Credit Risk 2lod Senior Officer in United States

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: This role plays a key role in contributing, developing, and maturing an industry-best Credit Risk Management organization across SoFi Technologies, Inc. The incumbent will architect comprehensive risk management capabilities for a rapidly growing bank holding company – ensuring robust defensive and offensive capabilities – maturing foundational risk identification/risk mitigation, risk management frameworks, and risk culture. The contributor will play an essential role in fostering regulatory readiness and maturing a strong effective challenge second-line Credit Risk function. The Credit Risk Oversight (2LOD) Senior Risk Analyst role is critical to success across SoFi Technologies, Inc., SoFi Bank, NA, and operating subsidiaries. The incumbent will contribute to the second-line oversight of Credit Risk across all SoFi’s lending products - Unsecured, Secured and Commercial Lending. The analyst will conduct credit/behavioral/financial analytics or predictive modeling to assess risks and opportunities for the bank portfolios and translate results into recommendations. The 2LOD Senior Risk Analyst will leverage internal and external data sources and technology capabilities in support of the oversight function. Perform analysis to research credit

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: SoFi Technologies Inc. is seeking a skilled and experienced Senior Staff Credit Risk Analyst to join our dynamic team. As a key contributor, you will play a crucial role in the development and execution of industry best Credit Risk Management. The incumbent will improve comprehensive risk management capabilities for a rapidly growing bank holding company – ensuring robust defensive and offensive analytical capabilities – The contributor will play an essential role in fostering regulatory readiness and maturing a strong effective challenge second-line function across Credit Risk. The Credit Risk Oversight (2LOD) Senior Staff Credit Risk Analyst role is critical to success across SoFi Technologies, Inc., SoFi Bank, NA, and operating subsidiaries. The incumbent will contribute to the second-line oversight of credit risk across al

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. As a member of Ramp's Risk Strategy & Operations team, you will leverage data to develop and optimize credit strategies. Credit is one of Ramp's most consequential products. Every policy change affects how customers can grow their usage, and how responsibly Ramp scales up while managing risk. Credit Risk Strategy owns these tradeoffs end to end. In this role, you will own or help build strategy across credit risk areas like credit limits, payment speed, and collections. You'll take ambiguous problems, get to the data, prototype the solution, and push the change with Product, Engineering, Data Science, Risk Operations, Finance, Customer Experience, and Compliance. AI fluency is required. We use AI as a core pillar of our risk management stack, and you will be prototyping and managing related Agents and tools. You should already be using tools like Claude Code, Codex, or similar AI tools to write code, explore data, prototype apps, automate workflows, and check your own work. You do not need to be a software engineer, but you do need to use AI to

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone’s reach while doing the most important work of your career. About the team The Capital team is responsible for managing the end-to-end risk strategy for Stripe's lending product. The team is based in the US and Canada, and is composed of curious, driven, and analytical individuals who are passionate about using their skills to shape the future of Stripe. We partner closely with Stripe's engineering, data science, product, and servicing teams to leverage existing platforms, integrate industry best practices, and develop novel solutions to evaluate and manage credit risk. If you are interested in joining a fast-growing organization and applying your experience to shape the future of Stripe, we encourage you to apply. What you’ll do As a key member of the Capital team, you will have the opportunity to shape the future of Stripe's credit policy by driving meaningful changes to the risk and underwriting framework. You will leverage Stripe's vast data assets to formulate your recommendations and work closely with our partners and, where applicable, leverage third-party data. We are a small and lean team, which means you will have the autonomy and the responsibility to manage end-to-end risk initiatives. Responsibilities Architect and implement credit policies based on Stripe's proprietary data and selected industry data to target, price, and size capital products. Utilize your analytical and technical skills to provide credit risk recommendations, deliver insights, and support strategic business decisions. Collabor

Join a pioneering team at the forefront of financial technology innovation. We are building a cutting-edge, agentic AI platform designed to revolutionize the end-to-end credit risk model development lifecycle. By leveraging the power of Large Language Models (LLMs) and intelligent workflows, we aim to augment our quantitative modelers, dramatically increasing their productivity, enhancing model governance, and accelerating the delivery of critical risk models. We are seeking a senior, hands-on technology leader to drive this transformation. In this role, you will partner directly with quantitative analysts and key stakeholders to shape the most impactful use cases and then lead a team of talented developers to design, build, and deploy the generative AI platform that brings this vision to life. Key Responsibilities Strategic Vision & Stakeholder Partnership: Collaborate closely with quantitative model developers, Model Risk Management (MRM), and business leaders to deeply understand their pain points and translate them into a technical vision and product roadmap. Identify, scope, and prioritize use cases for the agentic workflow platform, ensuring they deliver measurable value and align with strategic objectives. Serve as the primary technical liaison between the engineering team and its users, ensuring a tight feedback loop and continuous alignment. Platform Design & Hands-On Development: Lead the architectural design of a scalable, robust, and secure agentic AI platform, including core components for orchestration, knowledge retrieval (e.g. RAG), and tool integration. Engage in hands-on software development to build foundational components, create proofs-of-concept, and tackle the most complex technical challenges. Design and implement secure integrations with internal data sources, external APIs, and various LLMs, ensuring compliance

