Green Card Credit Risk Manager Jobs
Credit Risk Manager roles qualify for EB-2 and EB-3 green card sponsorship through PERM labor certification, which requires your employer to document that no equally qualified U.S. worker is available. Banks, financial services firms, and fintech companies routinely sponsor foreign professionals in this role, making it a strong fit for employment-based permanent residency.
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Get Access To All JobsAbout Upstart
At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.
If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.
The Team:
Upstart's Responsible AI Lending team is responsible for ensuring the safety and soundness of underwriting across Upstart Bank's lending portfolio. The team monitors portfolio performance, evaluates emerging risks, and establishes governance frameworks that support responsible growth while meeting regulatory expectations.
As the Credit Risk Oversight Manager at Upstart, you will serve as the primary owner of 2LOD Credit Risk oversight monitoring and policies. You will be responsible for establishing the capability and leading credit portfolio monitoring and risk oversight across consumer lending products. You will build the frameworks, dashboards, and processes that enable leadership, committees, and the board to understand portfolio performance, identify emerging risks both internal and external, and make informed decisions while supporting continued innovation of AI-driven underwriting.
How you’ll make an impact
- Develop and maintain credit risk monitoring frameworks that assess portfolio performance relative to business plans, policy limits, and stress scenarios.
- Establish key risk indicators, thresholds, and early warning signals that identify emerging credit risks across evolving underwriting models and changing economic conditions.
- Provide credible challenge to 1LOD model development, treasury, credit strategy, and product leaders by using portfolio insights to assess whether performance remains aligned with risk appetite, policy expectations, and business plans.
- Partner with Machine Learning, Product, Risk, and Bank leadership teams to evaluate portfolio performance and recommend actions when risk metrics deviate from expectations.
- Partner with peers in Model Risk Management and Fair Lending on second line teams.
- Prepare and present portfolio risk analyses, monitoring results, and recommendations to senior leadership, governance committees, and other stakeholders.
- Design and implement governance processes, reporting routines, and operating mechanisms that support regulatory expectations and effective risk oversight.
- Provide independent challenge and oversight of credit policies, underwriting performance, and risk management practices while balancing innovation and prudent risk management.
Minimum Qualifications
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business, or a related quantitative field (or equivalent practical experience).
- 7+ years of experience in consumer credit risk management, portfolio analytics, or credit risk oversight.
- Experience analyzing credit performance across the consumer lending lifecycle, including acquisition, underwriting, portfolio management, and repayment outcomes.
- Experience using data analysis tools such as SQL, Python, R, or similar analytical platforms to evaluate portfolio performance and risk trends.
- Experience communicating quantitative analyses and risk assessments to senior business leaders through written reports and presentations.
Preferred Qualifications
- 10+ years experience in consumer credit risk management across multiple asset categories.
- Knowledge of machine learning concepts and their application within consumer lending or credit underwriting environments.
- Experience developing credit risk monitoring frameworks, risk appetite metrics, or portfolio governance processes.
- Knowledge of banking regulatory requirements and supervisory expectations related to consumer credit risk management.
- Experience conducting portfolio stress testing, scenario analysis, or sensitivity analysis.
- Ability to influence cross-functional stakeholders and build alignment across risk, product, analytics, and executive leadership teams.
Position location: Remote (United States)
Time zone requirements The team operates on the East/West coast time zones.
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
United States | Remote - Anticipated Base Salary Range
$145,300—$231,300 USD
What you'll love
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
- Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada).
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only).
- Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
- Health Savings Account contributions from Upstart for eligible plans (US only).
- Income protection benefits, including life insurance and disability coverage for added financial security.
- Paid time off, sick leave, and company holidays, in line with local requirements.
- Paid family and parental leave to support caregiving and major life moments (duration varies by country).
- Family-centered benefits to support fertility, parenthood, and caregiving needs.
- Employee Assistance Program (EAP) offering mental health support and life-centered resources.
- Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only).
- Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you.
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from.
- Connection and community through team events, all-company updates, and employee resource groups (ERGs).
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).
For roles based in Canada, please note that we are not currently able to hire in Quebec.
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com.
About Upstart
At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.
If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.
The Team:
Upstart's Responsible AI Lending team is responsible for ensuring the safety and soundness of underwriting across Upstart Bank's lending portfolio. The team monitors portfolio performance, evaluates emerging risks, and establishes governance frameworks that support responsible growth while meeting regulatory expectations.
As the Credit Risk Oversight Manager at Upstart, you will serve as the primary owner of 2LOD Credit Risk oversight monitoring and policies. You will be responsible for establishing the capability and leading credit portfolio monitoring and risk oversight across consumer lending products. You will build the frameworks, dashboards, and processes that enable leadership, committees, and the board to understand portfolio performance, identify emerging risks both internal and external, and make informed decisions while supporting continued innovation of AI-driven underwriting.
How you’ll make an impact
- Develop and maintain credit risk monitoring frameworks that assess portfolio performance relative to business plans, policy limits, and stress scenarios.
- Establish key risk indicators, thresholds, and early warning signals that identify emerging credit risks across evolving underwriting models and changing economic conditions.
- Provide credible challenge to 1LOD model development, treasury, credit strategy, and product leaders by using portfolio insights to assess whether performance remains aligned with risk appetite, policy expectations, and business plans.
- Partner with Machine Learning, Product, Risk, and Bank leadership teams to evaluate portfolio performance and recommend actions when risk metrics deviate from expectations.
- Partner with peers in Model Risk Management and Fair Lending on second line teams.
- Prepare and present portfolio risk analyses, monitoring results, and recommendations to senior leadership, governance committees, and other stakeholders.
- Design and implement governance processes, reporting routines, and operating mechanisms that support regulatory expectations and effective risk oversight.
- Provide independent challenge and oversight of credit policies, underwriting performance, and risk management practices while balancing innovation and prudent risk management.
Minimum Qualifications
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business, or a related quantitative field (or equivalent practical experience).
- 7+ years of experience in consumer credit risk management, portfolio analytics, or credit risk oversight.
- Experience analyzing credit performance across the consumer lending lifecycle, including acquisition, underwriting, portfolio management, and repayment outcomes.
- Experience using data analysis tools such as SQL, Python, R, or similar analytical platforms to evaluate portfolio performance and risk trends.
- Experience communicating quantitative analyses and risk assessments to senior business leaders through written reports and presentations.
Preferred Qualifications
- 10+ years experience in consumer credit risk management across multiple asset categories.
- Knowledge of machine learning concepts and their application within consumer lending or credit underwriting environments.
- Experience developing credit risk monitoring frameworks, risk appetite metrics, or portfolio governance processes.
- Knowledge of banking regulatory requirements and supervisory expectations related to consumer credit risk management.
- Experience conducting portfolio stress testing, scenario analysis, or sensitivity analysis.
- Ability to influence cross-functional stakeholders and build alignment across risk, product, analytics, and executive leadership teams.
Position location: Remote (United States)
Time zone requirements The team operates on the East/West coast time zones.
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
United States | Remote - Anticipated Base Salary Range
$145,300—$231,300 USD
What you'll love
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
- Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada).
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only).
- Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
- Health Savings Account contributions from Upstart for eligible plans (US only).
- Income protection benefits, including life insurance and disability coverage for added financial security.
- Paid time off, sick leave, and company holidays, in line with local requirements.
- Paid family and parental leave to support caregiving and major life moments (duration varies by country).
- Family-centered benefits to support fertility, parenthood, and caregiving needs.
- Employee Assistance Program (EAP) offering mental health support and life-centered resources.
- Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only).
- Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you.
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from.
- Connection and community through team events, all-company updates, and employee resource groups (ERGs).
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).
For roles based in Canada, please note that we are not currently able to hire in Quebec.
