OPT Credit Risk Analyst Jobs
Credit Risk Analyst roles are a strong fit for F-1 OPT students with finance, economics, or statistics backgrounds. Most positions qualify as STEM OPT extensions under CIP codes like Financial Mathematics or Data Science, giving you up to 36 months of work authorization to build your career in U.S. financial services.
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Get Access To All JobsAn exciting career awaits you
At MPC, we’re committed to being a great place to work – one that welcomes new ideas, encourages diverse perspectives, develops our people, and fosters a collaborative team environment.
Position Summary
The Marketing Credit Risk Manager is responsible for leading the credit risk function for Marathon's customer portfolio in Brand/Wholesale/and Asphalt rack business by overseeing a team of analysts and ensuring effective assessment, monitoring, and mitigation of customer credit exposure. This role provides strategic leadership in evaluating customer financial strength, establishing appropriate credit limits and security requirements, and proactively managing credit risk to support business growth while protecting company assets.
The Manager collaborates closely with Commercial, Accounting, Treasury, and Marketing leadership to develop and execute credit risk strategies, strengthen cross-functional partnerships, and address emerging risks. This position maintains a deep understanding of industry trends, market dynamics, and customer financial performance to support sound credit decisions and risk management practices.
In addition to managing credit operations, the Marketing Credit Risk Manager is responsible for developing organizational capability by coaching and mentoring credit professionals, enhancing technical and commercial acumen, and fostering a high-performing team focused on continuous improvement, compliance, and business partnership.
Key Responsibilities
- Lead a team of Credit Analysts responsible for managing credit risk and assessing the credit quality of Marathon’s customer base.
- Complete financial review and credit assessment to determine an appropriate level of credit and/or security for customers.
- Monitor customer credit limits and take appropriate action if limits are exceeded.
- Set strategies to develop and enhance relationships proactively addressing risk mitigation with key business partners including Commercial, Accounting, and Finance & Treasury.
- Develop and maintain key relationships internally with the appropriate commercial groups associated with the customers assigned.
- Lead development of staff including professional, market/industry, commercial, and overall credit risk.
Minimum Requirements
- Bachelor’s degree in Finance, Accounting, Marketing or related field required.
- Five (5) years of relevant experience required; Credit, Commercial, and leadership experience is preferred.
As an energy industry leader, our career opportunities fuel personal and professional growth.
Location:
Findlay, Ohio
Additional locations:
Job Requisition ID:
00024251
Location Address:
539 S Main St
Education:
Bachelors (Required)
Employee Group:
Full time
Employee Subgroup:
Regular
Marathon Petroleum Company LP is an Equal Opportunity Employer and gives consideration for employment to qualified applicants without discrimination on the basis of race, color, religion, creed, sex, gender (including pregnancy, childbirth, breastfeeding or related medical conditions), sexual orientation, gender identity, gender expression, reproductive health decision-making, age, mental or physical disability, medical condition or AIDS/HIV status, ancestry, national origin, genetic information, military, veteran status, marital status, citizenship or any other status protected by applicable federal, state, or local laws. If you would like more information about your EEO rights as an applicant, click here.
If you need a reasonable accommodation for any part of the application process at Marathon Petroleum LP, please contact our Human Resources Department at talentacquisition@marathonpetroleum.com. Please specify the reasonable accommodation you are requesting, along with the job posting number in which you may be interested. A Human Resources representative will review your request and contact you to discuss a reasonable accommodation. Marathon Petroleum offers a total rewards program which includes, but is not limited to, access to health, vision, and dental insurance, paid time off, 401k matching program, paid parental leave, and educational reimbursement. Detailed benefit information is available at https://mympcbenefits.com. The hired candidate will also be eligible for a discretionary company-sponsored annual bonus program.
Equal Opportunity Employer: Veteran / Disability
We will consider all qualified Applicants for employment, including those with arrest or conviction records, in a manner consistent with the requirements of applicable state and local laws. In reviewing criminal history in connection with a conditional offer of employment, Marathon will consider the key responsibilities of the role.
An exciting career awaits you
At MPC, we’re committed to being a great place to work – one that welcomes new ideas, encourages diverse perspectives, develops our people, and fosters a collaborative team environment.
Position Summary
The Marketing Credit Risk Manager is responsible for leading the credit risk function for Marathon's customer portfolio in Brand/Wholesale/and Asphalt rack business by overseeing a team of analysts and ensuring effective assessment, monitoring, and mitigation of customer credit exposure. This role provides strategic leadership in evaluating customer financial strength, establishing appropriate credit limits and security requirements, and proactively managing credit risk to support business growth while protecting company assets.
The Manager collaborates closely with Commercial, Accounting, Treasury, and Marketing leadership to develop and execute credit risk strategies, strengthen cross-functional partnerships, and address emerging risks. This position maintains a deep understanding of industry trends, market dynamics, and customer financial performance to support sound credit decisions and risk management practices.
In addition to managing credit operations, the Marketing Credit Risk Manager is responsible for developing organizational capability by coaching and mentoring credit professionals, enhancing technical and commercial acumen, and fostering a high-performing team focused on continuous improvement, compliance, and business partnership.
Key Responsibilities
- Lead a team of Credit Analysts responsible for managing credit risk and assessing the credit quality of Marathon’s customer base.
- Complete financial review and credit assessment to determine an appropriate level of credit and/or security for customers.
- Monitor customer credit limits and take appropriate action if limits are exceeded.
- Set strategies to develop and enhance relationships proactively addressing risk mitigation with key business partners including Commercial, Accounting, and Finance & Treasury.
- Develop and maintain key relationships internally with the appropriate commercial groups associated with the customers assigned.
- Lead development of staff including professional, market/industry, commercial, and overall credit risk.
