Credit Risk Manager Jobs in Texas
Credit Risk Manager jobs in Texas are in strong demand, concentrated in banking and financial services, commercial lending, energy finance, and insurance, with openings at every level from analyst-track associates through senior directors and VPs of risk. Houston, Dallas, and San Antonio anchor most of the hiring, where institutions such as JPMorgan Chase, Wells Fargo, and Frost Bank maintain major operations and credit teams. Loan portfolio management, model validation, and regulatory compliance are the sub-areas drawing the most consistent interest from Texas employers. Find a role that fits below and apply directly.
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Showing 5 of 32+ Credit Risk Manager jobs
About this role:
Wells Fargo is seeking a Risk Analytics Director, Portfolio Insights & Committee Governance within the Consumer Banking & Lending (CBL) Chief Risk Officer (CRO) organization.
This senior leader will direct cross-consumer credit portfolio analysis and oversee a team responsible for recurring monitoring, benchmarking, and emerging risk identification. The role will also lead credit risk governance and committee activities, ensuring senior leaders receive timely, relevant, and decision-useful information on portfolio performance, emerging risks, and areas warranting increased focus. The Director will partner across Risk and business functions and serve as a trusted advisor to senior leadership.
In this role, you will:
- Assess cross-consumer credit performance, consumer financial health and behavior, emerging risks, marginal segment concentrations, and macroeconomic influences.
- Lead the development of portfolio insights and risk analytics that give senior leadership a comprehensive view of credit performance, trends, and emerging risks.
- Translate complex data, reporting, and risk information into clear, actionable insights and connect findings to broader business priorities.
- Continuously improve credit reporting and analytics to enhance the quality, clarity, and effectiveness of information provided to senior management.
- Lead credit risk committee governance, including development of materials that support effective discussion, challenge, escalation, and decision-making.
- Drive continuous improvements to credit governance frameworks, control standards, and processes to promote consistency, transparency, and accountability.
- Partner with leaders across Risk and business functions to understand portfolio developments and ensure key risk observations are appropriately represented and escalated.
- Lead cross-functional initiatives that strengthen credit insights, management reporting, and credit risk governance.
- Develop executive-level presentations and communicate complex risk matters effectively to senior leadership and governance forums.
- Exercise sound judgment in identifying risks that require senior management attention, escalation, or further analysis.
- Lead and develop a high-performing team, fostering analytical rigor, effective challenge, accountability, collaboration, and talent development.
- Serve as a trusted advisor to senior leadership on credit trends, emerging risks, and credit governance matters.
Required Qualifications:
- 10+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
- 4+ years of management or leadership experience
Desired Qualifications:
- Extensive hands-on experience in consumer lending and credit-risk; with direct product experience across Credit Card, Auto Lending and Home lending most desired
- Experience analyzing cross-product portfolios and customer segments, identifying emerging risks from internal and external indicators, and communicating findings and recommendations to senior management.
- Ability to work with large, complex datasets and develop analytics that address evolving stakeholder and senior leadership needs.
- Experience leading risk governance, committee, and executive reporting processes.
- Executive-level communication skills, including the ability to translate complex risk matters into clear, actionable recommendations for varied audiences.
- Demonstrated ability to influence stakeholders, build collaborative partnerships, and drive outcomes across multiple lines of business and organizational levels.
- Strong problem-solving, judgment, and decision-making skills, with the ability to turn findings into priorities and actions.
- Strong organizational and prioritization skills, with the ability to lead multiple complex and competing priorities.
- Proven people leadership, including setting direction, developing talent, establishing accountability, and guiding teams toward strategic business and risk objectives.
Job Expectations:
- Required location listed above.
- This position currently offers a hybrid work schedule.
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities. $185,000.00 - $300,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
- Health benefits
- 401(k) Plan
- Paid time off
- Disability benefits
- Life insurance, critical illness insurance, and accident insurance
- Parental leave
- Critical caregiving leave
- Discounts and savings
- Commuter benefits
- Tuition reimbursement
- Scholarships for dependent children
- Adoption reimbursement
Posting End Date:
3 Nov 2026- Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.
About this role:
Wells Fargo is seeking a Risk Analytics Director, Portfolio Insights & Committee Governance within the Consumer Banking & Lending (CBL) Chief Risk Officer (CRO) organization.
This senior leader will direct cross-consumer credit portfolio analysis and oversee a team responsible for recurring monitoring, benchmarking, and emerging risk identification. The role will also lead credit risk governance and committee activities, ensuring senior leaders receive timely, relevant, and decision-useful information on portfolio performance, emerging risks, and areas warranting increased focus. The Director will partner across Risk and business functions and serve as a trusted advisor to senior leadership.
In this role, you will:
- Assess cross-consumer credit performance, consumer financial health and behavior, emerging risks, marginal segment concentrations, and macroeconomic influences.
- Lead the development of portfolio insights and risk analytics that give senior leadership a comprehensive view of credit performance, trends, and emerging risks.
- Translate complex data, reporting, and risk information into clear, actionable insights and connect findings to broader business priorities.
- Continuously improve credit reporting and analytics to enhance the quality, clarity, and effectiveness of information provided to senior management.
- Lead credit risk committee governance, including development of materials that support effective discussion, challenge, escalation, and decision-making.
- Drive continuous improvements to credit governance frameworks, control standards, and processes to promote consistency, transparency, and accountability.
- Partner with leaders across Risk and business functions to understand portfolio developments and ensure key risk observations are appropriately represented and escalated.
- Lead cross-functional initiatives that strengthen credit insights, management reporting, and credit risk governance.
- Develop executive-level presentations and communicate complex risk matters effectively to senior leadership and governance forums.
