Credit Risk Administrator Jobs

About the Role We are looking for an experienced Credit Risk Data Scientist who is data-driven, has strong analytical and technical skills, and operates with a high degree of ownership. In this role, you will lead the credit strategy that lets Chime lend to people before they have a relationship with us — starting with Instant Loans for new members (top of funnel) and expanding to future unsecured credit products such as credit cards. You'll develop risk policies and strategies to manage credit risk throughout the member lifecycle, and you'll work as a trusted cross-functional partner with product, growth, data engineering, machine learning, and analytics teams, interacting with business stakeholders across many departments. In this role, you can expect to Own credit strategy for new-to-Chime applicants across the member lifecycle, starting with Instant Loans for prospects (top of funnel) and extending to future unsecured products such as credit cards and/or lines of credit Develop and evolve channel-specific credit policies (pre-approval / prescreen, direct mail, open application, referrals, and affiliates) that support growth while balancing risk, unit economics, and member experience Design and continuously iterate acquisition, loan amount / line assignment, pricing, line management, repayment, and collections strategies Leverage credit bureau (e.g., Experian), alternative, and internal Chime data to underwrite applicants with no prior Chime relationship; build credit models and policies hands-on and in partnership with our DSML team Lead test-and-learn: design and read out champion/challenger tests and controlled ramps, and quantify trade-offs among approvals, losses, direct deposit conversion, and lifetime value Partner with Finance and Strategy to size new channels and forecast approval funnels, vintage losses, and unit economics; set launch criteria, guardrails, and expansion triggers Collaborate with data teams to build data infrastructure and early-read mon

Given heightened expectations from regulators and a goal to build a strong and consistent global control environment, Citi continues to enhance its business governance framework and has created the Enterprise Data group. Enterprise Data is a critical component of Citi’s first line of defense for wholesale and counterparty credit risk management and works with Independent Risk teams to ensure best-in-class risk and controls, as well as client responsiveness. Key responsibilities of the group include credit analysis, documentation, risk identification, exposure monitoring and stress testing. Enterprise Data coordinates with credit management groups across institutional client businesses to ensure full alignment on business and regulatory goals, as well as consistency and best practices. The Counterparty Credit Risk (CCR) project execution team within Enterprise Data is responsible for building tools to: Provide in-depth quantitative or qualitative analysis to solve business problems and develop new, innovative solutions Build tools to help measure, monitor and control counterparty risk for institutional clients and Portfolios and businesses, with a focus on counter-party and collateral risk to ensure the risks are being properly measured and controlled in accordance with the Firm’s risk policies. Responsibilities: As a Product Developer working in CCR project team, individual will be expected to Lead strategic BAU and Regulatory projects primarily impacting Counterparty Credit Risk exposure measures for traded product markets business Develop and enhance tools for the measurement, monitoring and reporting of counterparty exposure including Stress testing - Net Stressed Exposure (NSE), Potential Future Exposure (PFE), Settlement Risk, Intraday risk and participate in project management of strategic risk infrastructure development.</

Director - Segment Sales Enablement - Enterprise & Credit Risk — Dublin, Ireland. Apply via Workday.

Customer Success Manager, Credit Risk — Sao Paulo, Brazil. Apply via Workday.

About Ramp Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. About the Role We’re looking for a Senior Applied Scientist to help drive the future of credit applied science at Ramp. In this role, you will design, build, and optimize the models that power our credit risk systems, helping us make faster, smarter, and more scalable risk decisions for our customers. You’ll work at the intersection of machine learning, statistics, economics, and product strategy. This role requires strong technical depth as well as close collaboration with business, product, data, and engineering partners. You will help identify high-impact opportunities, translate ambiguous business problems into rigorous modeling work, and ship models that operate reliably in production. Applied scientists at Ramp focus on solving quantitative problems across credit, fraud, growth, and our core product by applying the right mix of machine learning, causal inference, structural modeling, and optimization. What You'll Do Design, build, and optimize machine learning models that support credit risk decisioning and portfolio management at Ramp Own the

