H-1B Visa Credit Risk Manager Jobs
Credit Risk Manager roles sit firmly within H-1B specialty occupation territory, requiring a bachelor's degree or higher in finance, economics, statistics, or a related quantitative field. Large banks, fintech lenders, and insurance firms file LCAs regularly for this title. The H-1B cap lottery applies unless your employer is cap-exempt.
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Get Access To All JobsWhen you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being.
Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.
Office Location
- Atlanta, GA - Located in the Queen Building (King & Queen Towers, Sandy Springs), with easy access to I-285, GA-400, and a free shuttle to MARTA.
Work Culture
We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You’ll be empowered to lead, grow, and make an impact.
The Role
- What a day looks like:
The Credit Risk Manager is responsible for delivering strategies that drive product growth and optimization for the private label retail business. You will own and manage credit risk strategies including population segmentation, the evaluation of new data sources, and product/price optimization across the credit spectrum. In addition, you will optimize strategies, new and existing, to drive new account originations and deliver incremental profit. The candidate should be able to apply knowledge of credit strategy as well as communicate complex topics to colleagues, management, and other stakeholders within the company.
- Evaluate new data and partner data sources for underwriting and line assignment strategies using statistical analysis techniques such as CHAID Decision Trees, optimization procedures, loss forecasting, enhanced process monitoring, data quality analyses, and incorporate score implementations supporting launch
- Develop and monitor customized manual underwriting process
- Work with Segment / Strategic Analytics / Decision Science staff to ensure project completion within agreed time frames and end-client satisfaction
- Analyze, validate, track, and monitor delivered projects
- Interact with Business Development and/or Client Management to discuss new opportunities and/or changes to client portfolio
Primary Responsibilities:
- Deliver profitable growth through the development of new strategies and the optimization of existing strategies through the assessment of credit risk and P&L drivers
- Develop and maintain Key Performance Indicators (KPI)
- Develop strategies focusing on growth, profitability, and competitive success while catering to needs of the consumer
- Applies knowledge of credit card regulations in the development, implementation, and monitoring of credit strategies
- Perform ad-hoc and recurrent credit risk analytical work
- Collaborate and partner across the business (Risk, Marketing, Business Development) to drive highly visible and impactful projects
- Communicate strategies to management and other stakeholders
You’re a great fit if you have:
- Bachelor's degree and 5+ years of Credit Card Industry experience
- Fundamental knowledge of credit scoring, underwriting, and credit risk management
- Familiar with a wide variety of credit card industry concepts, practices, and metrics across credit policy, credit risk, and loss forecasting
- Extensive experience working hands-on with SAS/SQL or equivalent to independently write queries to generate reports and perform ad-hoc analyses
- Proficiency in analytical or reporting tools such as SAS, R, Python, or Tableau
- Excellent written and verbal communication skills
Why You’ll Love Working Here
This isn’t just a job, it’s a place to lead, grow, and thrive. If you believe in your skills and drive, we’ll provide the resources and support to help you succeed.
Benefits include:
- Generous PTO and holiday schedule
- 401(k) with company match
- Employee stock purchase plan
- Ongoing training (lunch & learns, financial and health webinars)
- Team volunteer outings
Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status.
When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being.
Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.
Office Location
- Atlanta, GA - Located in the Queen Building (King & Queen Towers, Sandy Springs), with easy access to I-285, GA-400, and a free shuttle to MARTA.
Work Culture
We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You’ll be empowered to lead, grow, and make an impact.
The Role
- What a day looks like:
The Credit Risk Manager is responsible for delivering strategies that drive product growth and optimization for the private label retail business. You will own and manage credit risk strategies including population segmentation, the evaluation of new data sources, and product/price optimization across the credit spectrum. In addition, you will optimize strategies, new and existing, to drive new account originations and deliver incremental profit. The candidate should be able to apply knowledge of credit strategy as well as communicate complex topics to colleagues, management, and other stakeholders within the company.
