Credit Risk Analyst Jobs in USA with Visa Sponsorship
Credit risk analysts are strong H-1B visa 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
At T-Mobile, we invest in YOU! Our Total Rewards Package ensures that employees get the same big love we give our customers. All team members receive a competitive base salary and compensation package - this is Total Rewards. Employees enjoy multiple wealth-building opportunities through our annual stock grant, employee stock purchase plan, 401(k), and access to free, year-round money coaches. That’s how we’re UNSTOPPABLE for our employees!
ROLE AND RESPONSIBILITIES
This role supports enterprise fraud risk management by analyzing data to identify emerging fraud patterns and improve the performance of automated fraud decisioning. It involves applying statistical and quantitative methods to measure the effectiveness of fraud rules and strategies across application/identity fraud, payment and transaction fraud, and other fraud programs as needed. The role requires managing large datasets from multiple internal and third-party sources and collaborating with cross-functional teams to turn analysis into strategy. Success is measured by the accuracy and timeliness of fraud reporting and the effectiveness of the strategies that reporting informs, balancing fraud loss reduction against approval rates and customer friction. The work directly influences organization-wide fraud exposure and is presented regularly to fraud and credit risk leadership to guide business decisions.
Responsibilities:
- Design, build, and maintain program-level fraud reporting: KPIs, scorecards, dashboards, and recurring readouts covering fraud loss, detection performance, and customer impact
- Monitor and measure fraud decision engine performance and drive tuning recommendations
- Apply segmentation and statistical analysis (trend, regression, cohort, champion/challenger and A/B test readouts) to size fraud opportunities and quantify the impact of strategy changes
- Extract, process, and transform data from multiple sources — application, payment and transaction, device, and third-party identity and fraud vendor data — into analysis-ready datasets
- Evaluate new data sources and analytic products from external vendors, support proof-of-concept testing, and document findings for stakeholders
- Conduct fraud loss forecasting and exposure analysis, quantifying tradeoffs between fraud loss, approval rates, and customer experience
QUALIFICATIONS
Education:
Required: Bachelor’s degree plus 2 years of related work experience OR combination of education and experience deemed equivalent
Preferred: Acceptable areas of study include Finance, Economics, Mathematics, Industrial Engineering, Statistics or related degree
Work Experience:
Required:
- Statistical Analysis
- Data Analysis and Extraction
- Intermediate to advanced Excel
- SQL
- Strategic Thinking
- Project Management
Preferred:
- 2+ years experience in a quantitative analytical function
- Python
- Power BI
- Streamlit
- Snowflake
- AI – Claude or ChatGPT
- Predictive Modeling
- Regression Analysis
Travel:
Travel Required (Yes/No): No
DOT Regulated:
DOT Regulated Position (Yes/No): No
Safety Sensitive Position (Yes/No): No
COMPENSATION
- Base Pay Range: $76,100 - $137,300
- Corporate Bonus Target: 10%
The pay range above is the general base pay range for a successful candidate in the role. The successful candidate’s actual pay will be based on various factors, such as work location, qualifications, and experience, so the actual starting pay will vary within this range.
At T-Mobile, employees in regular, non-temporary roles are eligible for an annual bonus or periodic sales incentive or bonus, based on their role. Most Corporate employees are eligible for a year-end bonus based on company and/or individual performance and which is set at a percentage of the employee’s eligible earnings in the prior year. Certain positions in Customer Care are eligible for monthly bonuses based on individual and/or team performance.
At T-Mobile, our benefits exemplify the spirit of One Team, Together! A big part of how we care for one another is working to ensure our benefits evolve to meet the needs of our team members. Full and part-time employees have access to the same benefits when eligible. We cover all of the bases, offering medical, dental and vision insurance, a flexible spending account, 401(k), employee stock grants, employee stock purchase plan, paid time off and up to 12 paid holidays - which total about 4 weeks for new full-time employees and about 2.5 weeks for new part-time employees annually - paid parental and family leave, family building benefits, back-up care, enhanced family support, childcare subsidy, tuition assistance, college coaching, short- and long-term disability, voluntary AD&D coverage, voluntary accident coverage, voluntary life insurance, voluntary disability insurance, and voluntary long-term care insurance. We don't stop there - eligible employees can also receive mobile service & home internet discounts, pet insurance, and access to commuter and transit programs!
Never stop growing!
As part of the T-Mobile team, you know the Un-carrier doesn’t have a corporate ladder–it’s more like a jungle gym of possibilities! We love helping our employees grow in their careers, because it’s that shared drive to aim high that drives our business and our culture forward. By applying for this career opportunity, you’re living our values while investing in your career growth–and we applaud it. You’re unstoppable!
T-Mobile USA, Inc. is an Equal Opportunity Employer. All decisions concerning the employment relationship will be made without regard to age, race, ethnicity, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, religious affiliation, marital status, citizenship status, veteran status, the presence of any physical or mental disability, or any other status or characteristic protected by federal, state, or local law. Discrimination, retaliation or harassment based upon any of these factors is wholly inconsistent with how we do business and will not be tolerated.
Talent comes in all forms at the Un-carrier. If you are an individual with a disability and need reasonable accommodation at any point in the application or interview process, please let us know by emailing ApplicantAccommodation@t-mobile.com or calling 1-844-873-9500. Please note, this contact channel is not a means to apply for or inquire about a position and we are unable to respond to non-accommodation related requests.