Join us in building the future of finance. Our mission is to democratize finance for all. An estimated $124 trillion of assets will be inherited by younger generations in the next two decades. The largest transfer of wealth in human history. If you’re ready to be at the epicenter of this historic cultural and financial shift, keep reading. About the team + role We are building an elite team, applying frontier technologies to the world's biggest financial problems. We're looking for bold thinkers. Sharp problem-solvers. Builders who are wired to make an impact. Robinhood isn't a place for complacency, it's where ambitious people do the best work of their careers. We're a high-performing, fast-moving team with ethics at the center of everything we do. Expectations are high, and so are the rewards. The Credit Card business team's mission is to shape Robinhood’s vision in the credit and banking space by delivering smart, customer-focused financial solutions. Our team is dedicated to reshaping the credit landscape and redefining the way people interact with financial services daily. We leverage cutting-edge analytical tools and diverse datasets to build deep understandings of consumer credit behaviors. We aim to make financial services accessible to everyone, building programs that support Robinhood’s broader goals! As a Staff Data Scientist, you will build credit risk models that allow us to better serve our customers and make responsible lending decisions. Credit models are at the heart of all lending decisions. These models will drive decisions ranging from approve/decline, line assignment at origination and future credit limit increases. You will leverage traditional and non-traditional data sources to build highly predictive risk models. You will own the full lifecycle of model development from data prep, model building to model deployment. This role is based in our Menlo Park, CA, or Washington, DC office(s), with in-person attendance expected at least 3 days per w

About Clutch We’re on a mission to reinvent how people buy, sell, and own cars. Are you game? Clutch is Canada’s largest buyer and seller of cars, offering a digital-first, hassle-free experience. Customers can browse thousands of cars online, have their chosen vehicle delivered right to their door, and enjoy peace of mind with our 10-Day Money-Back Guarantee. Looking to sell? We buy over $3 million worth of cars every day, providing a firm, AI-generated offer every 15 seconds—and when you sell to us, you get paid instantly, now that’s Clutch. Recognized four years running on The Globe & Mail’s list of Canada’s Top Growing Companies—and with back-to-back spots on Deloitte’s Technology Fast 50™ and Fast 500™ —we’re seeking curious, hard-working, and driven individuals to join our growing team. Founded in 2017 and headquartered in Toronto, Clutch currently operates in Ontario, New Brunswick, Nova Scotia, and Prince Edward Island. Our world-class investors include Altos Ventures, Canaan, FJ Labs, BrandProject, and Upper90. To learn more, visit clutch.ca . Consumer Financing at Clutch: Clutch is on a journey to create a truly seamless car buying and ownership experience—and financing is a critical part of delivering that end-to-end journey. We’re building consumer financing capability from the ground up to offer customers a simpler, more transparent way to finance their vehicle, while supporting Clutch’s growth with a scalable, disciplined lending platform. In this role, you’ll help shape our lending strategy, risk framework, and operations as we bring this business to life. About the role: We’re hiring a Senior Manager, Credit & Risk to build and lead the credit strategy and risk framework for Clutch’s consumer financing program. You’ll own how we assess risk, make credit decisions, price appropriately, and manage portfolio performance over time. This is a builder role for someone who’s comfortable operating with ambiguity, rolling up their sleeves, and designi

Senior Director, Business Management (Credit Risk Management) — McLean, VA. Apply via Workday.

Customer Success Manager, Credit Risk — Toronto, Canada. Apply via Workday.

About Ramp Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. About the Role Ramp is looking for a Senior Underwriter to join our Underwriting team in Europe. You’ll evaluate businesses applying to Ramp, make credit and risk decisions, and help improve how we assess customers across our products. This is an early regional role supporting EU and US applicants. We’re looking for someone with strong financial judgment who can work independently, make clear decisions with incomplete information, and help us build scalable underwriting processes. What You’ll Do Review applications for Ramp’s corporate card and bill pay products across the EU and US. Analyze financial statements, bank data, bureau information, and other risk signals to assess business health and repayment ability. Recommend the appropriate outcome, including approval, decline, a lower limit, or a request for additional information. Communicate clearly with customers when additional information or context is needed. Manage an underwriting queue while meeting quality and SLA expectations. Partner with teams across Risk, Product, Engineering, Sales, an

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. SoFi’s Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company’s risk appetite and helps create the products and experiences that put our members’ interests first. The Credit Strategy Lead will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi’s lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card. The Credit Strategy Lead will collaborate with cross-functional teams such as Business Units, Capital Markets, Product and Engineering, and use business knowledge and quantitative and analytical skills to drive revenue, control risk, and provide value to the company and consumers. The ideal candidate will possess a data-driven analytics background and the strategic acumen to direct a function that draws strategic insights from data using database and statistical anal

