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Freelance Credit Risk Modeling Jobs in Utah (NOW HIRING)

Brex

Director, Collections

Salt Lake City, UT · On-site

You take learnings from each recovery effort to optimize our internal policies and credit risk ... Partner with Data Science and Engineering to build predictive risk models (e.g., propensity to pay ...

Clicklease

Data Scientist Manager

West Valley City, UT · On-site

Translate business questions from Credit Risk, Collections, Finance, Operations, and Sales into well-scoped modeling projects and executive-ready recommendations * Drive evaluation and adoption of ...

Clicklease

Senior Manager, Product Strategy

Salt Lake City, UT · On-site +1

$122.40K - $161.60K/yr

... model yield, cost of capital, and risk-adjusted returns. * Cross-Functional Leadership: Serve as the strategic bridge between Credit, Risk, Legal, and Operations to ensure all new programs are ...

Clicklease

Senior Product Strategy Manager

Salt Lake City, UT · On-site +1

$122.40K - $161.60K/yr

... model yield, cost of capital, and risk-adjusted returns. * Cross-Functional Leadership: Serve as the strategic bridge between Credit, Risk, Legal, and Operations to ensure all new programs are ...

Medallion Bank

VP, Sales

Salt Lake City, UT · On-site

Establish a client engagement model that increases participation (training, promotions, process ... Comfort partnering cross-functionally with Credit/Risk, Operations, Product, and Marketing.

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Medallion Bank

VP, Sales

Salt Lake City, UT · Hybrid

Establish a client engagement model that increases participation (training, promotions, process ... Comfort partnering cross-functionally with Credit/Risk, Operations, Product, and Marketing.

Medallion Bank

VP, Sales

Salt Lake City, UT · On-site

Establish a client engagement model that increases participation (training, promotions, process ... Comfort partnering cross-functionally with Credit/Risk, Operations, Product, and Marketing.

Utah Community Credit Union

VP Service Center

Provo, UT

$131K - $167.90K/yr

Collaborates with Lending and Deposit leaders to align pricing, incentives, and capacity models ... risk management, and process improvement. Strong knowledge of credit union operations and NCUA ...

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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.

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 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.

What are the most commonly searched types of Credit Risk Modeling jobs in Utah? The most popular types of Credit Risk Modeling jobs in Utah are:
What are popular job titles related to Freelance Credit Risk Modeling jobs in Utah? For Freelance Credit Risk Modeling jobs in Utah, the most frequently searched job titles are:
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What cities in Utah are hiring for Freelance Credit Risk Modeling jobs? Cities in Utah with the most Freelance Credit Risk Modeling job openings:
Freelance Credit Risk Modeling jobs near you
Director, Collections

Director, Collections

Brex

Salt Lake City, UT • On-site

Full-time

Posted 14 days ago

Job description

Why join us
Brex is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, Brex enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly. Brex's AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most. Tens of thousands of the world's best companies run on Brex, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek.
Working at Brex allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry. We're committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream. We make this a reality by empowering you with the tools, resources, and support you need to grow your career.
Servicing & Collections at Brex
Servicing & Collections plays a critical role in protecting both our customers and our business as Brex continues to scale. The team owns the strategy, operations, and customer engagement across the recovery lifecycle, balancing strong financial outcomes with long-term customer relationships. From high-stakes negotiations and delinquency management to operational tooling, vendor strategy, and cross-functional partnership, the team operates at the center of some of Brex's most important business decisions. This is a highly strategic function focused on building scalable processes, driving operational rigor, and continuously evolving how Brex approaches recoveries and customer servicing in a modern financial ecosystem.
What you'll do
As the Director of Collections, you will lead Brex's strategy and execution in recovering delinquent balances. You will utilize both internal and external tools and resources to identify the cause of non-payment and appropriately respond. You will do this through deploying both automated and human-powered solutions, always balancing Brex's ability to recover with the long-term relationship with the customer. You have proven experience in negotiating challenging, high-balance workouts from an unsecured position. You take learnings from each recovery effort to optimize our internal policies and credit risk positioning.
Beyond Servicing Recoveries, you will also support Account Servicing responsibilities, managing pre-delinquency relationship management, including statement period adjustments, payment delay requests, and manual payment application processes.
This is a highly cross-functional role, with key touchpoints across Credit, Finance, Go-to-Market, and our Customer Support teams.
Where you'll work
This role will be based in our San Francisco, New York, Salt Lake City, or Seattle office. We are a hybrid environment that combines the energy and connections of being in the office with the benefits and flexibility of working from home. We currently require a minimum of three coordinated days in the office per week, Monday, Wednesday and Thursday. As a perk, we also have up to four weeks per year of fully remote work!
Responsibilities
  • Define and execute the multi-year vision for Brex's B2B collections and recovery strategy across our unsecured corporate card and financial products
  • Own the performance metrics for early and late-stage delinquencies, roll rates, and net charge-offs (NCOs). Drive step-function improvements in recovery rates
  • Lead and mentor an internal team of collections managers and specialists
  • Continuously optimize standard operating procedures (SOPs), workflows, and treatment strategies
  • Oversee external collection agencies and legal partners
  • Define placement strategies, negotiate contracts, conduct performance reviews, and ensure rigorous compliance oversight
  • Partner with Data Science and Engineering to build predictive risk models (e.g., propensity to pay), leverage agentic AI for automated outreach, and integrate sophisticated workflow tools to streamline the collections process
  • Act as the feedback loop to the Underwriting and Credit Policy teams, identifying emerging risk trends and helping to refine front-end credit decisions
  • Collaborate with Legal/Compliance to ensure adherence to all commercial lending regulations

Requirements
  • 10+ years of experience in collections, risk operations, or credit cycle management, with at least 5 years focused specifically on B2B / commercial unsecured credit
  • 3+ years of experience in a senior leadership role
  • Deep domain expertise in commercial collections strategies, including workout arrangements, arbitration, bankruptcy proceedings, legal recoveries, and B2B debt settlement
  • Highly analytical and data-driven; comfortable navigating data warehouses, utilizing BI tools (Looker, Hex), and working with data science teams to optimize segmentation strategies
  • Experience operating in a high-growth Fintech or modern banking environment
  • Exceptional executive communication skills with the ability to present complex risk metrics to C-suite leadership and external banking partners

Bonus Points
  • Experience implementing AI-assisted collections outreach and modern CRM/collections software ecosystems
  • Deep understanding of the startup/venture-backed business ecosystem and the unique cash-flow dynamics of early-stage companies

Compensation
The expected salary range for this role is $176,000 - $220,000. However, the starting base pay will depend on a number of factors including the candidate's location, skills, experience, market demands, and internal pay parity. Depending on the position offered, equity and other forms of compensation may be provided as part of a total compensation package.
Brex LLC is a wholly owned subsidiary of Capital One, N.A.
Please be aware, job-seekers may be at risk of targeting by malicious actors looking for personal data. Brex recruiters will only reach out via LinkedIn or email with a brex.com domain. Any outreach claiming to be from Brex via other sources should be ignored.

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