Risk Management Lead Jobs in Utah
Risk Management Lead jobs in Utah concentrate in financial services, healthcare, technology, and government contracting, with demand running from senior specialist to enterprise-level program director. Salt Lake City, Provo, and Ogden anchor most of the hiring, where employers such as Intermountain Health, Goldman Sachs, and Overstock maintain substantial risk and compliance functions. Enterprise risk framework design, operational risk oversight, and regulatory compliance management are the sub-areas drawing the most consistent demand from Utah employers. See the openings below and apply to the ones that match your experience.
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Who we are
Founded in 1997, Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers nationwide.
What we do
We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses. As a leader in non-prime lending and merchant acquiring, we combine innovative technology with data-driven insights to help underserved consumers build and strengthen credit while delivering integrated, scalable payment solutions for businesses.
Merrick Bank ranks among the top 20 FDIC®-insured credit card issuers in the U.S. and among the top 15 merchant acquirers by transaction volume.
The Director, Credit Risk Oversight, plays a critical leadership role in the Bank's second line of defense by providing independent oversight, challenge, and assessment of credit risk across the enterprise. This position leads credit oversight of the Bank’s consumer lending portfolios. Conducts independent evaluations of credit performance and material credit decisions, and ensures risks are appropriately identified, understood, and escalated.
Through forward-looking risk analysis, effective challenge of assumptions and strategies, and active participation in credit governance, this role influences risk appetite and portfolio strategy. The Director also serves as the functional leader for review and challenge activities within the Credit Risk Oversight function, helping to establish consistent standards for independent risk assessment and effective challenge. This position reports to the VP, Credit Risk Oversight and provides leadership, guidance, and mentorship to members of the Credit Risk Oversight team.
Essential Functions:
Credit Risk Monitoring & Assessment:
Provides independent oversight of consumer lending portfolios through ongoing monitoring of portfolio performance, risk trends, forecast outcomes, and key risk indicators. Identifies emerging risks, evaluates performance relative to expectations, risk appetite, and escalates material concerns to support timely management action and informed governance decisions.
Review, Challenge & Concurrence:
Leads the independent review and challenge of material credit decisions. Evaluates assumptions, methodologies, risk-return tradeoffs, and implementation plans. Provides formal concurrence opinions and escalates concerns when risks are inadequately understood, mitigated, or communicated.
Credit Oversight Reporting:
Develops independent credit risk assessments and executive-level oversight reporting. Synthesizes portfolio performance, forecast results, credit decisions, and emerging risks into clear, actionable insights for senior leadership and governance committees.
Credit Governance:
Supports the development, implementation, and ongoing enhancement of credit risk governance practices, oversight standards, and review and challenge frameworks. Contributes to the establishment of consistent risk oversight processes that promote transparent, disciplined, and effective credit risk management across the enterprise.
Review & Challenge Framework Leadership:
Serves as the functional lead for credit decision review and challenge activities within Credit Risk Oversight. Establishes standards, practices, and documentation requirements for independent challenge, concurrence processes, and escalation protocols to ensure consistent and effective oversight across portfolios.
Credit Risk Partnership & Influence:
Develops strong partnerships across first- and second-line functions, providing an independent perspective on credit risk. Ensures risks are clearly understood, appropriately articulated, and incorporated into decision-making while constructively influencing outcomes through data-driven analysis and effective challenge.
Requirements for Success:
Education & Experience:
- Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, Engineering, or quantitative discipline is required.
- Master's degree (MBA, Economics, Statistics or related field) is preferred.
- Eight (8) years of experience in consumer credit risk management or strategy, with experience in secured lending, consumer loans, indirect lending, or third-party lending programs.
- Experience providing independent review, challenge, or oversight of credit strategies, forecasts, underwriting policies, portfolio management activities, or risk governance processes strongly preferred.
Knowledge, Skills and Capabilities:
- Credit Risk Management Expertise: Advanced understanding of full lifecycle consumer credit risk management, including credit strategies and credit risk monitoring.