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The Role As a Staff Credit Policy Analyst for Home Loans will lead the design, governance, and continuous evolution of SoFi’s credit policy framework across Conforming, Government (FHA/VA/USDA), Closed-End Seconds (CES), and Portfolio products. This leader will own the strategic direction and operational oversight of credit policy development, ensuring all underwriting criteria are risk-aligned, investor-compliant, and digitally executable. You will serve as a key partner to Risk, Capital Markets, Product, and Operations—driving clarity, consistency, and scalability across all credit decisioning processes. In this role, you will provide strategic oversight of policy research, system automation, and audit readiness while fostering innovation in digital underwriting and credit enablement. What You’ll Do Credit Policy Leadership & Strategy Lead the end-to-end lifecycle of SoFi’s home lending credit policies, ensuring they align with enterprise risk appetite, investor standards, and business objectives. Define and manage the credit policy governance framework, including approval processes, documentation standards, and version control practices. Partner with senior leadership to identify emerging credit risk trends and recommend proactive policy adjustments. Oversee the roadmap for credit automation and deci

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The Role As a Staff Credit Policy Analyst– Condominium, Co-op & Project Review Strategy for Home Loans, you will lead credit policy strategy, governance, and execution, with a primary focus on condominium and co-op project review strategy, including warrantable and non-warrantable condominium programs. This role will support SoFi’s broader residential lending platform across Conforming, Government, CES, Home Equity, Portfolio, Jumbo, Non-Agency, and other specialty products. You will develop and maintain policy frameworks governing condominium and co-op project eligibility, non-warrantable condominium lending, project-level risk assessment, documentation requirements, exceptions, investor compliance, and escalation practices. You will serve as a strategic partner to Credit Risk, Credit Operations, Capital Markets, Product, Operations, Legal, Compliance, and Technology. The role will translate complex credit, regulatory, investor, and market requirements into clear policy, effective controls, scalable processes, and executable business rules. What You’ll Do Credit Policy Leadership & Strategy Lead the development, governance, and continuous improvement of credit policies across SoFi’s home lending products. Own the strategy and policy framework for condominium and co-op project reviews, including war

Employee Applicant Privacy Notice Who we are: Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world. The team SoFi’s Credit team manages credit risk activities for our lending products (Student Loan Refinance, Private Student Loan, Personal Loan, Credit Card, and Mortgage) - including credit strategies/policies for new account origination and portfolio management, collections/recovery strategies and operations, and risk and operational data science and analytics. The team designs data-driven strategies to ensure the growth in lending is consistent with the company’s risk appetite and helps create the products and experiences that put our members’ interests first. The Senior Credit Manager will work in the Credit team and have responsibilities to analyze and evaluate data to develop and propose value-added credit risk strategies and models for SoFi’s lending products, including Personal Loan, Student Loan Refinance, Private Student Loan, and Credit Card. The initial focus of the role will be on Personal Loan but the candidate may get opportunities to work on other lending products in the future. The candidate will be responsible for independently developing and implementing Personal Loan underwriting strategies that meet our risk appetite, monitoring and analyzing the risk trends within the portfolio to provide insights and recommendations for strategy enhancement opportunities. She/he will be part of

Managing Principal Consultant - Credit Risk and Market Risk–driven regulatory and transformation initiatives Role Overview We are seeking a senior Finance & Treasury Transformation professional to join our Finance, Risk, Regulation & Reporting (FRRF) practice. This role focuses on leading Credit Risk and Market Risk–driven regulatory and transformation initiatives for global financial services clients. The position involves advising C‑suite stakeholders (CFO, CRO, Treasurer) and delivering complex, multi-year transformation programs across finance, treasury, and risk functions. Key Responsibilities Lead and deliver large-scale Finance, Treasury, Credit Risk, and Market Risk transformation programs Own regulatory change initiatives including Basel (Credit & Market Risk), ICAAP, ILAAP, IFRS 9, PRA/EBA Design target operating models , balance sheet, capital, and liquidity optimization strategies Oversee regulatory and management reporting (ICAAP, ILAAP, RRP) Drive process efficiency, automation, analytics, and technology-enabled transformation Establish robust governance, control frameworks, and regulatory assurance Act as a trusted advisor to senior stakeholders across Finance, Risk, Compliance, and Audit Translate business and risk requirements into functional and technology solutions Proactively manage risks, dependencies, and delivery outcomes Skills & Experience Deep expertise in Credit Risk, Market Risk, Finance, and Treasury within financial services Strong hands-on experience with Basel, ICAAP/ILAAP, IFRS/IFRS 9, regulatory remediation Proven delivery of finance/risk transformation programs (consulting or in-house) Strong understanding of P&L, balance sheet, capital, liquidity, and cost allocation Experience with finance and risk technologies (ERP, accounting engines, sub-ledgers, reporting platforms) Excellent stakeholder management and change leadership skills Leadership & MP Expectations Act as a Subject Matter Expert across Fin