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com.
See all 40+ Green Card Credit Risk Manager Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Green Card Credit Risk Manager Jobs.
Get Access To All JobsTips for Finding Green Card Sponsorship as a Credit Risk Manager
Document your advanced credentials before applying
PERM requires your employer to prove your qualifications match the posted position. Gather transcripts, professional certifications like FRM or CFA, and employer letters that tie each credential directly to credit risk analysis work you have performed.
Target financial institutions with PERM filing history
Banks, insurance companies, and asset managers sponsor Credit Risk Manager roles more consistently than other industries. Search DOL PERM disclosure data by SOC code 13-2051 to identify employers who have filed for this exact occupation in recent years.
Use Migrate Mate to find sponsoring employers faster
Filter by green card sponsorship history and Credit Risk Manager job titles in one place. Migrate Mate surfaces companies with active EB-2 and EB-3 filing records so you are not guessing which employers will commit to the PERM process.
Clarify the degree requirement during offer negotiation
PERM locks in the minimum qualifications stated in the job posting. If EB-2 sponsorship is the goal, confirm the employer will list a master's degree or bachelor's plus five years of progressive experience, not just any related degree.
Ask about priority date strategy before accepting an offer
EB-3 processing has no annual cap concerns for most nationalities, but Indian and Chinese nationals face significant backlogs even at EB-2. Get the employer's stance on filing EB-2 and EB-3 concurrently so you have a fallback priority date.
Verify your prevailing wage tier using the OFLC Wage Search
PERM requires your offered salary to meet the DOL prevailing wage for Credit Risk Manager in your specific metro area. Running the OFLC Wage Search yourself lets you confirm the employer's wage determination is accurate before the labor certification is filed.
Green Card Credit Risk Manager: Frequently Asked Questions
Do Credit Risk Manager roles qualify for EB-2 or EB-3 green card sponsorship?
Credit Risk Manager positions qualify for both EB-2 and EB-3 depending on how the employer structures the job requirements. EB-2 applies when the role requires an advanced degree or equivalent specialized experience. EB-3 covers positions requiring at least a bachelor's degree in finance, economics, statistics, or a related field. Most financial institutions file under one or both categories simultaneously to preserve flexibility on your priority date.
How does PERM green card sponsorship differ from H-1B sponsorship for this role?
H-1B visa is a temporary nonimmigrant status capped at 65,000 slots annually with a lottery, while PERM is the first stage of permanent residency with no annual cap at the petition level. PERM sponsorship commits the employer to a lengthy process, typically 18 to 36 months from labor certification to I-140 approval, but results in lawful permanent residency rather than a visa requiring renewal every three years.
Which employers sponsor green cards for Credit Risk Manager positions?
Commercial banks, regional lenders, insurance carriers, asset managers, and fintech companies are the most consistent EB-2 and EB-3 sponsors for this role. Employers subject to federal oversight, such as those regulated by the OCC or Federal Reserve, often have established immigration programs because they compete globally for quantitative and risk talent. Use Migrate Mate to identify companies with active green card filing history for credit risk and related financial analysis roles.
What does the PERM labor certification process require from the employer?
The employer must conduct a DOL-supervised recruitment campaign to demonstrate no qualified U.S. worker is available for the Credit Risk Manager position. This includes mandatory advertising, candidate interviews, and documented rejection reasons for any U.S. applicants. The employer then files the ETA Form 9089 with DOL. PERM audits are common in financial roles, so thorough documentation of the recruitment effort matters more than speed.
Can I search for Credit Risk Manager jobs that already offer green card sponsorship?
Most employers do not advertise green card sponsorship in job postings because the PERM process begins after hire. The practical approach is to identify employers with a track record of PERM filings for similar roles and raise sponsorship during the offer stage. Migrate Mate filters jobs and companies by EB-2 and EB-3 sponsorship history, which removes the guesswork of asking cold whether an employer will commit to the full PERM and I-140 process.