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Freelance Credit Risk Manager Jobs (NOW HIRING)

DV Trading

Credit Risk Manager

Chicago, IL

Overview: DV is looking for a Credit Risk Manager to lead its counterparty and credit risk management function by evaluating clients, counterparties, and credit investments while identifying ...

DV Trading

Credit Risk Manager

Chicago, IL · On-site

$150K - $200K/yr

DV is looking for a Credit Risk Manager to lead its counterparty and credit risk management function by evaluating clients, counterparties, and credit investments while identifying, measuring, and ...

DV Trading

Credit Risk Manager

Chicago, IL · On-site

$150K - $200K/yr

DV is looking for a Credit Risk Manager to lead its counterparty and credit risk management function by evaluating clients, counterparties, and credit investments while identifying, measuring, and ...

IQVIA

Credit Risk Manager

Durham, NC · On-site

$70K - $176K/yr

Manager, Emerging Client Collections The Manager, Credit Risk is responsible for supporting enterprise credit risk governance through customer credit assessments, payment schedule approvals, contract ...

New

Talen Energy

Credit Risk Manager

Houston, TX · On-site

Credit Risk Manager Houston TX | Credit At Talen Energy This is a senior-level energy credit risk role combining credit analysis, trading exposure management, collateral and liquidity management ...

New

Talen Energy

Credit Risk Manager

Houston, TX

Credit Risk Manager Houston TX | Credit At Talen Energy This is a senior-level energy credit risk role combining credit analysis, trading exposure management, collateral and liquidity management ...

New

Talen Energy

Credit Risk Manager

Houston, TX

Credit Risk Manager Houston TX | Credit At Talen Energy This is a senior-level energy credit risk role combining credit analysis, trading exposure management, collateral and liquidity management ...

New

IQVIA, Inc.

Credit Risk Manager

Durham, NC · On-site

$70K - $176K/yr

Manager, Emerging Client Collections The Manager, Credit Risk is responsible for supporting enterprise credit risk governance through customer credit assessments, payment schedule approvals, contract ...

New

usauto

Credit Risk Manager

Duluth, GA

Position Summary The Credit Risk Manager will be responsible for reporting, analytics and credit strategy formulation to support credit underwriting for US Auto's auto financing business. This is a ...

Made Card

Credit Risk Manager

New York, NY · Remote

$100K - $110K/yr

About the Role The Credit Risk Manager will play a critical role in shaping and leading Made Card's credit risk strategy across the customer lifecycle. You'll drive underwriting, pricing ...

Made Card

Credit Risk Manager

New York, NY · On-site

$100K - $110K/yr

About the Role The Credit Risk Manager will play a critical role in shaping and leading Made Card's credit risk strategy across the customer lifecycle. You'll drive underwriting, pricing ...

Marqeta, Inc

Credit Risk Manager

As Marqeta's Credit Risk Manager you will lead credit underwriting and account management for our SMB and commercial card programs, helping us launch and scale credit offerings for small, mid-market ...

Valley Bank

Credit Risk Manager

Tampa, FL · On-site

... management. Identifies, outlines, and mitigates risks associated with potential lending ... Ensures credits are accurately risk rated and are properly monitored and reported. * Prepares all ...

New

Valley Bank

Credit Risk Manager

Los Angeles, CA · On-site

... management. Identifies, outlines, and mitigates risks associated with potential lending ... Ensures credits are accurately risk rated and are properly monitored and reported. * Prepares all ...

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Freelance Credit Risk Manager information

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$86.5K

$158.3K

$239.5K

How much do freelance credit risk manager jobs pay per year?

As of Aug 30, 2026, the average yearly pay for freelance credit risk manager in the United States is $158,312.00, according to ZipRecruiter salary data. Most workers in this role earn between $133,500.00 and $177,500.00 per year, depending on experience, location, and employer.

What does a freelance credit risk manager do?

