Credit Risk Manager Jobs in USA with Visa Sponsorship
Credit Risk Manager roles attract H-1B visa and O-1 visa sponsorship from banks, credit card companies, and fintech firms. The specialty occupation case is strong given the quantitative degree requirements, and the role's scarcity makes employers more willing to sponsor. For detailed occupation requirements, see the O*NET profile.
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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 57+ Credit Risk Manager Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Credit Risk Manager roles.
Get Access To All JobsTips for Finding Visa Sponsorship as a Credit Risk Manager
Target financial institutions with established H-1B track records
Large banks and credit card issuers file H-1B petitions regularly and have dedicated immigration counsel on retainer. These employers move faster and with less friction than smaller firms encountering sponsorship for the first time.
Lead with your quantitative credentials upfront
Employers sponsoring Credit Risk Managers need a defensible specialty occupation case. Degrees in finance, statistics, mathematics, or econometrics make that case cleanly. Highlight your specific field of study early in every application.
Emphasize model development over general risk oversight
USCIS scrutinizes whether a role genuinely requires a specialized degree. Framing your experience around credit scoring models, PD/LGD estimation, and stress testing signals the kind of technical depth that supports a strong petition.
Don't overlook fintech and non-bank lenders
Fintechs and consumer lending platforms increasingly need credit risk expertise and are sponsoring visas to get it. These employers often move faster through hiring and are less bureaucratic than traditional banks on sponsorship decisions.
Understand the H-1B cap timeline before you apply
H-1B registration opens in March for an October 1 start date. If you're on OPT, confirm your STEM extension eligibility so you can stay authorized while waiting. Planning around this calendar is critical for Credit Risk roles.
Use cap-exempt employers as a bridge if you miss the lottery
Universities, nonprofit research institutions, and some government-affiliated entities are exempt from the H-1B cap. A credit risk or model validation role at a cap-exempt employer can keep you in status while you re-register the following year.
Frequently Asked Questions
Does Credit Risk Manager qualify as a specialty occupation for H-1B purposes?
Yes, consistently. USCIS treats Credit Risk Manager as a specialty occupation because the role requires at minimum a bachelor's degree in a specific field, typically finance, economics, statistics, or mathematics. Employers strengthen the petition by ensuring the job description explicitly ties duties like credit modeling, portfolio stress testing, and risk parameter estimation to those degree fields. Generic management language weakens the case.
Which visa types do Credit Risk Managers typically use to work in the U.S.?
H-1B visa is the most common path and the one most financial institutions are set up to sponsor. Candidates with extraordinary ability, demonstrated through publications, industry awards, or significant model contributions at a major institution, may qualify for O-1A, which has no lottery. TN visa status is available to Canadian and Mexican nationals if the role maps to an eligible USMCA category, though Credit Risk Manager requires careful framing to fit.
How competitive is H-1B sponsorship for Credit Risk Managers compared to other finance roles?
More competitive than generalist finance positions but less so than software engineering, where the volume of applications is far higher. Financial institutions filing for Credit Risk Managers represent a narrower, more senior segment of the H-1B pool. USCIS approval rates for financial specialty occupations have been relatively stable. Browse open sponsored roles on Migrate Mate to see which employers are actively hiring and filing.
Does my degree need to be in a specific field, or will any bachelor's degree work?
Any degree will not work for H-1B purposes. The petition must show a direct relationship between the degree field and the job duties. Finance, economics, statistics, applied mathematics, and quantitative social sciences all map cleanly to Credit Risk Manager. A general business degree without a quantitative concentration creates a weaker specialty occupation argument, though years of directly relevant experience can help shore up the petition.
Can I switch employers on an H-1B if I'm already working as a Credit Risk Manager?
Yes. H-1B portability lets you start working for a new employer as soon as the new petition is filed, without waiting for approval, provided you've been in valid H-1B status for at least 180 days. The new employer must file an H-1B transfer petition, including a new Labor Condition Application. You don't re-enter the lottery. Confirm the new employer has immigration counsel in place before accepting an offer.
What is the prevailing wage requirement for sponsored Credit Risk Manager 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.