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.</

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

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

About the Team OpenAI Finance ensures the organization is positioned for long-term success as we pursue our mission. The Order to Cash (OTC) team oversees the end-to-end flow of commercial transactions from order intake and provisioning through billing, collections, credit risk, accounts receivable operations, and cash application. The team focuses on accuracy, compliance, operational discipline, and a high-quality customer experience. About the Role We are hiring for the Senior Credit & Collections role to support OpenAI's global receivables operations, with a focus on white-glove support for premier and strategic accounts across the U.S. and key regional areas of AR work, including standard operating procedures, payment methods, customer portals, disputes, cash application handoffs, escalations, and emerging go-to-market channels. In this role, you will manage complex customer accounts, guide priority AR workstreams, support credit reviews, and partner cross-functionally with Sales, Customer Success, Billing Operations, Deal Desk, Legal, Accounting, Cash Application, Finance Systems, and external partners. You will help improve cash collections, reduce aging, support responsible credit decisions, and maintain a strong customer experience across sensitive, high-value, and operationally complex relationships. This role is based in San Francisco, CA. We use a hybrid work model of 3 days in the office per week and offer relocation assistance to new employees. In This Role, You Will Manage a portfolio of premier, strategic, and high-touch customer accounts across the U.S. and key regional AR work areas, ensuring timely collections, clear communication, and a white-glove customer experience. Support collections coverage across key regional areas of AR work, including payment follow-up, documentation requirements, portal submission workflows, tax or invoicing considerations, dispute coordination, and escalation management. Support new channel success, including marke

Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid-to-large companies with revenues from $100 million to $3 billion. In this role, you will sit at the center of the lending process — assessing credit risk, structuring financing solutions, and partnering directly with relationship bankers and independent risk teams to deliver best-in-class outcomes for clients. Your decisions will directly shape the credit quality and performance of a significant commercial lending portfolio for the Digital, Technology & Communications (DTC) vertical. Responsibilities Manage the end-to-end credit underwriting process for new and existing commercial relationships, from initial pre-screening and credit appetite assessment through to approval, documentation, and ongoing portfolio oversight. Assess the creditworthiness of commercial borrowers by conducting detailed financial statement analysis, cash flow modeling, trend, and ratio analysis, and evaluating complex business structures including those with international subsidiaries. Prepare comprehensive written credit analyses that articulate the financing need, key risk factors, structural considerations, and a well-supported credit recommendation. Monitor existing borrowers through monthly and quarterly financial reviews, tracking covenant compliance, identifying early warning indicators, and escalating emerging concerns to relevant stakeholders. Oversee the loan documentation process for new transactions and amendments, coordinating with internal partners and external legal counsel to ensure all approval terms are accurately reflected in closing documents. Maintain regulatory compliance across the portfolio by ensuring accurate risk ratings, appropriate classification, and adherence to all applicable credit policies and regulatory framewor

Based at Sun Day Red (SDR) Headquarters in San Clemente, California, the Senior Collector – Global Credit & Collections is responsible for managing a multi-million-dollar Accounts Receivable portfolio of approximately 1,500-2,000 global accounts and a multi-million-dollar open order book. This role strongly focus on credit risk management, collections, and cash flow optimization within the apparel and footwear industry. T he successful candidate will partner closely with Sales, Customer Service, Operations, and Finance to evaluate credit exposure, drive collections, minimize risk, support revenue growth, and ensure compliance with company credit policies. Exceptional analytical skills, attention to detail, sound business judgment, and a proven ability to manage complex customer relationships in a fast-paced global environment are essential . Essential Functions and Key Responsibilities: Manage a multi-million-dollar Accounts Receivable portfolio consisting of approximately 1,500-2,000 global customer accounts within the apparel, footwear, and manufacturing sectors. Drive collection activities to maximize cash flow, reduce delinquency, and achieve established DSO and aging targets. Review and manage a multi-million-dollar open order book, making informed credit decisions regarding order releases, holds, and credit exposure. Evaluate customer creditworthiness through financial analysis, payment trends, credit bureau reports, and risk assessments. Monitor customer accounts to identify potential credit risks and proactively implement mitigation strategies. Negotiate payment arrangements, resolve disputes, and secure timely payment of outstanding balances. Collaborate with Sales, Customer Service, Operations, and Finance to resolve account issues a