- Independent Review & Challenge: Demonstrated ability to critically evaluate assumptions, methodologies, forecasts, and credit strategies and provide well-supported challenge.
- Risk Governance & Oversight: Strong knowledge of credit risk governance practices, second-line risk management principles, delegated authority structures, and escalation frameworks.
- Executive Risk Communication: Ability to synthesize complex quantitative and qualitative information into clear, concise, and actionable insights, reports, and recommendations.
- Strategic Influence & Partnership: Proven ability to influence decision-making and build credibility while maintaining an independent risk perspective.
- Credit Analytics: Strong analytical capabilities with experience identifying early warning indicators, evaluating portfolio trends, assessing key risk indicators, and forecasting methodologies.
- Technical Knowledge: Ability to leverage data and reporting tools to analyze portfolio performance and communicate risk insights. Familiarity with SQL, SAS, Python, Power BI or comparable analytical tools preferred.
Compliance with Laws & Regulations
Responsible for complying with all the Bank’s internal control policies and procedures.
- Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
- Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.
Work Environment/Physical Demands:
- This position is remote or hybrid, and if hybrid, the expectation is that the employee will work approximately 2-3 days onsite per week, depending on business needs.
- Work is in an office environment, sustained posture in a seated position for prolonged periods of time; works with computer equipment for prolonged periods of time.
- Some stress may occur
- Occasional travel may be required
#INDHP
Why join us
We believe in putting people first by supporting our customers, employees and our partners while creating opportunities for everyone to reach their potential. From fostering work-life balance to rewarding good work and innovative ideas, we invest in what matters most, our people.
At Merrick Bank, you’ll be part of a collaborative, customer-focused team where you can grow your career while making a meaningful impact.
Our Employee Value Proposition
- Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
- Benefits Package -Medical, Dental, and Vision (plus much more)
- 401(k) Plan with Company Match
- Short- & Long-Term Disability
- Wellness Programs
- Group Life and AD&D Insurance
- Paid Vacation, Sick Days and bank Holidays
- Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition
We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.
We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law.
We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics.
If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.
Join our team and build your career with momentum as we champion your growth, elevate your ideas and engage you in purpose-driven work that makes a real difference every day.
Who we are
Founded in 1997, Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, with over $10 billion in assets. A wholly owned subsidiary of CardWorks Financial Group, Merrick Bank serves roughly five million cardmembers and more than 100,000 merchant customers nationwide.
What we do
We provide credit cards, recreational loans, deposit accounts, merchant services and bank sponsorships to consumers and businesses. As a leader in non-prime lending and merchant acquiring, we combine innovative technology with data-driven insights to help underserved consumers build and strengthen credit while delivering integrated, scalable payment solutions for businesses.
Merrick Bank ranks among the top 20 FDIC®-insured credit card issuers in the U.S. and among the top 15 merchant acquirers by transaction volume.
The Director, Credit Risk Oversight, plays a critical leadership role in the Bank's second line of defense by providing independent oversight, challenge, and assessment of credit risk across the enterprise. This position leads credit oversight of the Bank’s consumer lending portfolios. Conducts independent evaluations of credit performance and material credit decisions, and ensures risks are appropriately identified, understood, and escalated.
Through forward-looking risk analysis, effective challenge of assumptions and strategies, and active participation in credit governance, this role influences risk appetite and portfolio strategy. The Director also serves as the functional leader for review and challenge activities within the Credit Risk Oversight function, helping to establish consistent standards for independent risk assessment and effective challenge. This position reports to the VP, Credit Risk Oversight and provides leadership, guidance, and mentorship to members of the Credit Risk Oversight team.
Essential Functions:
Credit Risk Monitoring & Assessment:
Provides independent oversight of consumer lending portfolios through ongoing monitoring of portfolio performance, risk trends, forecast outcomes, and key risk indicators. Identifies emerging risks, evaluates performance relative to expectations, risk appetite, and escalates material concerns to support timely management action and informed governance decisions.
