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Freelance Credit Risk Modeling Jobs in California

Travis Credit Union

Credit Policy Analyst

Vacaville, CA · On-site

$107K - $132K/yr

Credit Risk assessment models, Policy updates, Portfolio Analysis, Compliance Audits. Skills: * Quantitative & Analytical Proficiency - Strong ability to analyze financial data, credit models, and ...

Travis Credit Union

Credit Policy Analyst

Vacaville, CA · On-site

$90K - $132K/yr

Credit Risk assessment models, Policy updates, Portfolio Analysis, Compliance Audits. Skills: * Quantitative & Analytical Proficiency - Strong ability to analyze financial data, credit models, and ...

BNY

Vice President, Model Risk Management

Los Angeles, CA · On-site +1

$129K - $179K/yr

May work in one of five disciplines, each responsible for a different type of modeling: 1) Credit Risk Modeling 2) Treasury Modeling 3) Market Risk Modeling 4) Pricing Modeling 5) Forecasting.

Travis Credit Union

Credit Policy Analyst

Vacaville, CA · On-site

$90K - $132K/yr

Credit Risk assessment models, Policy updates, Portfolio Analysis, Compliance Audits. Skills: * Quantitative & Analytical Proficiency - Strong ability to analyze financial data, credit models, and ...

Visa

Director, VCA NA Risk Practice

Foster City, CA · On-site

Lead endtoend credit risk consulting initiatives, contributing to origination and closing of ... Develop customer lifetime value (CLV) and portfolio economics models to inform acquisition ...

Intuit

Senior Staff Fraud Risk Analyst

Mountain View, CA · On-site

$199K - $270K/yr

... models. They will be responsible for developing and maintaining the credit policy for all stages of the product life cycle, and will be accountable for program performance. They will lead a team of ...

Visa

Director, VCA NA Risk Practice

San Francisco, CA · On-site

The Risk Practice advises Visa clients and ecosystem partners on core risk management areas for ... automated credit policy and decisioning solutions, including policy frameworks, model-driven ...

Intuit

Senior Staff Fraud Risk Analyst

Mountain View, CA · On-site

$199K/yr

... models. They will be responsible for developing and maintaining the credit policy for all stages of the product life cycle, and will be accountable for program performance. They will lead a team of ...

US Bank

Credit Risk Python Architect

Los Angeles, CA

$111K - $131K/yr

The Credit Model Ops Orchestration and Solutions team is responsible for design and deployment of custom orchestration platforms designed to support Credit Risk Administration credit models ...

US Bank

Credit Risk Python Architect

San Francisco, CA

$111K - $131K/yr

The Credit Model Ops Orchestration and Solutions team is responsible for design and deployment of custom orchestration platforms designed to support Credit Risk Administration credit models ...

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All JobsCredit Risk Modeling JobsFreelance Credit Risk Modeling JobsFreelance Credit Risk Modeling Jobs in California

Freelance Credit Risk Modeling information

What are the key skills and qualifications needed to thrive as a Freelance Credit Risk Modeler, and why are they important?

To thrive as a Freelance Credit Risk Modeler, you need a strong background in statistics, quantitative finance, and data analysis, typically supported by a degree in finance, mathematics, or a related field. Proficiency in programming languages such as Python, R, or SAS, along with experience using risk modeling software and knowledge of regulatory frameworks like Basel III, is crucial. Excellent communication, project management, and client relationship skills help distinguish top freelancers in this role. These abilities are essential for delivering accurate risk assessments, meeting client expectations, and maintaining compliance in a dynamic financial environment.

What is freelance credit risk modeling?

Freelance credit risk modeling involves independent professionals analyzing and predicting the likelihood that borrowers or counterparties will default on financial obligations. These freelancers use statistical methods, machine learning models, and data analysis to assess credit risk for banks, lenders, or other firms. Their work helps organizations make informed lending decisions, set appropriate interest rates, and comply with regulatory requirements. Freelancers in this field may work on projects like developing credit scorecards, stress testing portfolios, or validating existing risk models.

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

AspectFreelance Credit Risk ModelingCredit Analyst
CredentialsRelevant certifications (e.g., CFA, credit risk certifications), strong quantitative skillsTypically requires a degree in finance, economics, or related field; certifications are a plus
Work EnvironmentIndependent, project-based, remote or client-siteUsually in banks, financial institutions, or corporate offices
Industry UsageUsed by consulting firms, freelance platforms, and financial servicesEmployed directly by financial institutions or corporations
Comparison Search IntentUnderstanding freelance opportunities in credit risk modelingAssessing creditworthiness and risk for lending decisions

Freelance Credit Risk Modeling involves independent, project-based work focusing on developing risk models, often remotely. Credit Analysts work within organizations to evaluate creditworthiness, typically in a structured environment. While both roles require financial expertise and similar credentials, their work settings and employment types differ significantly.

How do freelance credit risk modelers typically collaborate with clients and other stakeholders during projects?

