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Freelance Credit Risk Manager Jobs in California

US Bank

Credit Policy Manager

San Francisco, CA · On-site

We are seeking a strong risk leader to head our Credit Policy team, which is part of our Credit ... About the Role The Credit Policy Manager leads a team of professionals responsible for the ...

SoFi

Senior Credit Manager

San Francisco, CA

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 ...

SoFi

Senior Credit Manager

San Francisco, CA · On-site

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 ...

SoFi

Senior Credit Manager

San Francisco, CA · On-site

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 ...

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Freelance Credit Risk Manager information

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.
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Freelance Credit Risk Manager jobs near you

Director, Treasury & Credit Risk

SKIMS

Los Angeles, CA

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 2 days ago

Skims rating

7.5

Company rating: 7.5 out of 10

Based on 10 frontline employees who took The Breakroom Quiz

Job description

SKIMS is a solutions-oriented brand creating the next generation of underwear, loungewear, shapewear, and essentials. We are setting new standards by delivering technically innovative, comfort-driven products with elevated design for everybody.
At the intersection of culture, innovation, and commerce, SKIMS is a global brand redefining modern apparel. Our teams are built on creativity, collaboration, and operational excellence, and we are committed to fostering an inclusive, high-performance environment where ambitious, curious, and values-driven individuals can do the best work of their careers.
As we continue to scale globally, our HQ teams play a critical role in shaping strategy, building world-class infrastructure, and driving sustainable growth across markets.
SKIMS is seeking a Director, Treasury to lead our global treasury and credit risk functions. This is a critical leadership role for a high-growth consumer and retail company embarking on significant international expansion. You will be responsible for building and optimizing the treasury infrastructure that enables SKIMS to scale - owning everything from cash and liquidity management to FX strategy, banking relationships, debt compliance, and enterprise risk. We are looking for a builder: someone who thrives on designing efficient, scalable operations and has the commercial acumen to partner closely with senior leadership.
Treasury
  • Oversee global cash management, liquidity optimization, and investment activities, ensuring financial stability across all entities and geographies.
  • Lead treasury setup and infrastructure for new international markets, including entity banking setup, intercompany funding structures, and repatriation strategies.
  • Oversee daily retail cash operations, including store-level cash management, armored car services, cash reconciliations, and point-of-sale cash handling processes.
  • Build and maintain strong relationships with financial institutions and banking partners, ensuring top-notch service levels, competitive terms, and appropriate risk mitigation.
  • Drive automation and continuous improvement of treasury systems (TMS), payment platforms, and reporting tools to improve operational efficiency and scalability.
  • Streamline treasury processes and controls, and ensure clear documentation of compliance standards and investment policies.
  • Monitor debt, debt covenants, and financing strategies; ensure timely and accurate compliance reporting.
  • Manage foreign exchange risks, including hedging strategies, foreign currency trades, interest rate exposure, and VAT considerations across international markets.
  • Oversee intercompany funding and settlement processes, ensuring alignment with transfer pricing policies.
  • Direct the optimization of transaction costs, including bank and credit card fees, to maximize savings.
  • Lead cash forecasting, ensuring alignment with the Company's operational needs, seasonal retail cycles, and business goals.
  • Establish and maintain global treasury policies around compliance, financial controls, investment strategy, and reporting.
  • Develop and maintain financial risk management strategies.

Risk Management
  • Oversee the strategic management and implementation of credit risk across the organization, in partnership with Finance and Legal.
  • Manage corporate and credit insurance-related projects, coordinating with both internal and external stakeholders.
  • Oversee relationships with third-party insurance brokers, setting clear expectations and ensuring service standards are met.
  • Work internally and externally to set and enforce credit limits and insurance coverage for customers to prevent overextension and potential financial risks.
  • Identify and evaluate the Company's exposure to potential liability, counterparty risk, and key vendor/supplier risk, particularly in the context of retail partnerships and wholesale accounts.
  • Establish and oversee business and credit insurance coverage including bank guarantees / letters of credit - including making recommendations on coverage and retentions, negotiating placement of policies, and ensuring appropriate programs are in place.
  • Own annual renewals of all business and credit insurance programs.
  • Bachelor's degree in Finance or Accounting; MBA or CPA preferred.
  • Certified Treasury Professional (CTP) preferred.
  • 10+ years of relevant treasury experience, ideally including time in a high-growth or scaling environment.
  • Experience in retail or consumer goods industry strongly preferred - familiarity with seasonal cash cycles, inventory dynamics, and store-level operations is a plus.
  • Demonstrated experience building or scaling treasury functions, not just maintaining them.
  • Experience in credit and risk management, treasury management, and managing banking relationships.
  • Proficiency with ERP and treasury management systems; experience with NetSuite a plus.
  • Ability to translate complex financial data into clear, actionable business strategies.
  • Excellent communication skills with the ability to interact effectively with C-Suite, Senior Leadership, and key stakeholders.
  • Demonstrated strategic, financial, and managerial acumen.
  • Proven ability to effect, influence, and manage change in a fast-moving organization.
  • Ability to build, grow, and deepen relationships with a wide range of internal and external stakeholders.
Benefits and Culture
  • Up to 100% Company Paid Healthcare (medical, dental, vision) 
  • Kind Body Fertility Benefits   
  • 401(k) savings plan with up to 4% match 
  • Unlimited PTO  
  • Full Access to LinkedIn learning 
  • Employee Discounts  
Perks (HQ Location)
  • Free weekly catered lunch at HQ - M/T/W/Th
  • Dog-Friendly office on a Thursday and Friday
  • Free Swag Giveaways  
  • Annual Holiday Party 
  • Annual Summer Party  
  • Invitations to pop-ups and other company events  
  • Complimentary daily office snacks and beverages  

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