Credit Risk Analyst Jobs in USA with Visa Sponsorship
Credit risk analysts are strong H-1B sponsorship candidates. The role qualifies as a specialty occupation requiring a bachelor's degree in finance, economics, or a related field, and financial services firms routinely sponsor both H-1B and O-1 visas for qualified analysts. For detailed occupation requirements, see the O*NET profile.
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Get Access To All JobsINTRODUCTION
Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision. Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together.
ROLE AND RESPONSIBILITIES
The Risk Analyst II will report to Senior Credit Risk Manager, Student Loans. As the Risk Analyst II, you will:
- Perform qualitative and quantitative analyses to inform credit strategies across loan approvals, pricing, servicing, and collections
- Track and analyze loan portfolio performance to identify emerging risks, trends, and opportunities for optimization
- Test and evaluate credit risk controls, identify gaps, and recommend improvements to strengthen risk mitigation
- Monitor and report on key risk metrics and KPIs, including investigation of compliance and credit risk gaps
- Partner cross-functionally with Product, Operations, Compliance, and Engineering to implement and validate credit policies and workflows
BASIC QUALIFICATIONS
- 2+ years of experience in credit risk or a data-centric analytical role (e.g., financial modeling, consulting, pricing, or risk analytics)
- Bachelor’s degree in a quantitative field such as Economics, Finance, Engineering, or a related discipline
- Strong SQL skills and experience working with large datasets in an analytical environment
- High attention to detail with the ability to synthesize and communicate complex analyses clearly
- Demonstrated critical thinking, problem-solving skills, and comfort working on multiple projects under tight deadlines
PREFERRED QUALIFICATIONS
- Experience analyzing loan portfolios within consumer lending products
- Familiarity with internal controls, data governance, and financial regulations
- Experience with statistical modeling concepts or data modeling tools (e.g., dbt)
- Experience with Python and BI tools like Tableau and Looker
- Exposure to underwriting, servicing, or collections strategies in a lending environment
LOCATION
This role will be based in the US.
COMPENSATION
A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the role's location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location, and budget. This range may be modified in the future.
- Pay Range: $126,000 USD - $145,000 USD
BENEFITS
Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including:
- Health, Dental, & Vision benefits plus savings plans
- Mac computers + work-from-home stipend to set up your home office
- Monthly internet and phone reimbursement
- Employee Stock Purchase Plan
- Restricted Stock Units (RSUs)
- 401(k) plan to help you save for retirement plus a company match
- Robust tuition reimbursement program
- $1,000 travel perk on each Earnie-versary to anywhere in the world
- Competitive days of annual PTO
- Competitive parental leave
WHAT MAKES AN EARNIE
At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:
- Every Second Counts: Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success.
- Choose To Do Hard Things: We win by tackling the hard things that others avoid, fueled by grit and resilience.
- Pursue Excellence: Great companies, teams, and individuals never settle and are proud of the work that they do. What’s good enough today won’t be good enough tomorrow. Excellence isn’t a destination; it’s a mindset of continuous improvement.
- Lead Together: Our success comes from how we work together. Leadership is not about titles—it is about action. We take ownership, drive results, and move forward as a team.
- Don’t Take Yourself Too Seriously: We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient.
At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.
Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability, or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.
INTRODUCTION
Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision. Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together.
ROLE AND RESPONSIBILITIES
The Risk Analyst II will report to Senior Credit Risk Manager, Student Loans. As the Risk Analyst II, you will:
- Perform qualitative and quantitative analyses to inform credit strategies across loan approvals, pricing, servicing, and collections
- Track and analyze loan portfolio performance to identify emerging risks, trends, and opportunities for optimization
- Test and evaluate credit risk controls, identify gaps, and recommend improvements to strengthen risk mitigation
- Monitor and report on key risk metrics and KPIs, including investigation of compliance and credit risk gaps
- Partner cross-functionally with Product, Operations, Compliance, and Engineering to implement and validate credit policies and workflows
BASIC QUALIFICATIONS
- 2+ years of experience in credit risk or a data-centric analytical role (e.g., financial modeling, consulting, pricing, or risk analytics)
- Bachelor’s degree in a quantitative field such as Economics, Finance, Engineering, or a related discipline
- Strong SQL skills and experience working with large datasets in an analytical environment
- High attention to detail with the ability to synthesize and communicate complex analyses clearly
- Demonstrated critical thinking, problem-solving skills, and comfort working on multiple projects under tight deadlines
PREFERRED QUALIFICATIONS
- Experience analyzing loan portfolios within consumer lending products
- Familiarity with internal controls, data governance, and financial regulations
- Experience with statistical modeling concepts or data modeling tools (e.g., dbt)
- Experience with Python and BI tools like Tableau and Looker
- Exposure to underwriting, servicing, or collections strategies in a lending environment
LOCATION
This role will be based in the US.