- Exercise sound judgment in identifying risks that require senior management attention, escalation, or further analysis.
- Lead and develop a high-performing team, fostering analytical rigor, effective challenge, accountability, collaboration, and talent development.
- Serve as a trusted advisor to senior leadership on credit trends, emerging risks, and credit governance matters.
Required Qualifications:
- 10+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
- 4+ years of management or leadership experience
Desired Qualifications:
- Extensive hands-on experience in consumer lending and credit-risk; with direct product experience across Credit Card, Auto Lending and Home lending most desired
- Experience analyzing cross-product portfolios and customer segments, identifying emerging risks from internal and external indicators, and communicating findings and recommendations to senior management.
- Ability to work with large, complex datasets and develop analytics that address evolving stakeholder and senior leadership needs.
- Experience leading risk governance, committee, and executive reporting processes.
- Executive-level communication skills, including the ability to translate complex risk matters into clear, actionable recommendations for varied audiences.
- Demonstrated ability to influence stakeholders, build collaborative partnerships, and drive outcomes across multiple lines of business and organizational levels.
- Strong problem-solving, judgment, and decision-making skills, with the ability to turn findings into priorities and actions.
- Strong organizational and prioritization skills, with the ability to lead multiple complex and competing priorities.
- Proven people leadership, including setting direction, developing talent, establishing accountability, and guiding teams toward strategic business and risk objectives.
Job Expectations:
- Required location listed above.
- This position currently offers a hybrid work schedule.
Pay Range
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities. $185,000.00 - $300,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.
- Health benefits
- 401(k) Plan
- Paid time off
- Disability benefits
- Life insurance, critical illness insurance, and accident insurance
- Parental leave
- Critical caregiving leave
- Discounts and savings
- Commuter benefits
- Tuition reimbursement
- Scholarships for dependent children
- Adoption reimbursement
Posting End Date:
3 Nov 2026- Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.
See All 32 Credit Risk Manager Jobs in Texas
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Find Credit Risk Manager JobsCredit Risk Manager Jobs by City in Texas
Where Texas roles are concentrated, by current openings.
Credit Risk Manager Job Market in Texas
A snapshot from current Texas openings, updated as new roles post.
Who's Hiring
- JPMorganChase10
- USAA4
- T-Mobile3
- ALTRUIST2
- Goldman Sachs2
Top Industries Hiring
- Telecommunications
- Banking & Financial Services
- Investment & Asset Management
What Texas Employers Look For
The qualifications that appear most often in credit risk manager jobs across Texas.
- Bachelor's degree in finance, economics, accounting, or a related quantitative field required
- Professional certification such as FRM, CFA, or CRC strongly preferred by Texas employers
- Three or more years of credit analysis, underwriting, or risk assessment experience expected
- Proficiency in SQL, SAS, Python, or similar tools for portfolio data analysis and modeling
- Demonstrated knowledge of federal and state banking regulations including OCC and FDIC guidelines
- Strong written communication skills for presenting risk findings to senior leadership and committees
Credit Risk Manager Jobs in Texas: Frequently Asked Questions
How do you become a credit risk manager in Texas?
Most credit risk managers in Texas start with a bachelor's degree in finance, economics, or accounting, then build several years of experience in credit analysis or underwriting before moving into management. Texas does not require a state-issued license for this role, but earning a globally recognized credential such as the Financial Risk Manager designation or the Chartered Financial Analyst charter significantly strengthens candidacy. Large Texas banks and financial institutions generally promote from within their credit analyst pipelines.
How much do credit risk managers make in Texas?
Credit risk managers in Texas earn a median of about $103,760 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $64,250 for the lowest 10% to over $159,220 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire credit risk managers in Texas?
Employers hiring credit risk managers in Texas right now include JPMorganChase, USAA, and T-Mobile, based on current listings on Migrate Mate as of November 2026. Texas's concentration of major bank regional headquarters, energy-sector lenders, and large insurance carriers creates consistent demand for experienced credit risk professionals across the state.
Which Texas cities have the most credit risk manager jobs?
Plano, Houston, and Dallas have the most credit risk manager openings in Texas. Houston leads because of its dense concentration of energy-finance lenders, commercial banks, and global financial institutions, while Dallas draws hiring through its large corporate headquarters base and regional bank operations, and San Antonio benefits from the strong presence of Frost Bank and USAA's financial services divisions.
Are there remote credit risk manager jobs in Texas?
Yes, and more than most finance roles, since credit risk work is primarily analytical and desk-based. About 60% of credit risk manager openings tied to Texas are remote or hybrid as of November 2026, reflecting broader flexibility in risk and compliance functions. Portfolio monitoring, model review, and policy development are the sub-functions most commonly offered on a remote basis, while roles requiring direct client or committee interaction tend to stay on-site.
How can I get hired as a credit risk manager in Texas with little or no experience?
The most realistic entry path is landing a credit analyst or junior underwriter role at a Texas bank or credit union, which directly feeds into risk management tracks. Large Texas employers such as Frost Bank, JPMorgan Chase's Houston and Dallas operations, and regional community banks regularly hire credit analyst associates as entry-level pipeline roles. Pursuing an FRM or CFA Level I while working demonstrates commitment and accelerates promotion, and familiarity with commercial loan software or risk modeling tools provides a concrete edge over other candidates without prior management experience.
Where can I find and apply to credit risk manager jobs in Texas?
You can find and apply to credit risk manager jobs in Texas on Migrate Mate, which lists current Texas openings updated regularly. Find the roles that fit your experience and apply directly to each one.
See All 32 Credit Risk Manager Jobs in Texas
Find roles in Texas that match your experience and apply in just a few clicks.
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