Credit Risk Associate Jobs
Credit Risk Associate jobs are open across banking, fintech, insurance, and asset management, from analyst-level to senior associate, with specializations in consumer credit, commercial lending, and portfolio risk modeling. Find a role that fits below and apply directly.
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Showing 5 of 207+ Credit Risk Associate jobs
Be part of an amazing story.
Macy’s is more than just a store. We’re a story. One that’s captured the hearts and minds of America for more than 160 years. A story about innovations and traditions…about inspiring stores and irresistible products…about the excitement of the Macy’s 4th of July Fireworks, and the wonder of the Thanksgiving Day Parade. We’ve been part of memorable moments and milestones for countless customers and colleagues. Those stories are part of what makes this such a special place to work.
Job Overview
The Senior Director, Credit Finance Risk & Growth leads credit risk strategy, credit and loyalty analytics, and FP&A for on-us sales, off-us sales, acquisitions, and new accounts across Macy’s and Bloomingdale’s private label and American Express portfolios. In collaboration with Macy’s and Citi partners, the role optimizes underwriting, credit policy, account management, card usage, acquisition, engagement, and purchase frequency. The role translates complex risk, financial, and analytical insights into recommendations, develops a high-performing team, and drives cross-functional accountability to deliver sustainable, profitable growth.
What You Will Do
Credit Risk Management
Lead credit risk strategy for Macy’s and Bloomingdale’s private label and American Express portfolios, balancing prudent risk management with growth.
Partner with Citi to optimize underwriting, credit policy, and account management strategies across new and existing cardholders.
Monitor credit quality, delinquencies, NCL trends to identify emerging risks and opportunities.
Translate risk and financial insights into clear recommendations for senior leadership.
Credit, Loyalty Analytics and Growth
Develop and execute credit growth strategies with Retail, Digital, Loyalty, MCCS, and Citi.
Drive on-us and off-us card usage, account acquisition, cardholder engagement, and purchase frequency.
Lead FP&A for on-us sales, off-us sales, acquisitions, and new accounts.
Analyze performance and measure the incremental sales and financial impact of credit and loyalty initiatives.
Leadership and Business Partnership
Serve as a strategic finance and risk partner to senior leaders across Macy’s and Citi.
Lead and develop a high-performing team across risk analysis, financial planning, and growth strategy.
Translate complex risk, financial, and analytical insights into clear executive recommendations.
Drive cross-functional accountability against clear objectives and performance measures to deliver sustainable, profitable growth.
Skills You Will Need
Strategic Business Partnering: Ability to partner with Citibank, and senior leaders to shape risk and growth strategies, influence decisions, and drive measurable performance improvements.
Financial Planning, Budgeting & Forecasting: Proven capability to lead annual budget cycles and ongoing forecasts, identify risks and opportunities, and deliver variance analysis with clear corrective actions.
Financial Modeling & Decision Support: Strong skill in building financial models, scenario analyses, and decision frameworks that align Credit Business initiatives to enterprise goals and ROI outcomes.
Business Acumen: Understands how Credit risk and growth strategies drive customer engagement, credit card revenue, and connect to Macy’s Inc. performance.
Executive Communication & Influence: Ability to communicate with clarity and confidence across all levels, present complex financial insights in a decision-ready way, and influence outcomes in a complex matrix environment.
Trusted Leadership & Collaboration: Demonstrated ability to build credibility and trust with senior stakeholders through objective counsel, strong relationship management, and consistent follow-through.
Ethics, Integrity & Sound Judgment: Unyielding ethics and personal integrity, with strong judgment and the ability to set the right tone for teams and stakeholders.
Problem Solving & Agility: Ability to connect the dots quickly, diagnose issues early, and recommend practical solutions as business conditions change.
People & Talent Leadership: Demonstrated ability to lead, coach, and develop teams; motivate and retain high-performing talent; and build bench strength for critical finance capabilities.
