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Freelance Credit Risk Manager Jobs (NOW HIRING)

usauto

Credit Risk Manager

Duluth, GA · On-site

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

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 ...

MQ Referrals Only

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 ...

Bing Recruitment

Credit Risk Manager

Orlando, FL · On-site

$83K - $143K/yr

Credit Risk Manager Multiple Locations: AL; CA; IL; FL; NJ; NY; NC; PA; TX; VA Pay Range $83,100.00 - $143,500.00 / year Job Overview The Credit Risk Manager is responsible for supervising all ...

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 ...

Truist

Credit Risk Manager I

Atlanta, GA · On-site

Serve as a risk manager for Corporate Banking and Leverage Finance * Provide risk oversight and credit guidance across a diverse portfolio, including investment-grade exposures, leveraged borrowers ...

Truist

Credit Risk Manager I

Charlotte, NC · On-site

Serve as a risk manager for Corporate Banking and Leverage Finance * Provide risk oversight and credit guidance across a diverse portfolio, including investment-grade exposures, leveraged borrowers ...

Td

Credit Risk Strategy Manager I (US)

Wilmington, DE · On-site

$120K - $145K/yr

Risk Management The Credit Risk Strategy Manager I (US) manages the creation, implementation and validation of various risk segmentation strategies including, but not limited to: adjudication ...

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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 9, 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.

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.

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.
More about Freelance Credit Risk Manager jobs
What cities are hiring for Freelance Credit Risk Manager jobs? Cities with the most Freelance Credit Risk Manager job openings:
What are the most commonly searched types of Credit Risk Manager jobs? The most popular types of Credit Risk Manager jobs are:
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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 93% In-person, and 7% Hybrid job distribution, with an average salary of $158,312 per year, or $76.1 per hour.

Credit Risk Manager

usauto

Duluth, GA • On-site

Full-time

Re-posted 15 days ago

Job description

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 diversified analytics role with exposure to multiple internal departments and external business partners.US Auto Sales is a fully integrated automobile retailer that both sells and finances used vehicles to under-served consumers. This is a unique opportunity to be a key participant in driving sales growth while optimizing credit risk and pricing returns.

Bring your strong technical skills, consumer lending experience, and love for data to US Auto and make a difference.

  • Design, develop, and produce reporting for underwriting quality and credit performance.
  • Perform deep analysis to identify drivers of credit performance across consumer segments.
  • Perform and/or support validations and monitoring of credit scorecards.
  • Produce reports and presentations for management and capital markets providers.
  • Develop cash flow and unit economics models to estimate credit and financial performance.
  • Work with credit bureaus and other 3rd party data vendors on established and new initiatives.
  • Develop analysis to detect and mitigate fraud credit applications.
  • Manage the coordination of credit and underwriting changes with IT and business partners.
  • Develop and maintain documentation of underwriting flows, credit policies, and pricing strategies.
  • Develop and propose underwriting policy changes.
  • Serve as the subject matter expert for application processing and credit decisioning systems.
  • Work with Legal and Compliance to ensure credit decisioning scores, strategies, and underwriting processes are compliant with regulatory requirements.
  • Assist in the definition of data models that drive clarity and ease of use for analytics
  • Troubleshoot data integrity issues, perform extensive data validations, and propose solutions and recommendations.

Qualifications

Required

  • Bachelor's Degree in Math, Business, Finance, or related field.
  • 5 - 8 years of experience with credit risk analytics in consumer lending.
  • Excellent communication (verbal and written) with the ability to interact with all employee levels including executive management.
  • Exceptional attention to detail and accuracy, professional attitude, including strong organization and time management skills.
  • Advanced proficiency with Microsoft Excel. Experience with Microsoft suite including Access, Word, PowerPoint, Visio.
  • High proficiency in SQL with extensive experience querying large, complex data sets.
  • Experience with business intelligence tools like Power BI, Tableau, Domo
  • Knowledge of statistical techniques such as logistic regression, segmentation trees, survival analysis, Monte Carlo simulations, etc.

Preferred

  • Graduate degree in related field
  • Auto finance experience
  • Experience with R, SAS, or Python

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