Credit Risk Analyst Jobs in New York
Credit Risk Analyst jobs in New York represent one of the most active and competitive markets in the country, concentrated in banking, asset management, insurance, and fintech across Manhattan, Buffalo, and Albany. Major institutions with deep roots in the New York market, including JPMorgan Chase, Citigroup, and Goldman Sachs, maintain consistent demand at every level from junior analyst through senior credit officer. The most sought-after specialties in New York are commercial lending credit analysis, structured finance risk, and model validation. Find a role that fits below and apply directly.
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Showing 5 of 16+ Credit Risk Analyst jobs
Job Title: Credit Risk Analyst/Associate
Location: NYC (3-4 days in office; EST hours)
Compensation: $90,000 – $110,000 (depending on experience level) + bonus
What is Reach Financial?
Reach Financial is a FinTech platform helping people outsmart debt for good. We are building innovative products and best-in-class support that enable our customers to take control of their debt and de-mystify their personal finances. Our products and tools empower our customers to turn their financial goals into a reality. Reach Financial launched in 2015 and has helped our customers pay off over $1 billion in debt. We offer debt consolidation loans and personal loans; together, these markets represent a $1.5T opportunity. In time, we will expand beyond these products to offer solutions for a variety of our customers' personal finance challenges. We are a fast-growing and fast-paced FinTech startup with the stability of an established firm. You will have a front-row seat at a rapidly growing company innovating the FinTech industry.
About the Department:
Reach Financial’s Risk and Decision Science team consists of a group of Data Scientists and Analytics Professionals covering all the lending products. We are passionate about data and cutting-edge technology. Our goal is to leverage the data to drive the business growth agenda. The Risk and Decision Science team works cross-functionally with other business units to ideate, hypothesize, analyze and test, formalize, implement, maintain, and track progresses for all initiatives.
What You’ll Do:
- Perform data analysis across various marketing channels to optimize credit risk, origination volume and funnel conversion.
- Utilize statistical and segmentation tools to develop data driven business strategies for personal loan products, that balances volume and risk-return targets.
- Retrieve data and conduct data driven analytics from internal database and external vendor data, utilizing various analytical tools, software and techniques.
- Forecast delinquency and loss curves for consumer lending products.
- Develop processes and tools to track, analyze and report monthly portfolio performance of various acquisition channels & drive credit insights.
- Present the analyses, findings and recommendations to stakeholders across the organization.
- Execute on a wide range of analyses - descriptive measurement and reporting, dashboarding, ad hoc inquisitive problem solving and predictive forecasting.
- Help design experiments & A/B test different credit & marketing strategies, create data-backed recommendations to balance credit risk & volume to help make strategic business decision.
- Engage in model building and feature engineering exercises.
- Collaborate and work with cross functional team including data science, marketing, product and operations.
What You Should Have:
- Bachelor’s Degree in Mathematics, Statistics, Econometrics, Operation Research, Computer Science, or other quantitative fields.
- Proficient using Python to manipulate data and draw insights from large data set.
- Proficiency in SQL, Snowflake, Tableau is a plus.
- Skilled in Excel and PowerPoint.
- Good communication and presentation skills.
- Experience in data analytics or lending products is a plus.
- Experience in model training, deployment, and monitoring is a plus.
What is it like working at Reach Financial?
Our culture is built around advancing our teams, and we are dedicated to the success and growth of every team member. We believe in retaining a high-performing workforce and we prioritize diversity, intellectual curiosity, and continued learning. Our generous benefits packages reflect that. We’ve been hard at work perfecting our product for years, and now we’re growing faster than ever before. Our strong foundation and company culture is readily equipped for this growth, and we believe that with the right people, our products will continue to help customers make real changes in their financial lives.
What benefits will you receive?
- Healthcare, Life Insurance, 401k Match
- Paid Time Off, Paid 12-week Parental Leave
- Disability (short-term, long-term), Employee Assistance Program
- Spending Accounts (Transit/Parking, Medical, Dependent Care)
- Insurance Discounts (home, auto, pet)
Reach Financial is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, training, and apprenticeship. Reach Financial makes hiring decisions based solely on qualifications, merit, and business needs at the time.
Job Title: Credit Risk Analyst/Associate
Location: NYC (3-4 days in office; EST hours)
Compensation: $90,000 – $110,000 (depending on experience level) + bonus
What is Reach Financial?
Reach Financial is a FinTech platform helping people outsmart debt for good. We are building innovative products and best-in-class support that enable our customers to take control of their debt and de-mystify their personal finances. Our products and tools empower our customers to turn their financial goals into a reality. Reach Financial launched in 2015 and has helped our customers pay off over $1 billion in debt. We offer debt consolidation loans and personal loans; together, these markets represent a $1.5T opportunity. In time, we will expand beyond these products to offer solutions for a variety of our customers' personal finance challenges. We are a fast-growing and fast-paced FinTech startup with the stability of an established firm. You will have a front-row seat at a rapidly growing company innovating the FinTech industry.
About the Department:
Reach Financial’s Risk and Decision Science team consists of a group of Data Scientists and Analytics Professionals covering all the lending products. We are passionate about data and cutting-edge technology. Our goal is to leverage the data to drive the business growth agenda. The Risk and Decision Science team works cross-functionally with other business units to ideate, hypothesize, analyze and test, formalize, implement, maintain, and track progresses for all initiatives.
What You’ll Do:
- Perform data analysis across various marketing channels to optimize credit risk, origination volume and funnel conversion.
- Utilize statistical and segmentation tools to develop data driven business strategies for personal loan products, that balances volume and risk-return targets.
