Credit Risk Manager Jobs in USA with Visa Sponsorship
Credit Risk Manager roles attract H-1B 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 JobsINTRODUCTION
The Credit Risk role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for delinquency. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth.
RESPONSIBILITIES:
- Lead regional and key risk reviews, ensuring compliance and mitigating threats.
- Critically evaluate assigned portfolios, identifying and assessing emerging risks.
- Drive continuous improvement of credit risk processes and standards for assigned entities.
- Oversee and validate corrective action plans for identified issues, addressing concerns from control functions.
- Lead the review and assessment of the Risk Appetite framework, ensuring its appropriateness, completeness, and usage trends.
- Review, challenge and provide approval for the assigned portfolio credits and/or recommendations to more senior credit officers as needed.
- Provide independent assessments on the accuracy and appropriateness of risk ratings and classifications for assigned portfolios.
- Assist the Risk Head in orchestrating regional and/or global tasks using innovative techniques and methodologies.
- Develop strategic plans to enhance the efficiency and effectiveness of the organization.
- Innovate and optimize the decision engine capabilities of the collections process, ensuring optimal treatments for each account.
- Collaborate with other credit risk families to support the best outcome for Citi, sharing and implementing best practices.
- Manage relationships and expectations of external regulators, Regulatory reporting, Risk, Finance, and Accounting Policy.
- Partner with the Risk organization to refine the process of defining, extracting, and utilizing data.
- Make informed business decisions, considering risk assessment, the firm's reputation, and compliance with laws, rules, and regulations.
- Enforce compliance with applicable laws, rules, and regulations, upholding policy and ethical business practices.
- Manage and report control issues with full transparency, using advanced judgment and innovative techniques.
- Owning relevant scorecards and underwriting frameworks.
- Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
- Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
- Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
- Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.
- Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda.
- Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
- Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
- Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
- Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
- Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
- Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult.
- Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.
- Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
- Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
- Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
- Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace.
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards.
QUALIFICATIONS:
- 15+ years of experience
- Requires a broad and comprehensive understanding of the credit risk field, recognized as a subject matter expert.
- Demonstrated thought leadership, developing new techniques, methodologies, and approaches for credit risk management.
- Proven track record of innovation and groundbreaking developments in credit risk assessment and mitigation.
- Expertise in evaluating complex issues with substantial impact, utilizing in-depth quantitative and qualitative analysis.
- Ability to drive change within and beyond the organization, shaping operational strategies and influencing industry standards.
- Exceptional communication skills, including clear articulation, effective presentation of complex information, and empathetic response.
- Advanced skills in mediating disputes and advocating for organizational interests with high-level stakeholders.
- Capability to challenge established norms and pioneer new approaches in complex domains.
- Proven ability to guide decision-making processes and implement technical solutions effectively.
EDUCATION:
Bachelor's/University degree, Master's degree preferred
JOB FAMILY GROUP:
Risk Management
JOB FAMILY:
Credit Risk
TIME TYPE:
Full time
PRIMARY LOCATION:
New York New York United States
PRIMARY LOCATION FULL TIME SALARY RANGE:
$170,000.00 - $300,000.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
MOST RELEVANT SKILLS
Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
OTHER RELEVANT SKILLS
For complementary skills, please see above and/or contact the recruiter.
ANTICIPATED POSTING CLOSE DATE:
Mar 20, 2026
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
View Citi’s EEO Policy Statement and the Know Your Rights poster.
INTRODUCTION
The Credit Risk role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for delinquency. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth.
RESPONSIBILITIES:
- Lead regional and key risk reviews, ensuring compliance and mitigating threats.
- Critically evaluate assigned portfolios, identifying and assessing emerging risks.
- Drive continuous improvement of credit risk processes and standards for assigned entities.
- Oversee and validate corrective action plans for identified issues, addressing concerns from control functions.
- Lead the review and assessment of the Risk Appetite framework, ensuring its appropriateness, completeness, and usage trends.
- Review, challenge and provide approval for the assigned portfolio credits and/or recommendations to more senior credit officers as needed.
- Provide independent assessments on the accuracy and appropriateness of risk ratings and classifications for assigned portfolios.
- Assist the Risk Head in orchestrating regional and/or global tasks using innovative techniques and methodologies.
- Develop strategic plans to enhance the efficiency and effectiveness of the organization.
- Innovate and optimize the decision engine capabilities of the collections process, ensuring optimal treatments for each account.
- Collaborate with other credit risk families to support the best outcome for Citi, sharing and implementing best practices.
- Manage relationships and expectations of external regulators, Regulatory reporting, Risk, Finance, and Accounting Policy.
- Partner with the Risk organization to refine the process of defining, extracting, and utilizing data.
- Make informed business decisions, considering risk assessment, the firm's reputation, and compliance with laws, rules, and regulations.
- Enforce compliance with applicable laws, rules, and regulations, upholding policy and ethical business practices.
- Manage and report control issues with full transparency, using advanced judgment and innovative techniques.
- Owning relevant scorecards and underwriting frameworks.
- Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
- Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
- Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
- Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.
- Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda.
- Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
- Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
- Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
- Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
- Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
- Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult.
- Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.
- Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
- Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
- Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
- Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace.
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards.
QUALIFICATIONS:
- 15+ years of experience
- Requires a broad and comprehensive understanding of the credit risk field, recognized as a subject matter expert.
- Demonstrated thought leadership, developing new techniques, methodologies, and approaches for credit risk management.
- Proven track record of innovation and groundbreaking developments in credit risk assessment and mitigation.
- Expertise in evaluating complex issues with substantial impact, utilizing in-depth quantitative and qualitative analysis.
- Ability to drive change within and beyond the organization, shaping operational strategies and influencing industry standards.
- Exceptional communication skills, including clear articulation, effective presentation of complex information, and empathetic response.
- Advanced skills in mediating disputes and advocating for organizational interests with high-level stakeholders.
- Capability to challenge established norms and pioneer new approaches in complex domains.
- Proven ability to guide decision-making processes and implement technical solutions effectively.
EDUCATION:
Bachelor's/University degree, Master's degree preferred
JOB FAMILY GROUP:
Risk Management
JOB FAMILY:
Credit Risk
TIME TYPE:
Full time
PRIMARY LOCATION:
New York New York United States
PRIMARY LOCATION FULL TIME SALARY RANGE:
$170,000.00 - $300,000.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
MOST RELEVANT SKILLS
Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
OTHER RELEVANT SKILLS
For complementary skills, please see above and/or contact the recruiter.
ANTICIPATED POSTING CLOSE DATE:
Mar 20, 2026
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
View Citi’s EEO Policy Statement and the Know Your Rights poster.
How to Get 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.
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.
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Get Access To All JobsFrequently 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 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 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.
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