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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 ...

River Run Services LLC

Senior Credit Officer

Haverhill, MA · On-site

$83K - $121K/yr

Job Summary The Senior Credit Officer provides oversight and reporting in support of the company ... Present risk management findings and conclusions to the Board Joint Risk Committee, or other groups ...

ING

Director, Senior Credit Officer

Manhattan, NY · On-site

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 ...

ING Group

Director, Senior Credit Officer

New York, NY · On-site

The risk managers (SCOs and risk officers) have a deep understanding of credit structuring, credit ... Develop and maintain relationships with (senior) management and other relevant internal and/or ...

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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 Jul 8, 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 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 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
Infographic showing various Senior Credit Risk Officer job openings in the United States as of July 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $134,851 per year, or $64.8 per hour.

Credit Risk Officer

Adyen

Chicago, IL • On-site

Full-time

Re-posted 24 days ago

Job description

This is Adyen
Adyen is the payments platform of choice for the world's leading companies, delivering frictionless payments across online, mobile, and in-store channels. Our team members are motivated individuals that help each other do remarkable things every day. We face unique technical challenges at scale and we solve those as a team. And together, we deliver innovative and ethical solutions that transform the way the world pays.
We took an unobvious approach to starting a payments company, building a platform from scratch. Now, Adyen serves the world's brightest companies like Facebook, Uber, L'Oreal, Casper, Bonobos and Spotify.
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's expanding suite of financial products. The team plays a critical role in assessing credit risk, underwriting SME and enterprise merchants, and ensuring that portfolio performance remains within Adyen's risk appetite, while enabling sustainable growth for our merchants.
Beyond day-to-day underwriting and portfolio management, the team owns the development and operation of credit risk frameworks for new and evolving financial products (e.g. Adyen Capital). Working closely with Commercial, Product, Compliance, and other cross-functional partners, you will help design scalable, data-driven risk processes that support Adyen's global growth ambitions.
The Credit Risk team is in an early stage of its journey, offering significant opportunities to shape processes, influence product direction, and grow alongside the business. You will join an international, diverse team that values ownership, pragmatism, and collaboration, and operates across regions and cultures.
The ideal candidate combines strong problem-solving skills, clear and direct communication, and deep financial expertise to deliver thoughtful risk assessments and contribute to strategic recommendations on credit policies, frameworks, and practices.
What you'll do
  • Perform the credit underwriting and portfolio monitoring of different financial products, including loans to SMBs and other credit products to enterprise customers;
  • Analyze the impact of business model, industry and macro-economic developments on the credit portfolios and the credit risk offering of Adyen;
  • Develop and implement credit risk strategies to enhance portfolio performance while ensuring alignment with risk appetite and business objectives;
  • Drive continuous improvement of our global and US-specific credit risk underwriting and monitoring framework, including policies, procedures and practices;
  • Provide credit risk expertise to a variety of stakeholders to guarantee that credit risk is properly considered in new commercial product developments;
  • Identify manual steps in underwriting, portfolio monitoring, and credit decisioning workflows that are prime candidates for AI-driven automation
  • Develop clear documentation and governance frameworks for automated decisions, ensuring transparency, auditability, and alignment with regulatory expectations
  • Stay current with advancements in AI applied to credit risk, advocating for adoption of new techniques where they can drive meaningful efficiency or accuracy gains

Who you are
  • Financial Expertise:
    • Minimum of 3+ years of experience in commercial credit underwriting, preferably within banking, fintech, or SMEs credit lending-driven environments.
    • Strong analytical capabilities with demonstrated ability to interpret financial statements, assess borrower quality, and identify key risk drivers, trends, and early-warning indicators.
    • Proven experience managing and assessing credit portfolios across products such as SMB lending, working capital solutions, overdrafts, charge cards, and/or asset-backed financing.
    • Experience operating in high-volume, scalable credit environments is a strong plus, including exposure to payments, automation, and data-driven decisioning frameworks.
    • Ability to balance risk and return, applying sound judgment to make credit decisions in line with defined risk appetite and business objectives.
    • Familiarity with U.S. regulatory frameworks and guidelines related to credit risk; hands-on regulatory experience is a strong plus but not required.

Mindset:
    • Results-driven and outcomes-focused, with a strong sense of ownership and accountability for decisions and impact.
    • Comfortable operating in a fast-scaling environment, contributing to the design of robust processes and building with automation and scalability in mind.
    • Adaptable and resilient, able to adjust quickly to changing priorities, product offerings, and risk profiles.
    • Collaborative team player with a low-ego, high-accountability mindset who values constructive challenge and shared success.

Communication:
    • Clear and effective communicator who is able to communicate straight and to the point.
    • Comfortable engaging with a wide range of stakeholders, both internally and externally, across functions and seniority levels.
    • Capable of navigating complex and sensitive conversations with regulators, merchants, and partners, translating risk considerations into clear, actionable messages.

Please note that this role is a hybrid, 3x a week position in Chicago.
The base salary compensation range for this role in Chicago is: $85,000.00-$110,000.00.
The Total Compensation package also includes RSUs (Restricted Stock Units).
Our Diversity, Equity and Inclusion commitments
Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you're from, we welcome you to be your true self at Adyen.
Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application!
What's next?
Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don't be afraid to let us know if you need more flexibility.
Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status.
All your information will be kept confidential according to EEO guidelines.

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