Who You Are
Candidates with a bachelor’s degree or equivalent work experience in a related field are encouraged to apply. MBA preferred.
10-plus years of related finance and/or risk management experience required, preferably with a department store retailer or partner bank.
- This role involves performing essential job functions such as communication, collaboration, and use of office and computer systems. Responsibilities include the ability to access and review written and electronic information, and to move within the work environment and interact with workplace materials as needed to carry out job responsibilities.
Able to work a flexible schedule based on department and company needs.
What We Can Offer You
Join a team where work is as rewarding as it is fun! We offer a dynamic, inclusive environment with competitive pay and benefits. Enjoy comprehensive health and wellness coverage and a 401(k) match to invest in your future. Prioritize your well-being with paid time off and eight paid holidays. Grow your career with continuous learning and leadership development. Plus, build community by joining one of our Colleague Resource Groups and make a difference through our volunteer opportunities.
Some additional benefits we offer include:
Merchandise discounts
Performance-based incentives
Annual merit review
Employee Assistance Program with mental health counseling and legal/financial advice
Tuition reimbursement
Access the full menu of benefits offerings here.
About Us
This is a great time to join Macy’s! Whether you’re helping a customer find the perfect gift, streamlining operations in one of our distribution centers, enhancing our online shopping experience, buying in-style and on-trend merchandise to outfit our customers, or designing a balloon for the Thanksgiving Day Parade, we offer unique opportunities to be part of some of the most memorable moments in people’s lives.
Join us and help write the next chapter in our story - apply today!
This job description is not all-inclusive. Macy's, Inc. reserves the right to amend this job description at any time. Macy's, Inc. is an Equal Opportunity Employer, committed to a diverse and inclusive work environment.
FINANCE00
This position may be eligible for performance-based incentives/bonuses. Benefits include 401k, medical/vision/dental/life/disability insurance options, PTO accruals, Holidays, and more. Eligibility requirements may apply based on location, job level, classification, and length of employment. Additional benefit details are available at macysJOBS.com.
Be part of an amazing story.
Macy’s is more than just a store. We’re a story. One that’s captured the hearts and minds of America for more than 160 years. A story about innovations and traditions…about inspiring stores and irresistible products…about the excitement of the Macy’s 4th of July Fireworks, and the wonder of the Thanksgiving Day Parade. We’ve been part of memorable moments and milestones for countless customers and colleagues. Those stories are part of what makes this such a special place to work.
Job Overview
The Senior Director, Credit Finance Risk & Growth leads credit risk strategy, credit and loyalty analytics, and FP&A for on-us sales, off-us sales, acquisitions, and new accounts across Macy’s and Bloomingdale’s private label and American Express portfolios. In collaboration with Macy’s and Citi partners, the role optimizes underwriting, credit policy, account management, card usage, acquisition, engagement, and purchase frequency. The role translates complex risk, financial, and analytical insights into recommendations, develops a high-performing team, and drives cross-functional accountability to deliver sustainable, profitable growth.
What You Will Do
Credit Risk Management
Lead credit risk strategy for Macy’s and Bloomingdale’s private label and American Express portfolios, balancing prudent risk management with growth.
Partner with Citi to optimize underwriting, credit policy, and account management strategies across new and existing cardholders.
Monitor credit quality, delinquencies, NCL trends to identify emerging risks and opportunities.
Translate risk and financial insights into clear recommendations for senior leadership.
Credit, Loyalty Analytics and Growth
Develop and execute credit growth strategies with Retail, Digital, Loyalty, MCCS, and Citi.
Drive on-us and off-us card usage, account acquisition, cardholder engagement, and purchase frequency.
Lead FP&A for on-us sales, off-us sales, acquisitions, and new accounts.
Analyze performance and measure the incremental sales and financial impact of credit and loyalty initiatives.
Leadership and Business Partnership
Serve as a strategic finance and risk partner to senior leaders across Macy’s and Citi.
Lead and develop a high-performing team across risk analysis, financial planning, and growth strategy.