- Evaluate new data and partner data sources for underwriting and line assignment strategies using statistical analysis techniques such as CHAID Decision Trees, optimization procedures, loss forecasting, enhanced process monitoring, data quality analyses, and incorporate score implementations supporting launch
- Develop and monitor customized manual underwriting process
- Work with Segment / Strategic Analytics / Decision Science staff to ensure project completion within agreed time frames and end-client satisfaction
- Analyze, validate, track, and monitor delivered projects
- Interact with Business Development and/or Client Management to discuss new opportunities and/or changes to client portfolio
Primary Responsibilities:
- Deliver profitable growth through the development of new strategies and the optimization of existing strategies through the assessment of credit risk and P&L drivers
- Develop and maintain Key Performance Indicators (KPI)
- Develop strategies focusing on growth, profitability, and competitive success while catering to needs of the consumer
- Applies knowledge of credit card regulations in the development, implementation, and monitoring of credit strategies
- Perform ad-hoc and recurrent credit risk analytical work
- Collaborate and partner across the business (Risk, Marketing, Business Development) to drive highly visible and impactful projects
- Communicate strategies to management and other stakeholders
You’re a great fit if you have:
- Bachelor's degree and 5+ years of Credit Card Industry experience
- Fundamental knowledge of credit scoring, underwriting, and credit risk management
- Familiar with a wide variety of credit card industry concepts, practices, and metrics across credit policy, credit risk, and loss forecasting
- Extensive experience working hands-on with SAS/SQL or equivalent to independently write queries to generate reports and perform ad-hoc analyses
- Proficiency in analytical or reporting tools such as SAS, R, Python, or Tableau
- Excellent written and verbal communication skills
Why You’ll Love Working Here
This isn’t just a job, it’s a place to lead, grow, and thrive. If you believe in your skills and drive, we’ll provide the resources and support to help you succeed.
Benefits include:
- Generous PTO and holiday schedule
- 401(k) with company match
- Employee stock purchase plan
- Ongoing training (lunch & learns, financial and health webinars)
- Team volunteer outings
Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status.
See all 46+ Credit Risk Manager jobs
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Get Access To All JobsTips for Finding H-1B Visa Sponsorship as a Credit Risk Manager
Verify your degree qualifies you
Credit Risk Manager is a specialty occupation under USCIS standards, but your degree field matters. A finance, economics, statistics, or mathematics degree maps cleanly. A general business degree may trigger an RFE unless your transcript shows quantitative coursework.
Target employers with active LCA filings
Use Migrate Mate to filter Credit Risk Manager roles by verified LCA filing history, so you're applying to employers who have already cleared DOL prevailing-wage certification for this exact title, not ones guessing at the process.
Check the prevailing wage before negotiating
Your employer's LCA must certify a wage at or above the DOL prevailing wage for your metro area and job level. Run the OFLC Wage Search before your offer call so you know whether the number they propose meets the legal floor.
Ask about premium processing upfront
Credit risk hiring often moves on tight timelines tied to regulatory cycles or portfolio growth. Confirm during offer negotiations whether your employer will file premium processing with USCIS, which reduces adjudication time to 15 business days.
Document model and regulatory experience precisely
USCIS RFEs for risk management titles often challenge whether the role genuinely requires a specialized degree. Your resume and support letter should name specific frameworks, like Basel III, CECL, or CCAR, tying your credentials directly to the technical requirements.
Understand cap-exempt employer categories early
Federal Reserve banks, certain nonprofit research institutions, and some university-affiliated financial research centers qualify as cap-exempt employers. Roles there skip the lottery entirely, which matters if you're applying mid-fiscal year or after an unsuccessful lottery registration.
Credit Risk Manager jobs are hiring across the US. Find yours.
Find Credit Risk Manager JobsCredit Risk Manager H-1B Visa: Frequently Asked Questions
Does a Credit Risk Manager role qualify as an H-1B specialty occupation?
Yes. USCIS recognizes Credit Risk Manager as a specialty occupation because the role typically requires at least a bachelor's degree in finance, economics, statistics, or a closely related quantitative discipline. Employers strengthen the petition by documenting how the specific duties, such as model validation, regulatory stress testing, or portfolio loss forecasting, require that specialized knowledge.
Which employers sponsor H-1B visas for Credit Risk Manager roles?
Large commercial banks, investment banks, fintech lenders, insurance carriers, and credit card issuers file LCAs for this title most frequently. Community banks and smaller lenders file less often. Migrate Mate filters Credit Risk Manager listings by verified DOL LCA filing history, so you can focus on employers who have already completed prevailing-wage certification for this role.
What happens to my H-1B status if my Credit Risk Manager role changes significantly?
A material change in duties, title, or work location requires your employer to file an amended H-1B petition with USCIS before the change takes effect. If your role shifts from portfolio risk analysis to people management or a different functional area, the amended petition documents that the position still qualifies as a specialty occupation under the original or updated job description.
How does the DOL prevailing wage apply to Credit Risk Manager positions?
Your employer must certify on the LCA that your offered wage meets or exceeds the DOL prevailing wage for your specific geographic area and experience level. Credit risk roles span four wage levels under DOL classifications, with senior or model-owner positions typically falling at Level III or IV. You can verify the applicable wage tier using the OFLC Wage Search before accepting an offer.
Can I switch Credit Risk Manager employers while on H-1B?
Yes, through H-1B portability under AC21. If you've had an H-1B approval for at least 180 days and your new employer files a transfer petition before your current status expires, you can start the new role once the receipt notice is issued. The new employer must file a fresh LCA and I-129 petition covering the Credit Risk Manager duties at the new location.
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