a Senior Credit Risk Officer, you need a deep understanding of credit risk analysis, financial statement evaluation, and regulatory frameworks, typically supported by a degree in finance, economics, or a related field. Familiarity with credit risk modeling tools, risk management software, and certifications such as FRM or CFA are highly valued. Strong analytical thinking, attention to detail, and effective communication skills are crucial for influencing decision-making and collaborating with stakeholders. These skills and qualities are essential for accurately assessing risk, safeguarding the institution, and ensuring compliance with industry standards.

How does a Senior Credit Risk Officer typically collaborate with other departments within a financial institution?

A Senior Credit Risk Officer regularly works with teams from lending, compliance, finance, and audit to ensure that credit risk policies are effectively implemented and adhered to. They provide expert analysis and recommendations on credit exposures, participate in credit committee meetings, and often help develop frameworks for risk assessment in coordination with business development teams. Strong communication and teamwork are essential, as the role requires balancing risk mitigation with the institution's growth objectives. This cross-functional collaboration is key to maintaining a healthy credit portfolio and supporting strategic decision-making.
What cities are hiring for Senior Credit Risk Officer jobs? Cities with the most Senior Credit Risk Officer job openings:
What are the most commonly searched types of Credit Risk Officer jobs? The most popular types of Credit Risk Officer jobs are:
What states have the most Senior Credit Risk Officer jobs? States with the most job openings for Senior Credit Risk Officer jobs include:
Senior Credit Risk Officer jobs near you

Senior Credit Risk/Decision Scientist

TBO Bank

Kansas City, MO • On-site

Full-time

Posted 4 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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