- Retrieve data and conduct data driven analytics from internal database and external vendor data, utilizing various analytical tools, software and techniques.
- Forecast delinquency and loss curves for consumer lending products.
- Develop processes and tools to track, analyze and report monthly portfolio performance of various acquisition channels & drive credit insights.
- Present the analyses, findings and recommendations to stakeholders across the organization.
- Execute on a wide range of analyses - descriptive measurement and reporting, dashboarding, ad hoc inquisitive problem solving and predictive forecasting.
- Help design experiments & A/B test different credit & marketing strategies, create data-backed recommendations to balance credit risk & volume to help make strategic business decision.
- Engage in model building and feature engineering exercises.
- Collaborate and work with cross functional team including data science, marketing, product and operations.
What You Should Have:
- Bachelor’s Degree in Mathematics, Statistics, Econometrics, Operation Research, Computer Science, or other quantitative fields.
- Proficient using Python to manipulate data and draw insights from large data set.
- Proficiency in SQL, Snowflake, Tableau is a plus.
- Skilled in Excel and PowerPoint.
- Good communication and presentation skills.
- Experience in data analytics or lending products is a plus.
- Experience in model training, deployment, and monitoring is a plus.
What is it like working at Reach Financial?
Our culture is built around advancing our teams, and we are dedicated to the success and growth of every team member. We believe in retaining a high-performing workforce and we prioritize diversity, intellectual curiosity, and continued learning. Our generous benefits packages reflect that. We’ve been hard at work perfecting our product for years, and now we’re growing faster than ever before. Our strong foundation and company culture is readily equipped for this growth, and we believe that with the right people, our products will continue to help customers make real changes in their financial lives.
What benefits will you receive?
- Healthcare, Life Insurance, 401k Match
- Paid Time Off, Paid 12-week Parental Leave
- Disability (short-term, long-term), Employee Assistance Program
- Spending Accounts (Transit/Parking, Medical, Dependent Care)
- Insurance Discounts (home, auto, pet)
Reach Financial is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, training, and apprenticeship. Reach Financial makes hiring decisions based solely on qualifications, merit, and business needs at the time.
See All 16 Credit Risk Analyst Jobs in New York
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Find Credit Risk Analyst JobsCredit Risk Analyst Jobs by City in New York
Where New York roles are concentrated, by current openings.
Credit Risk Analyst Job Market in New York
A snapshot from current New York openings, updated as new roles post.
Who's Hiring
- SMBC3
- Biz2Credit2
- Apollo Insurance Solutions Group LP1
- Blackstone1
- Citi1
Top Industries Hiring
- Banking & Financial Services10
- Investment & Asset Management4
- Construction & Real Estate1
- Law & Legal Services1
- Technology & Software1
What New York Employers Look For
The qualifications that appear most often in credit risk analyst jobs across New York.
- Bachelor's degree in finance, economics, or a related quantitative field required
- Professional certification such as CFA or FRM preferred by most New York employers
- Hands-on experience with credit analysis, underwriting, or financial statement modeling
- Proficiency in SQL, Python, or SAS for risk modeling and portfolio monitoring
- Familiarity with federal and New York state regulatory frameworks including Basel standards
- Strong written communication skills for credit memos and committee presentations
Credit Risk Analyst Jobs in New York: Frequently Asked Questions
How do you become a credit risk analyst in New York?
Most credit risk analysts in New York enter the field with a bachelor's degree in finance, economics, accounting, or a quantitative discipline. New York does not require a state-issued license for the role, but earning the CFA or FRM designation significantly strengthens a candidate's standing with New York's large financial institutions. Many analysts begin in commercial banking credit programs or financial analyst rotations at major New York banks before moving into dedicated risk roles.
How much do credit risk analysts make in New York?
Credit risk analysts in New York earn a median of about $133,270 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $76,730 for the lowest 10% to over $241,220 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire credit risk analysts in New York?
Employers hiring credit risk analysts in New York right now include SMBC, Biz2Credit, and Apollo Insurance Solutions Group LP, based on current listings on Migrate Mate as of June 2026. New York's concentration of global bank headquarters, insurance carriers, and asset managers means demand is spread across multiple sectors rather than a single industry.
Which New York cities have the most credit risk analyst jobs?
New York, New York City, and Tarrytown have the most credit risk analyst openings in New York. Manhattan dominates because it is home to the headquarters and major offices of the largest U.S. and global financial institutions, while Buffalo and Albany reflect regional banking activity and the presence of state government financial agencies that also carry credit risk functions.
Are there remote credit risk analyst jobs in New York?
Yes, and more than many comparable finance roles. About 38% of credit risk analyst openings tied to New York are remote or hybrid as of June 2026, reflecting the largely desk-based and analytical nature of the work. Model validation, portfolio monitoring, and reporting functions are the most commonly offered in remote or hybrid arrangements, while roles involving direct client underwriting or committee participation tend to require more in-office presence.
How can I get hired as a credit risk analyst in New York with little or no experience?
The most realistic entry path is through a formal credit analyst training program at a large New York bank, where recent graduates rotate through underwriting, portfolio review, and risk reporting before specializing. JPMorgan Chase, Citigroup, and regional banks operating in New York regularly run structured new-analyst programs for candidates without direct credit experience. A background in financial analysis, lending operations, or accounting provides a strong lateral entry point, and completing the FRM Part I exam signals credibility to hiring managers even before you have experience.
Where can I find and apply to credit risk analyst jobs in New York?
You can find and apply to credit risk analyst jobs in New York on Migrate Mate, which lists current openings across New York's major financial hubs and updates regularly. Find roles that fit your background and apply directly to each employer through the listings.
See All 16 Credit Risk Analyst Jobs in New York
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