Credit Risk Analyst Jobs
Credit Risk Analyst jobs are open across banking, fintech, insurance, and corporate lending, at every level from analyst I to senior and director, with specializations in consumer credit, commercial credit, and model validation. Find a role that fits from the openings below and apply directly.
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This position plays an integral role in shaping the expansion of our clients auto finance business. It is a strategic blend of analytics leadership, business development, and cross-functional collaboration, heavily aligned with sales, risk, and technology teams. It's an ideal position for someone who can blend technical analytics, strategic planning, and leadership. You’ll be the key analytical partner to the Head of Auto Sales and help define and scale a growing dealer-focused business line.
Responsibilities
- Previous trck record in subprime consumer lending, fintech, payments, or another regulated financial services technology environment.
- Familiarity with credit decisioning, underwriting strategy, or fraud detection
- Experience working in a regulated financial services environment
- Exposure to A/B testing, experimentation frameworks, or champion/challenger strategies
Requirements:
- Bachelor’s in a quantitative field (Engineering, Statistics, Economics, Computer Science, or similar) - Master’s or PhD preferred.
- 8+ years in consumer lending risk analytics
- 5+ years leading analytics teams and aligning with strategic business goals
- Proficiency in SQL, SAS, and/or Python
This position plays an integral role in shaping the expansion of our clients auto finance business. It is a strategic blend of analytics leadership, business development, and cross-functional collaboration, heavily aligned with sales, risk, and technology teams. It's an ideal position for someone who can blend technical analytics, strategic planning, and leadership. You’ll be the key analytical partner to the Head of Auto Sales and help define and scale a growing dealer-focused business line.
Responsibilities
- Previous trck record in subprime consumer lending, fintech, payments, or another regulated financial services technology environment.
- Familiarity with credit decisioning, underwriting strategy, or fraud detection
- Experience working in a regulated financial services environment
- Exposure to A/B testing, experimentation frameworks, or champion/challenger strategies
Requirements:
- Bachelor’s in a quantitative field (Engineering, Statistics, Economics, Computer Science, or similar) - Master’s or PhD preferred.
- 8+ years in consumer lending risk analytics
- 5+ years leading analytics teams and aligning with strategic business goals
- Proficiency in SQL, SAS, and/or Python
Credit Risk Analyst Jobs by Experience Level
Top Cities Hiring Credit Risk Analysts
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Find Credit Risk Analyst JobsCredit Risk Analyst Job Market
Who's Hiring
- JPMorganChase38
- Citi6
- Valley Bank5
- State Street5
- Citizens4C
Top Industries Hiring
- Banking & Financial Services35
- Investment & Asset Management14
- Fintech6
- Technology & Software5
- Energy3
What Employers Look For
The qualifications that appear most often in credit risk analyst jobs.
- Bachelor's degree in finance, economics, mathematics, or a related quantitative field
- Proficiency in SQL and at least one statistical programming language such as Python, R, or SAS
- Experience building or validating credit scorecards, PD models, or loss forecasting models
- Knowledge of credit risk metrics including PD, LGD, EAD, and RAROC
- Familiarity with regulatory frameworks such as Basel III, CECL, or CCAR
- Professional certification such as FRM, CFA, or CRC preferred for mid-level and senior roles
Tips for Your Credit Risk Analyst Job Search
Quantify model performance on your resume
Credit risk hiring managers want to see outcomes, not just tools. List the models you built or maintained and add a concrete result, such as a reduction in default rate or improved Gini coefficient, to show you understand what your work produced.
List your software and data tools explicitly
Many applicant tracking systems screen for SAS, Python, SQL, or R before a human reads your resume. Name every tool you have used professionally in a dedicated skills section so your application clears the first filter.
Target openings by portfolio type
Consumer credit roles at retail banks, commercial lending roles at regional banks, and structured finance roles at investment firms each require different modeling experience. Filter your search by portfolio type, not just job title, to find openings that match what you have actually worked on.
Apply early to roles that fit
Migrate Mate lists credit risk analyst openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare a case study answer for the interview
Almost every credit risk analyst interview includes a scenario question asking you to assess a borrower or portfolio. Walk through a real analysis you ran, the variables you weighted, and the recommendation you made, so you have a structured answer ready before the call.
Negotiate using comparable role data
When you receive an offer, reference Bureau of Labor Statistics wage data for your metro area and portfolio type to frame your counter. Employers in this field expect candidates to understand data, so a well-sourced ask is treated more seriously than a round-number request.
Credit Risk Analyst Jobs: Frequently Asked Questions
Which companies are hiring the most credit risk analysts?
The companies hiring the most credit risk analysts right now include JPMorganChase, Citi, and Valley Bank, with the largest share of openings in New York, Texas, and California, based on current listings on Migrate Mate as of August 2026. Demand is concentrated in institutions with large consumer or commercial lending portfolios.
How many credit risk analyst jobs are remote?
About 51% of credit risk analyst openings are fully remote or hybrid as of August 2026, with remote availability highest in model validation, portfolio monitoring, and regulatory reporting roles. Roles that require direct client interaction or real-time trading desk support are more likely to require on-site presence.
How do you become a credit risk analyst?
Start with a quantitative undergraduate degree in finance, economics, statistics, or mathematics, then build working knowledge of SQL and at least one scripting language such as Python or R. Gain hands-on exposure through internships, entry-level roles in underwriting or financial analysis, or academic projects involving credit data. Earning the FRM or CFA designation strengthens your candidacy for mid-level and senior positions.
Can you get a credit risk analyst job with little experience?
Yes, entry-level credit risk analyst roles exist at regional banks, credit unions, and financial technology companies and often accept candidates with internship experience or a strong academic background in a quantitative discipline. Building a portfolio that demonstrates credit modeling, even through coursework or open datasets, helps offset limited professional history. Roles focused on consumer credit or small business lending tend to have lower experience thresholds than commercial or structured finance positions.
What does the credit risk analyst interview process look like?
Most credit risk analyst interviews move through a recruiter screen, a hiring manager conversation focused on your modeling experience, and a technical round that tests your knowledge of credit metrics, statistical methods, and relevant regulatory frameworks. Some employers add a take-home case study or a live Excel or Python exercise. Final rounds typically involve a panel with team members from risk, data, or finance.
Where can I find and apply to credit risk analyst jobs?
You can find and apply to credit risk analyst jobs on Migrate Mate, which lists current openings from across the United States. Search the listings to find roles that match your experience, portfolio type, and preferred location, then apply directly to each one that fits.
See All 183+ Credit Risk Analyst Jobs
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