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Freelance Credit Risk Modeling Jobs in Texas (NOW HIRING)

Braviant Holdings

Senior Credit Risk Analyst

Dallas, TX · On-site

Strong experience with Python for data analysis and modeling * Working knowledge of credit risk concepts: scorecards, vintage analysis, delinquency curves, loss forecasting * Ability to communicate ...

HSBC Global Services Limited

Proactively identify emerging risks (market, sector, model, correlation, concentration, liquidity ... Risk appetite and governance: Contribute to risk appetite calibration, deal guidelines, portfolio ...

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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 Texas?

The most popular types of Credit Risk Modeling jobs in Texas are:

What are popular job titles related to Freelance Credit Risk Modeling jobs in Texas?

For Freelance Credit Risk Modeling jobs in Texas, the most frequently searched job titles are:

What job categories do people searching Freelance Credit Risk Modeling jobs in Texas look for?

The top searched job categories for Freelance Credit Risk Modeling jobs in Texas are:

What cities in Texas are hiring for Freelance Credit Risk Modeling jobs?

Cities in Texas with the most Freelance Credit Risk Modeling job openings:

Freelance Credit Risk Modeling jobs near you
Infographic showing various Freelance Credit Risk Modeling job openings in Texas as of August 2026, with employment types broken down into 1% As Needed, 89% Full Time, 8% Part Time, and 2% Contract. Highlights an 87% Physical, 5% Hybrid, and 8% Remote job distribution.

Senior Credit Risk Analyst

Braviant Holdings

Dallas, TX • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 7 days ago

Job description

Title: Senior Credit Risk Analyst
Function: Credit Risk
Reports to: Head of Credit
Level: Mid-Level / Senior
Location: Addison, TX (5 days/week in-office)
Please note: This position is open to candidates within commuting distance to the DFW metro area only. Applicants must reside in Texas and be authorized to work in the United States. Applications from candidates outside of Texas will not be considered at this time. While we appreciate interest from all applicants, Braviant Holdings is unable to sponsor visas at this time.
Who We Are
Founded in 2015 and based in Chicago, IL, privately held Braviant Holdings, LLC is a leading provider of tech-enabled consumer credit products that combine breakthrough technology and cutting-edge machine learning to transform how people access credit online. Our next-generation approach to lending reduces credit barriers and creates a Path to Prime®, helping millions of underbanked consumers build credit history, reduce their cost of borrowing, and take control of their personal finances. Braviant has been named multiple times to the Inc. 5000 list of fastest growing private companies and has been recognized as a Best Place to Work.
We are a lean team of approximately 40 people. Everyone rolls up their sleeves here, including this role.
Position Summary
The Senior Credit Risk Analyst supports the full credit risk lifecycle at Braviant, from originations strategy and underwriting analytics to portfolio monitoring and loss forecasting. This is a highly technical, execution-focused role for someone who is equally comfortable writing production SQL/Python, building a segmentation strategy, and presenting findings to senior leadership. You will work directly with the Head of Credit to develop and refine the risk strategies that drive portfolio performance across our direct mail and digital lending channels.
This is a hands-on, high-impact role suited for someone who is analytical, detail-oriented, and biased toward action, not just case review.
What You'll Be Doing
  • Track and analyze key portfolio metrics including FPD, GNS, delinquency roll rates, and D2M performance across origination cohorts and risk segments
  • Build and maintain dashboards and recurring reporting that surface early warning signals and portfolio trends
  • Conduct vintage analysis, loss curve development, and cohort-level performance reviews to support monthly and quarterly business reviews
  • Support the design and evaluation of originations strategies, score cutoffs, and underwriting policy changes across DM and digital channels
  • Analyze the performance impact of ongoing A/B tests and pricing experiments, translating results into actionable recommendations

What You Will Bring
Required
  • 3 to 5 years of experience in credit risk, consumer lending analytics, or a closely related quantitative role
  • Strong SQL skills; you write complex queries without a template
  • Strong experience with Python for data analysis and modeling
  • Working knowledge of credit risk concepts: scorecards, vintage analysis, delinquency curves, loss forecasting
  • Ability to communicate analytical findings clearly to non-technical stakeholders

Preferred
  • Experience in subprime consumer lending, fintech, payments, or another regulated financial services technology environment.
  • Familiarity with credit decisioning, underwriting strategy, or fraud detection
  • Experience working in a regulated financial services environment
  • Exposure to A/B testing, experimentation frameworks, or champion/challenger strategies

Benefits & Perks
Compensation at Braviant is competitive and commensurate with experience. Details will be discussed with qualified candidates during the interview process. In addition, we provide:
  • Comprehensive healthcare including medical, dental, and vision coverage
  • Generous paid time off, including PTO, sick time, and 13 company holidays
  • 401(k) with company contribution
  • Participation in annual discretionary bonus plan
  • Regular team and company gatherings

Braviant is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, marital status, veteran status, disability status, or any other characteristic protected by applicable law.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

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