Mid Level Credit Risk Analyst Jobs
Mid level credit risk analyst jobs go to professionals ready to own credit models, mentor junior analysts, and drive portfolio-level decisions with limited oversight. Roles are 29% remote or hybrid, concentrated in Banking & Financial Services, Investment & Asset Management, and Energy, with employers like Stripe, Valley Bank, and JPMorganChase hiring at this level now.
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Showing 5 of 20+ Mid Level Credit Risk Analyst jobs
At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.
Job Description
U.S. Bank is hiring a responsible, hard-working Risk Management professional skilled in SAS/SQL, data analysis, and reporting tools to manage small business credit card credit risks through underwriting strategies for the Small Business credit card Risk Strategy team.
Position Highlights
- Responsible for underwriting strategies for the Small Business Credit Card portfolio. Analyze large amount of historical data to identify risk mitigation and growth opportunities through data-driven underwriting strategy improvements. Develop tools, segmentations, and strategies to optimize financial impact of these programs. Forecast the strategy’s financial impact and track actual against forecast
- Clearly and timely communicate strategy changes and financial impact to partners and senior leaders
- Query large datasets using tools such as Python, SAS EG or SQL Plus, performing segmentation and decision tree analysis. Identify patterns through large credit card financial data
- Work with consumer and commercial bureaus to improve data sources and tool for strategy improvement
- Work closely with other areas of the organization such as system
- Review accounts in the decisioning systems to validate accuracy of strategy execution and stability of key drivers
- Monitor portfolio performance trends and loss patterns and identify strategy improvement opportunities in a timely manner
- Work as a liaison between Compliance, Risk, Data Warehouse teams to keep data organized. Become a data expert for the Small Business team and build reports, data inventory, and analysis that help make data-driven decisions
- Utilize reporting tools such as Power BI to create and automate timely and accurate tracking and reports for senior management. Summarize findings from the reports to deliver clear messages about strategy improvement opportunities
Basic Qualifications
- Bachelor's degree or equivalent work experience
- Five to seven years of related experience
Preferred Skills and Experience
- Bachelor's degree or equivalent work experience, with emphasis in computer science, business, analytics, statistics, data science or equivalent work experience
- Candidates with two plus years of relevant experience in credit card risk management functions are encouraged to apply
- In-depth understanding of the Risk Management function in credit card risk management with a focus on line management
- Strong analytical skills and ability to analyze models, tools, trends, and patterns
- Expertise with any of these tool - Python, SAS, SAS EG or SQL plus to pull large amounts of data
- Expertise with Microsoft suites and productivity tools, especially with Excel and PowerPoint
- Expertise with Power BI is a plus
- Strong process facilitation, project management, analytical, and presentation skills
- Experience working with small business credit card portfolio preferred
Hybrid/flexible schedule
The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.
If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits:
Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:
- Healthcare (medical, dental, vision)
- Basic term and optional term life insurance
- Short-term and long-term disability
- Pregnancy disability and parental leave
- 401(k) and employer-funded retirement plan
- Paid vacation (from two to five weeks depending on salary grade and tenure)
- Up to 11 paid holiday opportunities
- Adoption assistance
- Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Review our full benefits available by employment status here.
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $105,400.00 - $124,000.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.
At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.
Job Description
U.S. Bank is hiring a responsible, hard-working Risk Management professional skilled in SAS/SQL, data analysis, and reporting tools to manage small business credit card credit risks through underwriting strategies for the Small Business credit card Risk Strategy team.