Freelance credit risk modelers usually work closely with client teams such as credit analysts, data engineers, and compliance officers to understand data sources, project objectives, and regulatory requirements. Communication often occurs through regular virtual meetings, progress reports, and collaborative tools to ensure transparency and alignment. Freelancers must be proactive in clarifying goals, sharing preliminary findings, and incorporating feedback to deliver models that meet both technical and business needs. Building strong client relationships and maintaining clear documentation are key to successful collaboration in this role.
What are the most commonly searched types of Credit Risk Modeling jobs in California? The most popular types of Credit Risk Modeling jobs in California are:
What are popular job titles related to Freelance Credit Risk Modeling jobs in California? For Freelance Credit Risk Modeling jobs in California, the most frequently searched job titles are:
What job categories do people searching Freelance Credit Risk Modeling jobs in California look for? The top searched job categories for Freelance Credit Risk Modeling jobs in California are:
What cities in California are hiring for Freelance Credit Risk Modeling jobs? Cities in California with the most Freelance Credit Risk Modeling job openings:
Freelance Credit Risk Modeling jobs near you
Credit Policy Analyst

Credit Policy Analyst

Travis Credit Union

Vacaville, CA • On-site

$107K - $132K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 11 days ago

Job description

Description
Schedule: Monday -Friday 40 hours/week
Hybrid: 2 days per week (Tuesday/Thursdays) in office.
Candidates must live within a reasonable commuting distance of the communities served by Travis Credit Union, which include the following counties: Alameda, Colusa, Contra Costa, Merced, Napa, Placer, Sacramento, San Joaquin, Solano, Sonoma, Stanislaus, and Yolo. For hybrid and remote roles, candidates are still required to reside within a commutable distance of our corporate headquarters in Vacaville, California.
We are unable to sponsor or assume sponsorship of employment visas for this position. Candidates must have current authorization to work in the U.S. (no sponsorship available).
Summary: Travis Credit Union's (TCU) Credit Policy Analyst focuses on developing, implementing, and monitoring credit policies to ensure effective risk management, profitability, and compliance. This position is responsible for conducting in-depth analysis of credit data, evaluating existing policies, and ensuring robust compliance with internal standards and external regulatory requirements. The analyst will provide actionable insights to help the organization balance growth with sound credit practices, fostering a stable lending environment.
Profile:
  • Creates and evaluates credit policies that guide lending practices, ensuring they align with regulatory requirements while maintaining profitability.
  • Conducts risk analysis to assess the impact of existing and proposed credit policies on an organization's risk exposure.
  • Ensures lending practices align with internal policies and external regulations.
  • Assesses the effectiveness of credit policies and recommends adjustments to improve outcomes.
  • Conducts industry and economic analysis to identify trends and/or opportunities that may impact credit policies.
  • Collaborates with teams across finance, risk management, and operations to implement and enforce credit policies.
    • Examples: Credit Risk assessment models, Policy updates, Portfolio Analysis, Compliance Audits.

Skills:
  • Quantitative & Analytical Proficiency - Strong ability to analyze financial data, credit models, and market trends to recommend sound policy and guidelines.
  • Credit Risk Assessment and Policy Development - Evaluating borrower creditworthiness using financial metrics and credit scoring models. An understanding of policy frameworks and risk appetite alignment.
  • Regulatory Compliance - Familiarity with FCRA, ECOA, Basel III, and other relevant regulations.
  • Market Research & Competitive Analysis - Ability to assess market conditions and competitor credit strategy to make informed decisions.
  • Problem-Solving - Identifying root causes of credit performance issues and proposing solutions.
  • Data Visualization & Reporting - Proficiency in tools like Excel, Tableau, Power BI, and SQL to present credit risk insights.
  • Communication - Ability to collaborate with stakeholders, clearly articulate analysis and policy rationale, and present lending recommendations.

Reporting & Experience:
Credit Policy Analyst:
  • Reports directly to assigned department leadership.
  • Bachelor's degree in finance, economics, business administration, mathematics, statistics, analytics or a related field; or equivalent related work experience.
  • Minimum of 3 years professional experience in credit policy analysis or policy development.
  • Minimum of 2 years utilizing analytic tools, key performance indicators, and solutions to inform business decisions and policy strategy.
  • Data Visualization certification (i.e. Tableau, Power BI) or SQL certification desired.

Sr. Credit Policy Analyst
  • Reports directly to assigned department leadership.
  • Bachelor's degree in finance, economics, business administration, mathematics, statistics, analytics or a related field; or a master's degree with a minimum of 2 years of equivalent related work experience; or equivalent related work experience.
  • Minimum of 5 years professional experience in credit policy analysis or policy development.
  • Minimum of 4 years utilizing analytic tools, key performance indicators, and solutions to inform business decisions and policy strategy.
  • Data Visualization certification (i.e. Tableau, Power BI) or SQL Certification desired.

Compensation: Base salary starting range is commensurate with experience.
  • Credit Policy Analyst: Grade 16 Non-Exempt: $43.31/hour - $53.50/hour
  • Sr. Credit Policy Analyst: Grade 18 Exempt: $107,016.00/annually - $132,204.80/annually

Our compensation philosophy considers various factors, including the scope and responsibilities of the position, as well as a candidate's experience, education/training, and key skills.
Benefits:
At Travis Credit Union, we prioritize the well-being of our employees and their families by providing a comprehensive Total Rewards program that supports their health, welfare, and financial security. In turn, this enables our employees to focus on delivering exceptional service to our members and meeting the goals of the credit union.
Eligible employees enjoy a robust benefits package, which includes:
  • Competitive medical, dental, and vision insurance
  • Mental health and wellness programs
  • Employee performance incentive plan
  • Merit-based salary increases
  • 401(k) program with immediately vested employer match
  • Generous holiday and vacation policies
  • Exclusive TCU perks such as employee loan and credit card discounts

Travis Credit Union is an Affirmative Action Employer.
EOE / Individuals with Disabilities / Veteran Status

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