Top Risk Analyst Jobs in San Francisco Bay Area, CA

Perform enhanced customer due diligence and KYC reviews for North America merchants, analyze and document organizational changes, verify documentation, advise internal teams, drive process improvements and support onboarding while maintaining a risk-based approach.

Lead second-line oversight of small business credit risk through advanced analytics, monitoring KPIs/KRIs, roll rates, delinquency, and credit loss trends. Evaluate and optimize portfolio management policies, ensure regulatory readiness and adherence to risk appetite, provide data-driven challenge to first line, and communicate findings to management.

The CDD Risk Analyst performs enhanced due diligence and KYC checks, collects customer information, advises teams, and improves processes.

Join a collaborative team to identify and manage risks across global businesses through analysis and practical application, enhancing skills in finance and risk management during a paid internship.

Lead loss mitigation, predictive collections, and loss forecasting (CECL) for consumer lending. Build data models and contact strategies, align conversational operations, manage credit loss budgets, vendor selection, and present risk insights to executive stakeholders.

Design and own loss mitigation, predictive collections, and CECL loss forecasting. Partner with Operations to implement conversational contact strategies (WhatsApp/SMS), build propensity-to-pay and recovery models, manage credit loss budgeting and capacity planning, and evaluate/onboard third-party collections vendors and software to protect capital and optimize recoveries.

Lead design and execution of loss mitigation, predictive collections, and CECL loss forecasting. Build data models and contact strategies, align conversational operations, manage credit loss budgeting, and evaluate third-party vendors to maximize recoveries and protect the balance sheet.

Lead loss mitigation, forecasting, and collections strategy for consumer lending. Build CECL-based loss forecasts, predictive propensity-to-pay models, automated contact strategies (WhatsApp/omnichannel), manage credit loss budgets, and evaluate third-party recovery vendors while presenting impacts to executive leadership.

Develop and test credit and fraud strategies using data, machine learning, and advanced analytics. Design A/B tests, analyze portfolio performance, identify trends, and partner with Data Science, Product, and Engineering to implement and validate risk decisions. Communicate findings and conduct ad-hoc analyses to optimize marketplace credit outcomes.

Support fintech partner risk management across the Bank's BaaS portfolio: perform due diligence and risk assessments, monitor post-onboarding compliance, test controls, track remediation, liaise with internal teams and partners on financial-crimes and regulatory compliance, and maintain risk remediation roadmaps and reporting.

Identify and assess financial crime risks, conduct data-driven reviews and monitoring, redesign and scale compliance processes, advise stakeholders, ensure regulatory and partner requirements are met, and recommend process and policy improvements to mitigate emerging risks.

Analyze credit policy, approval rates, vintage performance, and portfolio metrics to inform credit strategy. Monitor model/scorecard performance, run tradeoff and scenario analyses, support pricing/term decisions, and produce recurring portfolio reporting and dashboards. Collaborate with collections, fraud, finance, and tech on reporting, model validation, and decisioning platform improvements.

Support development and administration of global corporate insurance and risk management programs. Manage insurance renewals, multi-line claims (reporting, development, settlements), procure insurance and surety bonds, coordinate service providers, assess reserves, generate loss histories, support risk-reduction policies and audits, and assist the Director of Risk Management on strategic initiatives and special projects.

Lead credit analytics for the Send Now Pay Later product: build and maintain credit policies, pricing models, vintage and NPV analyses, executive reporting, model integration and testing, and explore alternative data to optimize approval rates and portfolio health.

Lead credit analytics for the Send Now Pay Later product: build and optimize valuation, vintage and NPV models; manage credit policies, portfolio monitoring, and NPL reporting; integrate and test scoring models with engineering/data science; and research alternative data to improve predictive performance.

Lead credit analytics for the Send Now Pay Later product: deliver executive portfolio health reporting, NPL trend analysis, and financial/vintage/NPV modeling. Design end-to-end credit frameworks and acquisition/customer management policies, monitor cohort performance, integrate and test ML scorecards with engineering, and evaluate alternative data sources to optimize approval rates and limit defaults.

Lead quantitative credit analytics for a Send Now Pay Later (SNPL) product: build and maintain credit policies, pricing and NPV models, vintage analysis, portfolio monitoring, model integration/testing, and alternative data evaluation to optimize approval rates and manage portfolio health.

Supports the bank's Operational Risk Management program by performing risk assessments, identifying control gaps, monitoring internal controls and loss events, maintaining the GRC platform, drafting policies, preparing reports for management, and coordinating with business lines, ERM, IT, Compliance, and Audit.