Position Highlights
- Responsible for underwriting strategies for the Small Business Credit Card portfolio. Analyze large amount of historical data to identify risk mitigation and growth opportunities through data-driven underwriting strategy improvements. Develop tools, segmentations, and strategies to optimize financial impact of these programs. Forecast the strategy’s financial impact and track actual against forecast
- Clearly and timely communicate strategy changes and financial impact to partners and senior leaders
- Query large datasets using tools such as Python, SAS EG or SQL Plus, performing segmentation and decision tree analysis. Identify patterns through large credit card financial data
- Work with consumer and commercial bureaus to improve data sources and tool for strategy improvement
- Work closely with other areas of the organization such as system
- Review accounts in the decisioning systems to validate accuracy of strategy execution and stability of key drivers
- Monitor portfolio performance trends and loss patterns and identify strategy improvement opportunities in a timely manner
- Work as a liaison between Compliance, Risk, Data Warehouse teams to keep data organized. Become a data expert for the Small Business team and build reports, data inventory, and analysis that help make data-driven decisions
- Utilize reporting tools such as Power BI to create and automate timely and accurate tracking and reports for senior management. Summarize findings from the reports to deliver clear messages about strategy improvement opportunities
Basic Qualifications
- Bachelor's degree or equivalent work experience
- Five to seven years of related experience
Preferred Skills and Experience
- Bachelor's degree or equivalent work experience, with emphasis in computer science, business, analytics, statistics, data science or equivalent work experience
- Candidates with two plus years of relevant experience in credit card risk management functions are encouraged to apply
- In-depth understanding of the Risk Management function in credit card risk management with a focus on line management
- Strong analytical skills and ability to analyze models, tools, trends, and patterns
- Expertise with any of these tool - Python, SAS, SAS EG or SQL plus to pull large amounts of data
- Expertise with Microsoft suites and productivity tools, especially with Excel and PowerPoint
- Expertise with Power BI is a plus
- Strong process facilitation, project management, analytical, and presentation skills
- Experience working with small business credit card portfolio preferred
Hybrid/flexible schedule
The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.
If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
Benefits:
Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:
- Healthcare (medical, dental, vision)
- Basic term and optional term life insurance
- Short-term and long-term disability
- Pregnancy disability and parental leave
- 401(k) and employer-funded retirement plan
- Paid vacation (from two to five weeks depending on salary grade and tenure)
- Up to 11 paid holiday opportunities
- Adoption assistance
- Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Review our full benefits available by employment status here.
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $105,400.00 - $124,000.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.
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Find JobsMid Level Credit Risk Analyst Job Market
Who's Hiring
Top Industries Hiring
- Banking & Financial Services11
- Investment & Asset Management5
- Energy2
- Fintech2
- Accounting & Auditing1
Mid Level Credit Risk Analyst Jobs: Frequently Asked Questions
How do I get a mid level credit risk analyst job?
Position your experience around ownership and measurable impact. Highlight credit models you built or maintained independently, portfolio segments you monitored, and risk recommendations that influenced decisions. Applications stand out when they show progression from executing tasks to owning analysis end to end. Tailor your resume to the specific credit product each employer focuses on, whether commercial lending, consumer credit, or structured finance.
Which companies hire mid level credit risk analysts?
Companies hiring mid level credit risk analysts right now include Stripe, Valley Bank, and JPMorganChase, based on current listings on Migrate Mate as of August 2026. Hiring at this level covers large banks and regional lenders, fintech platforms, insurance carriers, and credit-focused asset managers, all of which need analysts who can work with limited oversight on real portfolio risk.
Are there remote mid level credit risk analyst jobs?
Yes, remote and hybrid options are widely available at this level. About 29% of mid level credit risk analyst openings are remote or hybrid as of August 2026, reflecting how readily risk modeling and data analysis work translates to distributed teams. On-site roles still exist at firms with strict data governance or regulatory requirements.
How do I move up to a mid level credit risk analyst role?
Reaching mid level means building demonstrated depth in credit analysis over your first few years. Focus on owning discrete projects rather than supporting them, developing proficiency in statistical modeling tools like Python, R, or SAS, and documenting measurable outcomes such as improved model accuracy or reduced portfolio losses. Taking on mentorship of peers and proactively contributing to risk policy discussions signals readiness for a mid level title.
Which industries hire the most mid level credit risk analysts?
Mid Level credit risk analyst roles concentrate in Banking & Financial Services, Investment & Asset Management, and Energy, based on current listings on Migrate Mate as of August 2026. These sectors drive hiring at this level because they carry large, complex credit portfolios that require experienced analysts who can independently assess risk exposure and contribute to underwriting or model governance without close supervision.