We are seeking a highly motivated and experienced Lead Java Developer to join our Credit Risk Technology team. This is a hands-on leadership role where you will be instrumental in designing, developing, and deploying robust, high-performance, and large-scale software solutions for Counterparty Credit Risk Management. You will be at the forefront of firm-wide initiatives, leveraging best-in-class software stacks and cutting-edge AI tools to solve complex challenges. You will lead a team of talented engineers, providing technical guidance, fostering innovation, and ensuring the delivery of high-quality, scalable, and resilient software. The ideal candidate is passionate about modern software development practices, proficient with contemporary tech stacks, and eager to utilize artificial intelligence to manage Citi’s exposure to financial institutions, governments, and corporates. This role offers the opportunity to make a significant impact by contributing to critical systems that provide an integrated view of trades, collateral, and market data from numerous sources. Key Responsibilities: Technical Leadership & Hands-On Development: Lead by example, actively contributing to the design, architecture, and hands-on development of critical software components for Counterparty Credit Risk Management leveraging AI tools such as Devin and Co-Pilot Drive technical excellence, ensuring best practices in coding, testing, and deployment are followed for high-performance and large-scale applications. Conduct code reviews, provide constructive feedback, and mentor team members in advanced development techniques. Team Leadership & Management: Supervise work of a team of software engineers Foster a collaborative, innovative, and inclusive team environment focused on tackling challenging firm-wide initiatives. Allocate resources effectively to meet project deadlines an

Citibank, N.A. seeks a Project Management Lead for its Irving, Texas location. Duties: Manage end-to-end delivery of wholesale credit risk and climate risk initiatives, overseeing projects lifecycle from requirements intake through execution and implementation. Define and monitor project milestones, dependencies to ensure timely project delivery and resolution of emerging risks or constraints. Partner with model developers in order to streamline, consolidate and redevelop wholesale credit risk models. Support model validation, audit readiness and project success by maintaining comprehensive documentation, remediation trackers, and evidence repositories. Coordinate with technology partners to optimize model integration, leading efforts to embed Comprehensive Capital Analysis and Review (CCAR) and International Financial Reporting Standard 9 (IFRS9) models into the library system. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols. Requirements: Requires a Master’s degree, or foreign equivalent, in Finance, Business Analytics, or related field and 4 years of experience as a Project Manager, Financial Analyst, Accountant, or related position involving treasury and balance-sheet risk assessment, wholesale credit risk management and financial audit management. 4 years of experience must include: Risk management processes and frameworks in order to measure financial exposures under stress scenarios in model development; Understanding of control framework and regulatory expectations for model documentation, validation and periodic review; Project management including project structuring, development of timeline, implementation phases planning, resources allocation, identification of dependencies and bottlenecks, and escalation of issues; Data analysis and data quality assurance, including cleanliness of the data, completeness and accuracy, while ad

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Position Overview Multifamily Capital Markets is seeking an exceptionally curious, analytical, and driven professional to help identify, prioritize, and deliver the initiatives that can most improve the business. This is a rare opportunity to develop a broad view across the Multifamily Capital Markets organization, including loan pricing, pipeline risk management, portfolio management, securitization, credit-risk transfer, operations, and technology. You will work directly with a Capital Markets leader who brings deep Multifamily expertise, extensive Wall Street markets and product experience, and a track record of developing innovative solutions to complex financial problems. Together, you will examine how the business operates, identify its highest-impact opportunities, challenge existing assumptions, and develop solutions from first principles. This is a hands-on role combining original problem-solving, quantitative analysis, and end-to-end initiative delivery. You will research unfamiliar topics; analyze financial, market, and operational data; build analytical models and lightweight Python prototypes; test hypotheses; frame business questions; and develop fact-based recommendations. You will write the memos and presentations that move decisions forward, document conclusions and requirements, coordinate contributors, maintain project plans and follow-ups, and drive multiple initiatives through organizational and technical roadblocks from initial idea through implementation. This role is designed for someone who enjoys learning unfamiliar topics, solving difficult problems, and taking ownership of outco

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Join an organization where your work contributes to a greater purpose. Position Overview: This program is a ten-week internship crafted to provide interns with the opportunity to gain outstanding experience working across a broad spectrum of Freddie Mac’s key capital markets desks. The key focus is to develop future portfolio managers by providing real world training experiences with the goal of learning the full mortgage capital markets life cycle while also providing desk-specific knowledge. Interns will get a chance to learn, be mentored by and work alongside best-in-class professionals on various desks to analyze and support our mission of Making Home Possible. Your placement for the summer will be on a desk that falls within one of these two areas: Front-End: Gain knowledge of how Freddie Mac prices its business through upfront loan pricing, pool securitization and unsecured debt funding through working with one of the front-end capital markets desks Credit Risk: Learning how Freddie Mac manages its credit risk, through rotating on one of the securitized products related desks, including STACR, ACIS, Servicing Capital Markets and Loan Portfolio Management and Structuring We are accepting applications for this position until 10/16/2026. Our Impact: Freddie Mac’s Single Family and Capital Markets Divisions are responsible for handling the ~$3.4 trillion mortgage guarantee and investment portfolios through secondary mortgage market activities such as asset-liability management, loan purchases, servicing transactions, securitization, debt issu