COMPENSATION
A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the role's location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location, and budget. This range may be modified in the future.
- Pay Range: $126,000 USD - $145,000 USD
BENEFITS
Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including:
- Health, Dental, & Vision benefits plus savings plans
- Mac computers + work-from-home stipend to set up your home office
- Monthly internet and phone reimbursement
- Employee Stock Purchase Plan
- Restricted Stock Units (RSUs)
- 401(k) plan to help you save for retirement plus a company match
- Robust tuition reimbursement program
- $1,000 travel perk on each Earnie-versary to anywhere in the world
- Competitive days of annual PTO
- Competitive parental leave
WHAT MAKES AN EARNIE
At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:
- Every Second Counts: Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success.
- Choose To Do Hard Things: We win by tackling the hard things that others avoid, fueled by grit and resilience.
- Pursue Excellence: Great companies, teams, and individuals never settle and are proud of the work that they do. What’s good enough today won’t be good enough tomorrow. Excellence isn’t a destination; it’s a mindset of continuous improvement.
- Lead Together: Our success comes from how we work together. Leadership is not about titles—it is about action. We take ownership, drive results, and move forward as a team.
- Don’t Take Yourself Too Seriously: We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient.
At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.
Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability, or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.
How to Get Visa Sponsorship as a Credit Risk Analyst
Target banks and large financial institutions first
Large banks, credit card companies, and consumer finance firms file H-1B petitions at high volumes. They have established immigration counsel, streamlined sponsorship processes, and are familiar with the LCA and I-129 requirements for analyst roles.
Emphasize your quantitative and modeling skills
USCIS scrutinizes whether the role genuinely requires a specialized degree. Highlighting statistical modeling, credit scoring, and risk-weighted asset work demonstrates the specialized knowledge that supports a strong specialty occupation argument in your petition.
A finance, economics, or statistics degree strengthens your case
Credit risk analyst roles most reliably qualify as specialty occupations when paired with a directly related degree. A general business degree can work but may require additional documentation showing the degree is standard for the position.
CFA or FRM credentials can reinforce your petition
Professional designations like the CFA or FRM signal specialized expertise beyond a bachelor's degree. While not required, they add credibility to the employer's position description and strengthen the argument that the role demands specialized knowledge.
Fintech and lending startups sponsor too, not just banks
Non-bank lenders, fintech platforms, and credit analytics firms actively sponsor H-1B visas for risk analysts. These employers sometimes move faster through the process and may offer more flexibility than large institutional employers during hiring.
Browse Migrate Mate to find verified sponsoring employers
Not every employer lists sponsorship willingness upfront. Migrate Mate filters credit risk analyst roles by visa sponsorship availability, so you can focus your applications on employers who have already committed to sponsoring international candidates.
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Get Access To All JobsFrequently Asked Questions
Does a credit risk analyst role qualify for H-1B sponsorship?
Yes. Credit risk analyst is widely recognized as a specialty occupation because it typically requires at least a bachelor's degree in finance, economics, statistics, or a closely related field. USCIS has approved H-1B petitions for this title across banking, consumer lending, and fintech. The strength of the petition depends on how well the employer's job description ties the duties to a specific degree requirement.
Which degree fields best support an H-1B petition for this role?
Finance, economics, statistics, mathematics, and accounting are the strongest degree matches. These fields align directly with credit risk duties like probability of default modeling, portfolio analysis, and regulatory capital calculations. A general business administration degree can qualify but may face more scrutiny from USCIS, particularly if the job description doesn't require a specific field of study.
Do financial services employers commonly sponsor visas for risk analysts?
Yes. Banks, credit unions, insurance companies, and non-bank lenders are among the most active H-1B sponsors in the financial sector. Risk and quantitative analyst roles appear consistently in DOL LCA disclosure data. Fintech companies have also increased sponsorship activity significantly. You can browse currently sponsoring employers on Migrate Mate, which lists roles filtered by confirmed sponsorship.
Can I qualify for an O-1A visa as a credit risk analyst?
It's possible but difficult at the analyst level. The O-1A requires demonstrated extraordinary ability, typically evidenced through publications, industry awards, speaking engagements, or a high salary relative to peers. Senior risk professionals with published research, model patents, or recognized contributions to credit methodology have a more credible path. Most analysts at the mid-level pursue H-1B first and consider O-1A after building a stronger record.
What happens to my visa status if I'm laid off as a sponsored credit risk analyst?
If you're on H-1B status, you have a 60-day grace period from your last day of employment to find a new sponsoring employer, change visa status, or depart the U.S. Your new employer must file an H-1B transfer petition before or shortly after you start. Acting quickly is critical since the 60-day window doesn't extend. An immigration attorney can help you assess your options if a layoff occurs.
What is the prevailing wage requirement for sponsored Credit Risk Analyst jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.
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