Translate complex risk, financial, and analytical insights into clear executive recommendations.
Drive cross-functional accountability against clear objectives and performance measures to deliver sustainable, profitable growth.
Skills You Will Need
Strategic Business Partnering: Ability to partner with Citibank, and senior leaders to shape risk and growth strategies, influence decisions, and drive measurable performance improvements.
Financial Planning, Budgeting & Forecasting: Proven capability to lead annual budget cycles and ongoing forecasts, identify risks and opportunities, and deliver variance analysis with clear corrective actions.
Financial Modeling & Decision Support: Strong skill in building financial models, scenario analyses, and decision frameworks that align Credit Business initiatives to enterprise goals and ROI outcomes.
Business Acumen: Understands how Credit risk and growth strategies drive customer engagement, credit card revenue, and connect to Macy’s Inc. performance.
Executive Communication & Influence: Ability to communicate with clarity and confidence across all levels, present complex financial insights in a decision-ready way, and influence outcomes in a complex matrix environment.
Trusted Leadership & Collaboration: Demonstrated ability to build credibility and trust with senior stakeholders through objective counsel, strong relationship management, and consistent follow-through.
Ethics, Integrity & Sound Judgment: Unyielding ethics and personal integrity, with strong judgment and the ability to set the right tone for teams and stakeholders.
Problem Solving & Agility: Ability to connect the dots quickly, diagnose issues early, and recommend practical solutions as business conditions change.
People & Talent Leadership: Demonstrated ability to lead, coach, and develop teams; motivate and retain high-performing talent; and build bench strength for critical finance capabilities.
Who You Are
Candidates with a bachelor’s degree or equivalent work experience in a related field are encouraged to apply. MBA preferred.
10-plus years of related finance and/or risk management experience required, preferably with a department store retailer or partner bank.
- This role involves performing essential job functions such as communication, collaboration, and use of office and computer systems. Responsibilities include the ability to access and review written and electronic information, and to move within the work environment and interact with workplace materials as needed to carry out job responsibilities.
Able to work a flexible schedule based on department and company needs.
What We Can Offer You
Join a team where work is as rewarding as it is fun! We offer a dynamic, inclusive environment with competitive pay and benefits. Enjoy comprehensive health and wellness coverage and a 401(k) match to invest in your future. Prioritize your well-being with paid time off and eight paid holidays. Grow your career with continuous learning and leadership development. Plus, build community by joining one of our Colleague Resource Groups and make a difference through our volunteer opportunities.
Some additional benefits we offer include:
Merchandise discounts
Performance-based incentives
Annual merit review
Employee Assistance Program with mental health counseling and legal/financial advice
Tuition reimbursement
Access the full menu of benefits offerings here.
About Us
This is a great time to join Macy’s! Whether you’re helping a customer find the perfect gift, streamlining operations in one of our distribution centers, enhancing our online shopping experience, buying in-style and on-trend merchandise to outfit our customers, or designing a balloon for the Thanksgiving Day Parade, we offer unique opportunities to be part of some of the most memorable moments in people’s lives.
Join us and help write the next chapter in our story - apply today!
This job description is not all-inclusive. Macy's, Inc. reserves the right to amend this job description at any time. Macy's, Inc. is an Equal Opportunity Employer, committed to a diverse and inclusive work environment.
FINANCE00
This position may be eligible for performance-based incentives/bonuses. Benefits include 401k, medical/vision/dental/life/disability insurance options, PTO accruals, Holidays, and more. Eligibility requirements may apply based on location, job level, classification, and length of employment. Additional benefit details are available at macysJOBS.com.
Credit Risk Associate Jobs by Experience Level
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Find Credit Risk Associate JobsCredit Risk Associate Job Market
Who's Hiring
- JPMorganChase37
- Valley Bank10
- Intuit8
- KeyBank4
- Airwallex4
Top Industries Hiring
- Banking & Financial Services15
- Investment & Asset Management6
- Fintech3
- Telecommunications1
- Accounting & Auditing1
What Employers Look For
The qualifications that appear most often in credit risk associate jobs.