A Freelance Credit Risk Manager is an independent professional who evaluates and manages the risk associated with lending money or extending credit to clients or businesses. Their main responsibilities include analyzing financial statements, assessing creditworthiness, setting credit limits, and recommending risk mitigation strategies. They often work with banks, financial institutions, or companies on a project basis, providing expert advice without being a full-time employee. By identifying potential risks, they help ensure that clients make sound lending decisions and minimize potential financial losses.

How does a freelance credit risk manager typically collaborate with clients and stakeholders?

As a Freelance Credit Risk Manager, you’ll frequently work with clients’ finance teams, senior management, and sometimes external auditors to assess and mitigate credit risks. Collaboration often takes place via virtual meetings, email communications, and shared project management tools, since many engagements are remote or hybrid. You’ll be expected to present your analyses, explain risk models, and provide actionable recommendations tailored to each client’s unique needs. Building strong relationships and clear channels of communication is essential for delivering value and ensuring your assessments are effectively implemented.

What are the key skills and qualifications needed to thrive as a freelance credit risk manager, and why are they important?

To thrive as a Freelance Credit Risk Manager, you need a solid background in finance, risk assessment, and data analysis, typically supported by a degree in finance, economics, or a related field. Familiarity with credit risk modeling software, financial databases, and relevant certifications such as FRM or CFA is often required. Strong communication, independent problem-solving, and client management skills help distinguish top performers in this role. These abilities ensure accurate risk evaluation, build client trust, and support effective decision-making in dynamic environments.

What is the difference between Freelance Credit Risk Manager vs Credit Analyst?

AspectFreelance Credit Risk ManagerCredit Analyst
CredentialsRelevant certifications (e.g., CFA, credit risk certifications), experience in credit risk managementOften requires finance or accounting degrees, certifications like CFA or CPA beneficial
Work EnvironmentIndependent, remote or client-site, project-basedTypically in banks, financial institutions, or corporate finance teams
Employer & IndustryFreelance/consulting firms, financial services, lending companiesBanks, investment firms, corporate finance departments

While both roles involve assessing creditworthiness, a Freelance Credit Risk Manager focuses on managing credit risk strategies for multiple clients independently, whereas a Credit Analyst primarily works within organizations to evaluate individual credit applications. The freelance role offers flexibility and project-based work, while the credit analyst role is usually within a corporate or banking environment.

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Freelance Credit Risk Manager jobs near you
Infographic showing various Freelance Credit Risk Manager job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 90% In-person, and 10% Hybrid job distribution, with an average salary of $158,312 per year, or $76.1 per hour.