Review, Challenge & Concurrence:
Leads the independent review and challenge of material credit decisions. Evaluates assumptions, methodologies, risk-return tradeoffs, and implementation plans. Provides formal concurrence opinions and escalates concerns when risks are inadequately understood, mitigated, or communicated.
Credit Oversight Reporting:
Develops independent credit risk assessments and executive-level oversight reporting. Synthesizes portfolio performance, forecast results, credit decisions, and emerging risks into clear, actionable insights for senior leadership and governance committees.
Credit Governance:
Supports the development, implementation, and ongoing enhancement of credit risk governance practices, oversight standards, and review and challenge frameworks. Contributes to the establishment of consistent risk oversight processes that promote transparent, disciplined, and effective credit risk management across the enterprise.
Review & Challenge Framework Leadership:
Serves as the functional lead for credit decision review and challenge activities within Credit Risk Oversight. Establishes standards, practices, and documentation requirements for independent challenge, concurrence processes, and escalation protocols to ensure consistent and effective oversight across portfolios.
Credit Risk Partnership & Influence:
Develops strong partnerships across first- and second-line functions, providing an independent perspective on credit risk. Ensures risks are clearly understood, appropriately articulated, and incorporated into decision-making while constructively influencing outcomes through data-driven analysis and effective challenge.
Requirements for Success:
Education & Experience:
- Bachelor's degree in Business, Finance, Economics, Statistics, Mathematics, Engineering, or quantitative discipline is required.
- Master's degree (MBA, Economics, Statistics or related field) is preferred.
- Eight (8) years of experience in consumer credit risk management or strategy, with experience in secured lending, consumer loans, indirect lending, or third-party lending programs.
- Experience providing independent review, challenge, or oversight of credit strategies, forecasts, underwriting policies, portfolio management activities, or risk governance processes strongly preferred.
Knowledge, Skills and Capabilities:
- Credit Risk Management Expertise: Advanced understanding of full lifecycle consumer credit risk management, including credit strategies and credit risk monitoring.
- Independent Review & Challenge: Demonstrated ability to critically evaluate assumptions, methodologies, forecasts, and credit strategies and provide well-supported challenge.
- Risk Governance & Oversight: Strong knowledge of credit risk governance practices, second-line risk management principles, delegated authority structures, and escalation frameworks.
- Executive Risk Communication: Ability to synthesize complex quantitative and qualitative information into clear, concise, and actionable insights, reports, and recommendations.
- Strategic Influence & Partnership: Proven ability to influence decision-making and build credibility while maintaining an independent risk perspective.
- Credit Analytics: Strong analytical capabilities with experience identifying early warning indicators, evaluating portfolio trends, assessing key risk indicators, and forecasting methodologies.
- Technical Knowledge: Ability to leverage data and reporting tools to analyze portfolio performance and communicate risk insights. Familiarity with SQL, SAS, Python, Power BI or comparable analytical tools preferred.
Compliance with Laws & Regulations
Responsible for complying with all the Bank’s internal control policies and procedures.
- Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
- Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.
Work Environment/Physical Demands:
- This position is remote or hybrid, and if hybrid, the expectation is that the employee will work approximately 2-3 days onsite per week, depending on business needs.
- Work is in an office environment, sustained posture in a seated position for prolonged periods of time; works with computer equipment for prolonged periods of time.
- Some stress may occur
- Occasional travel may be required
#INDHP
Why join us
We believe in putting people first by supporting our customers, employees and our partners while creating opportunities for everyone to reach their potential. From fostering work-life balance to rewarding good work and innovative ideas, we invest in what matters most, our people.
At Merrick Bank, you’ll be part of a collaborative, customer-focused team where you can grow your career while making a meaningful impact.
Our Employee Value Proposition
- Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
- Benefits Package -Medical, Dental, and Vision (plus much more)
- 401(k) Plan with Company Match
- Short- & Long-Term Disability
- Wellness Programs
- Group Life and AD&D Insurance
- Paid Vacation, Sick Days and bank Holidays
- Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition
We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.