Minimum Requirements
- Bachelor’s degree in Finance, Accounting, Marketing or related field required.
- Five (5) years of relevant experience required; Credit, Commercial, and leadership experience is preferred.
As an energy industry leader, our career opportunities fuel personal and professional growth.
Location:
Findlay, Ohio
Additional locations:
Job Requisition ID:
00024251
Location Address:
539 S Main St
Education:
Bachelors (Required)
Employee Group:
Full time
Employee Subgroup:
Regular
Marathon Petroleum Company LP is an Equal Opportunity Employer and gives consideration for employment to qualified applicants without discrimination on the basis of race, color, religion, creed, sex, gender (including pregnancy, childbirth, breastfeeding or related medical conditions), sexual orientation, gender identity, gender expression, reproductive health decision-making, age, mental or physical disability, medical condition or AIDS/HIV status, ancestry, national origin, genetic information, military, veteran status, marital status, citizenship or any other status protected by applicable federal, state, or local laws. If you would like more information about your EEO rights as an applicant, click here.
If you need a reasonable accommodation for any part of the application process at Marathon Petroleum LP, please contact our Human Resources Department at talentacquisition@marathonpetroleum.com. Please specify the reasonable accommodation you are requesting, along with the job posting number in which you may be interested. A Human Resources representative will review your request and contact you to discuss a reasonable accommodation. Marathon Petroleum offers a total rewards program which includes, but is not limited to, access to health, vision, and dental insurance, paid time off, 401k matching program, paid parental leave, and educational reimbursement. Detailed benefit information is available at https://mympcbenefits.com. The hired candidate will also be eligible for a discretionary company-sponsored annual bonus program.
Equal Opportunity Employer: Veteran / Disability
We will consider all qualified Applicants for employment, including those with arrest or conviction records, in a manner consistent with the requirements of applicable state and local laws. In reviewing criminal history in connection with a conditional offer of employment, Marathon will consider the key responsibilities of the role.
See all 710+ OPT Credit Risk Analyst Jobs
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Get Access To All JobsTips for Finding OPT Sponsorship as a Credit Risk Analyst
Lead with quantitative skills
Credit risk roles prioritize candidates who can model loss probabilities and stress-test portfolios. Highlight Python, R, SAS, or SQL experience in your resume. Concrete examples of credit scoring models or default prediction work will stand out to hiring managers.
Target STEM-designated programs for OPT extension
If your degree is in Financial Mathematics, Data Science, Statistics, or a related STEM field, you qualify for a 24-month OPT extension. Confirm your CIP code with your DSO before applying, since employers weigh the extended authorization window heavily when evaluating sponsorship timelines.
Focus on regulated financial institutions
Banks, credit unions, insurance companies, and fintech lenders hire credit risk analysts regularly and have established immigration compliance teams. These employers are more familiar with OPT work authorization than smaller firms, which reduces friction during the hiring process.
Address OPT timing directly in your cover letter
State your current OPT end date and whether you qualify for the STEM extension. Employers hesitate when authorization timelines are unclear. Being upfront removes ambiguity and signals that you understand the hiring process from their compliance perspective.
Get your EAD card before your start date
Credit risk roles at banks and regulated institutions require I-9 verification before day one. Apply for your EAD at least three months before your program end date. Delays in card production can push back a confirmed start date or jeopardize the offer.
Build domain knowledge beyond your degree
Employers value candidates who understand credit cycles, Basel III capital requirements, and CECL accounting standards. Self-study through CFA Level 1 or FRM Part 1 signals genuine commitment to the field and makes OPT sponsorship feel like a lower-risk investment to hiring managers.
Credit Risk Analyst OPT: Frequently Asked Questions
Do Credit Risk Analyst jobs typically qualify for the STEM OPT extension?
Many do, but it depends on your degree, not the job title. If your bachelor's or master's is in a STEM-designated field such as Statistics, Financial Mathematics, Economics (at some institutions), or Data Science, you likely qualify for the 24-month extension. Confirm your CIP code with your DSO, and ask employers whether they are enrolled in E-Verify, which is required to authorize the extension.
Which types of employers are most likely to hire Credit Risk Analysts on OPT?
Large commercial banks, regional banks, credit card issuers, insurance companies, and fintech lenders are the most consistent hirers. These institutions have structured compliance and HR teams experienced with OPT authorization and H-1B visa sponsorship pipelines. Boutique credit funds and smaller lenders hire credit risk talent but may have less experience navigating OPT paperwork. Browse verified sponsoring employers on Migrate Mate to narrow your search to companies that actively hire international candidates.
Can I work as a Credit Risk Analyst contractor or on a short-term project basis while on OPT?
Yes, OPT permits contract and freelance work as long as it is directly related to your degree field and you work at least 20 hours per week during standard OPT. Unemployment cannot exceed 90 days on standard OPT or 150 days on STEM OPT. Contract arrangements at banks or risk consulting firms count, but make sure the work is documentable and tied to your major area of study.
How should I explain my OPT status to a Credit Risk Analyst hiring manager?
Keep it factual and brief. State that you hold a valid EAD authorizing full-time employment, your current authorization end date, and whether you qualify for the STEM extension. If your degree is STEM-designated, frame the extension as three years of authorized work before any H-1B decision is needed. Hiring managers in financial services are familiar with OPT; clarity reduces hesitation far more than avoiding the topic.
What happens to my OPT authorization if I get laid off from a Credit Risk Analyst role?
Your OPT status remains valid, but the unemployment clock starts immediately. Standard OPT allows a maximum of 90 days of unemployment, and STEM OPT allows 150 days total across both periods combined. Report any employer change or gap to your DSO promptly. If you secure a new role, your DSO updates SEVIS to reflect the new employer. Acting quickly to find your next position is essential to staying in compliance.