Credit Risk Manager

First Electronic Bank

Salt Lake City, UT • On-site

Full-time

Posted 11 days ago

Job description

Job Type
Full-time
Description
At First Electronic Bank (FEB), we are driven by the purpose to make credit accessible to everyday Americans, and their businesses. Partnering with some of the most innovative FinTech companies in the nation, we offer a wide range of consumer and commercial credit products on a national basis. Offering revolving lines of credit, private-label credit cards, installment financing programs and more, FEB's engages with strategic, collaborative partnerships, promoting services and products to provide the most beneficial consumer and commercial financing solutions.
The Credit Risk Manager serves as the primary credit risk subject matter expert for assigned Strategic Partner programs. This role maintains a deep understanding of partner underwriting frameworks, customer application processes, credit decisioning methodologies, testing strategies, and portfolio performance drivers. The position is responsible for evaluating underwriting effectiveness, monitoring portfolio performance, and assessing the impact of proposed credit strategy changes on risk and expected outcomes.
Working closely with Strategic Partner Managers, Compliance, Legal, Model Risk Management, and other key stakeholders, the Credit Risk Manager provides independent oversight and effective challenge of partner credit programs. The role reviews and approves credit strategy changes through the Bank's governance framework, ensuring underwriting practices remain aligned with FEB Credit Policy, approved risk tolerances, and overall risk management objectives.
What You'll Do:
  • Serve as the primary Credit Administration subject matter expert for assigned Strategic Partner underwriting programs and related credit strategies.
  • Maintain a comprehensive understanding of assigned Strategic Partner credit programs, including customer application flows, underwriting methodologies, credit decisioning strategies, policy rules, testing frameworks, portfolio performance drivers, and key credit risk indicators.
  • Lead the Strategic Partner Credit Strategy Change Request process and associated recordkeeping for assigned programs.
  • Review, challenge, and approve proposed underwriting and credit strategy changes by assessing their potential impact on portfolio performance, credit risk, customer outcomes, approval rates, loss performance, and alignment with approved risk tolerances.
  • Evaluate underwriting methodologies, decision strategies, policy rules, testing results, and portfolio performance outcomes to ensure credit programs operate as expected and remain aligned with the FEB Credit Policy, approved risk tolerances, and risk management expectations.
  • Participate in due diligence initiatives for new products launched in partnership with Strategic Partners, with a particular emphasis on enabling the development of credit programs and the origination of financial receivables.
  • Perform Credit Policy adherence testing and prepare related reporting for management and governance committees.
  • Monitor for credit policy gaps and collaborate with Strategic Partner teams to ensure timely remediation of identified policy adherence issues.
  • Review static pool analyses, portfolio performance reporting, and key credit risk metrics to evaluate how underwriting strategies, decisioning methodologies, testing initiatives, and credit policy changes influence portfolio performance, customer outcomes, and overall credit risk, and to assess whether results align with expected outcomes.
  • Collaborate with internal stakeholders, including but not limited to, Strategic Partner Managers, Compliance, Legal, and Model Risk Management, to ensure effective oversight of assigned credit programs.
  • Collaborate with internal stakeholders to ensure shared deadlines and Service Level Agreements (SLAs) are met.
  • Work with management to develop, enhance, and administer credit risk governance processes supporting Strategic Partner oversight and internal credit activities.
  • Participate in and provide information and documentation in support of internal audits, external audits, regulatory examinations, and independent reviews.
  • Prepare and present partner performance, underwriting strategy changes, credit strategy trends, and emerging credit risk matters to the Credit Committee and other governance committees, as appropriate.
  • Identify emerging credit risk issues and escalate material concerns to management and appropriate governance committees.

Requirements
What We're Looking For:
  • Bachelor's degree in finance, Business, Economics, Risk Management or a related field.
  • Minimum of 5 years of experience in banking, financial services, credit risk management, or a related field.
  • Strong analytical, problem-solving, credit analysis, and data interpretation skills.
  • Experience working with large datasets to analyze credit performance, underwriting outcomes, and credit risk trends.
  • Working knowledge of Power BI, SQL, Excel, or similar data analysis and reporting tools.
  • Ability to independently extract, validate, analyze, and interpret data to identify emerging risks, performance trends, and actionable insights.
  • Strong understanding of underwriting concepts, credit decisioning methodologies, credit policies, and risk-based lending strategies.
  • Experience evaluating underwriting performance through testing frameworks such as A/B testing, champion/challenger testing, segmentation analysis, or similar strategy validation techniques.
  • Experience with credit origination strategies and portfolio performance monitoring.
  • Ability to understand and clearly communicate complex credit strategies and concepts to both credit and non-credit stakeholders.
  • Self-motivated and capable of exercising sound judgment, making risk-based decisions, and identifying when issues require escalation in complex or nuanced situations.
  • Ability to work effectively in a cross-functional, collaborative environment.
  • Strong organizational skills with the ability to manage multiple priorities and meet deadlines.
  • Demonstrated ability to work independently with minimal supervision and drive assignments to completion in a deadline-driven environment.
  • Experience preparing materials for management committees, audits, examinations, or risk governance activities preferred.
  • Experience working with fintech partners, third-party credit programs, or Banking-as-a-Service (BaaS) environments preferred.

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