We are proud to be an equal opportunity employer. All qualified applicants will receive consideration without regard to age, race, color, sex, or gender identity/expression (including pregnancy, childbirth, transgender status, or sexual orientation), religion or creed, ancestry, citizenship, national origin, disability, military or veteran status, marital status, genetic information, or any other characteristic protected by applicable law.
We do not tolerate discrimination, harassment, or retaliation. Employment decisions are based solely on qualifications, merit, and business needs. Everyone is welcome here, and we hire based on your ability to do the job, not any protected characteristics.
If you need help or reasonable accommodation during the application or hiring process, please let your TA Partner know.
See All 5 Risk Management Lead Jobs in Utah
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Find Risk Management Lead JobsRisk Management Lead Jobs by City in Utah
Where Utah roles are concentrated, by current openings.
Risk Management Lead Job Market in Utah
A snapshot from current Utah openings, updated as new roles post.
Who's Hiring
What Utah Employers Look For
The qualifications that appear most often in risk management lead jobs across Utah.
- Bachelor's degree in finance, business administration, risk management, or a closely related field
- Professional certification such as CRM, FRM, or RIMS-CRMP recognized by Utah employers
- Five or more years of progressively responsible risk management or compliance experience
- Demonstrated experience building or leading enterprise risk frameworks within a regulated industry
- Proficiency with risk management platforms, GRC software, and data analysis tools
- Strong communication skills for presenting risk assessments to executive leadership and boards
Risk Management Lead Jobs in Utah: Frequently Asked Questions
How do you become a risk management lead in Utah?
Most Utah employers expect a bachelor's degree in finance, business, or a related field combined with several years of progressive risk experience. Utah does not issue a state-specific license for risk management leads, but earning a nationally recognized credential such as the Certified Risk Manager or the RIMS-CRMP significantly strengthens candidacy. Industries like insurance and banking may also expect familiarity with Utah Department of Insurance or Utah Division of Securities requirements.
How much do risk management leads make in Utah?
Risk management leads in Utah earn a median of about $77,770 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $57,250 for the lowest 10% to over $135,360 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire risk management leads in Utah?
Employers hiring risk management leads in Utah right now include TAB Bank, BAE Systems USA, and CardWorks Financial, based on current listings on Migrate Mate as of August 2026. Utah's concentration of financial technology firms, large healthcare systems, and federal contractors makes it one of the more active markets for this role in the Mountain West region.
Which Utah cities have the most risk management lead jobs?
Ogden, Sandy, and Clearfield account for the largest share of risk management lead openings in Utah. Salt Lake City dominates due to its dense cluster of financial services firms, health systems, and corporate headquarters, while Provo benefits from a growing technology sector anchored by software companies and university-affiliated research institutions, and Ogden draws demand from defense contractors and government agencies operating along the Wasatch Front.
Are there remote risk management lead jobs in Utah?
Yes, and more than many comparable senior roles, since risk management leads primarily work with data, documentation, and cross-functional teams rather than on a physical site. About 100% of risk management lead openings tied to Utah are remote or hybrid as of August 2026, reflecting the analytical and advisory nature of the work. Framework development, policy review, and reporting functions are the tasks most commonly performed remotely.
How can I get hired as a risk management lead in Utah with little or no experience?
The most realistic entry path is moving laterally from a compliance analyst, internal audit associate, or financial analyst role into risk-adjacent responsibilities at a Utah employer that runs formal rotational or development programs. Intermountain Health and several Salt Lake City-based financial institutions offer analyst development tracks where candidates build risk exposure before advancing. Earning the RIMS-CRMP associate credential or completing a GRC platform certification while in a junior role signals readiness to hiring managers and distinguishes applicants competing for first lead-level positions.
Where can I find and apply to risk management lead jobs in Utah?
You can find and apply to risk management lead jobs in Utah on Migrate Mate, which lists current Utah openings updated in real time. Search the available roles, identify the ones that match your background and preferred location, and apply directly through each listing without any additional steps required.
See All 5 Risk Management Lead Jobs in Utah
Find roles in Utah that match your experience and apply in just a few clicks.
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