H-1B Visa Credit Risk Manager Jobs
Credit Risk Manager roles sit firmly within H-1B visa 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 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 50+ H-1B Visa Credit Risk Manager Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new H-1B Visa Credit Risk Manager Jobs.
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.
H-1B Visa Credit Risk Manager: 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.