- Bachelor's degree in finance, economics, mathematics, statistics, 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 risk models including scorecards, PD, LGD, or EAD models
- Familiarity with regulatory frameworks such as Basel III, CECL, or Dodd-Frank stress testing requirements
- Strong written and verbal communication skills for presenting risk findings to non-technical stakeholders
- Professional certifications such as FRM, CFA, or CRC are frequently preferred for mid-level and senior openings
Tips for Your Credit Risk Associate Job Search
Tailor your resume to credit models
Hiring managers for credit risk associate roles scan for specific modeling tools and frameworks. Call out your experience with probability of default models, loss given default, or scorecard development by name rather than listing generic 'quantitative analysis' skills.
Highlight your regulatory literacy early
Credit risk associates work inside regulatory frameworks like Basel III, CECL, and stress testing requirements. If you've prepared materials for a model validation or audit, say so explicitly on your resume. Reviewers notice candidates who understand oversight, not just modeling.
Apply early to roles that fit
Migrate Mate lists credit risk associate openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target job descriptions that name your data tools
Credit risk teams vary widely in their tech stack. Some use SAS or Moody's Analytics, others rely on Python and SQL pipelines. Filter openings by the tools you know best so your application speaks directly to what that team needs from day one.
Prepare a case-style answer for credit decisions
Interviewers at banks and fintechs frequently ask you to walk through a past credit decision or model outcome. Structure your answer around the data inputs you used, the risk signal you identified, and the recommendation you made, keeping the business impact concrete.
Negotiate using total compensation, not base alone
Credit risk associate offers often include performance bonuses tied to portfolio metrics or model accuracy targets. Before accepting, ask the recruiter how the bonus structure works and what percentage of associates hit their target payout in a typical year.
Credit Risk Associate Jobs: Frequently Asked Questions
Which companies are hiring the most credit risk associates?
The companies hiring the most credit risk associates right now include JPMorganChase, Valley Bank, and Intuit, with the largest share of openings in New York, Texas, and California, based on current listings on Migrate Mate as of November 2026. Demand is highest at large commercial banks, card issuers, and consumer fintech lenders managing high-volume retail portfolios.
How many credit risk associate jobs are remote?
About 73% of credit risk associate openings are fully remote or hybrid as of November 2026, with remote availability concentrated in model development, data analytics, and policy roles rather than front-line underwriting or relationship-facing credit positions, which tend to require in-office presence more consistently.
How do you become a credit risk associate?
Start with a quantitative undergraduate degree in finance, economics, statistics, or mathematics, then build hands-on experience with credit data through internships, research projects, or entry-level analyst roles. Develop proficiency in SQL and Python for data work, study core credit risk concepts like expected loss frameworks and scorecard design, and earn a credential such as the FRM or CFA to sharpen your technical credibility with hiring teams.
Can you get a credit risk associate role with little experience?
Yes, entry-level credit risk associate roles exist, particularly at fintechs, credit unions, and community banks that invest in training. Candidates with strong quantitative coursework, a capstone project involving loan data or default modeling, or an internship in credit analysis, underwriting, or risk reporting are competitive even without full-time experience in the field.
What does the credit risk associate interview process look like?
Most credit risk associate interviews run two to four rounds. The first is typically a recruiter screen covering your background and modeling experience. A technical round follows, where you may be asked to walk through a past credit model, interpret a dataset, or solve a case involving a credit decision. Final rounds usually include a behavioral interview with the hiring manager and a conversation with senior risk or finance leadership.
Where can I find and apply to credit risk associate jobs?
You can find and apply to credit risk associate jobs on Migrate Mate, which lists current openings from across the United States. Find roles that match your background and apply directly to each listing without being redirected across multiple sites.
See All 207+ Credit Risk Associate Jobs
Find roles that match your experience and apply in just a few clicks.
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