INTRODUCTION
At T-Mobile, we invest in YOU! Our Total Rewards Package ensures that employees get the same big love we give our customers. All team members receive a competitive base salary and compensation package - this is Total Rewards. Employees enjoy multiple wealth-building opportunities through our annual stock grant, employee stock purchase plan, 401(k), and access to free, year-round money coaches. That’s how we’re UNSTOPPABLE for our employees!
ROLE AND RESPONSIBILITIES
This role supports enterprise fraud risk management by analyzing data to identify emerging fraud patterns and improve the performance of automated fraud decisioning. It involves applying statistical and quantitative methods to measure the effectiveness of fraud rules and strategies across application/identity fraud, payment and transaction fraud, and other fraud programs as needed. The role requires managing large datasets from multiple internal and third-party sources and collaborating with cross-functional teams to turn analysis into strategy. Success is measured by the accuracy and timeliness of fraud reporting and the effectiveness of the strategies that reporting informs, balancing fraud loss reduction against approval rates and customer friction. The work directly influences organization-wide fraud exposure and is presented regularly to fraud and credit risk leadership to guide business decisions.
Responsibilities:
- Design, build, and maintain program-level fraud reporting: KPIs, scorecards, dashboards, and recurring readouts covering fraud loss, detection performance, and customer impact
- Monitor and measure fraud decision engine performance and drive tuning recommendations
- Apply segmentation and statistical analysis (trend, regression, cohort, champion/challenger and A/B test readouts) to size fraud opportunities and quantify the impact of strategy changes
- Extract, process, and transform data from multiple sources — application, payment and transaction, device, and third-party identity and fraud vendor data — into analysis-ready datasets
- Evaluate new data sources and analytic products from external vendors, support proof-of-concept testing, and document findings for stakeholders
- Conduct fraud loss forecasting and exposure analysis, quantifying tradeoffs between fraud loss, approval rates, and customer experience
QUALIFICATIONS
Education:
Required: Bachelor’s degree plus 2 years of related work experience OR combination of education and experience deemed equivalent
Preferred: Acceptable areas of study include Finance, Economics, Mathematics, Industrial Engineering, Statistics or related degree
Work Experience:
Required:
- Statistical Analysis
- Data Analysis and Extraction
- Intermediate to advanced Excel
- SQL
- Strategic Thinking
- Project Management
Preferred:
- 2+ years experience in a quantitative analytical function
- Python
- Power BI
- Streamlit
- Snowflake
- AI – Claude or ChatGPT
- Predictive Modeling
- Regression Analysis
Travel:
Travel Required (Yes/No): No
DOT Regulated:
DOT Regulated Position (Yes/No): No
Safety Sensitive Position (Yes/No): No
COMPENSATION
- Base Pay Range: $76,100 - $137,300
- Corporate Bonus Target: 10%
The pay range above is the general base pay range for a successful candidate in the role. The successful candidate’s actual pay will be based on various factors, such as work location, qualifications, and experience, so the actual starting pay will vary within this range.
At T-Mobile, employees in regular, non-temporary roles are eligible for an annual bonus or periodic sales incentive or bonus, based on their role. Most Corporate employees are eligible for a year-end bonus based on company and/or individual performance and which is set at a percentage of the employee’s eligible earnings in the prior year. Certain positions in Customer Care are eligible for monthly bonuses based on individual and/or team performance.
At T-Mobile, our benefits exemplify the spirit of One Team, Together! A big part of how we care for one another is working to ensure our benefits evolve to meet the needs of our team members. Full and part-time employees have access to the same benefits when eligible. We cover all of the bases, offering medical, dental and vision insurance, a flexible spending account, 401(k), employee stock grants, employee stock purchase plan, paid time off and up to 12 paid holidays - which total about 4 weeks for new full-time employees and about 2.5 weeks for new part-time employees annually - paid parental and family leave, family building benefits, back-up care, enhanced family support, childcare subsidy, tuition assistance, college coaching, short- and long-term disability, voluntary AD&D coverage, voluntary accident coverage, voluntary life insurance, voluntary disability insurance, and voluntary long-term care insurance. We don't stop there - eligible employees can also receive mobile service & home internet discounts, pet insurance, and access to commuter and transit programs!
Never stop growing!
As part of the T-Mobile team, you know the Un-carrier doesn’t have a corporate ladder–it’s more like a jungle gym of possibilities! We love helping our employees grow in their careers, because it’s that shared drive to aim high that drives our business and our culture forward. By applying for this career opportunity, you’re living our values while investing in your career growth–and we applaud it. You’re unstoppable!
T-Mobile USA, Inc. is an Equal Opportunity Employer. All decisions concerning the employment relationship will be made without regard to age, race, ethnicity, color, religion, creed, sex, sexual orientation, gender identity or expression, national origin, religious affiliation, marital status, citizenship status, veteran status, the presence of any physical or mental disability, or any other status or characteristic protected by federal, state, or local law. Discrimination, retaliation or harassment based upon any of these factors is wholly inconsistent with how we do business and will not be tolerated.
Talent comes in all forms at the Un-carrier. If you are an individual with a disability and need reasonable accommodation at any point in the application or interview process, please let us know by emailing ApplicantAccommodation@t-mobile.com or calling 1-844-873-9500. Please note, this contact channel is not a means to apply for or inquire about a position and we are unable to respond to non-accommodation related requests.
See all 1,618+ Credit Risk Analyst Jobs
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Get Access To All JobsTips for Finding 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.
Frequently 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 visa 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.