Senior Credit Risk & Scoring Consultant – Contract

No Sweat → Work

Credit Risk & Scoring Consultant improving credit risk capability for a fast-growing lending business. Seeking hands-on experience to enhance portfolio performance and compliance.

Posted 5/25/2026contractRemote • 🇿🇦 South AfricaSenior💰 ZAR 1,700 per hourWebsite

About the role

Key responsibilities & impact

Develop and implement custom credit scorecards
Improve willingness-to-pay and affordability assessment models
Review and optimize debit check and income verification processes
Build segmentation strategies for different customer risk profiles
Create risk-based pricing and approval frameworks
Establish portfolio monitoring and early warning systems
Design end-to-end credit risk management frameworks
Establish lending policies, procedures, and governance controls
Create operational risk and collections management processes
Define credit approval authorities and escalation procedures
Implement portfolio performance reporting and KPI dashboards
Improve arrears management and collections strategies
Assist in building a healthy, scalable loan book
Improve portfolio profitability and risk-adjusted returns
Optimize underwriting and collections strategies
Support portfolio growth while managing default risk
Advise on provisioning, write-off, and recovery strategies
Define roles, responsibilities, and operating models
Mentor internal staff and leadership teams
Introduce best practices in credit operations and risk management
Support recruitment and capability development where necessary

Requirements

What you’ll need

10+ years’ experience in credit risk, lending, banking, fintech, or microfinance
Proven track record building or improving credit scoring systems
Strong experience in unsecured lending and consumer finance
Deep understanding of affordability assessments and collections strategies
Experience managing or advising on loan books at scale
Demonstrated success reducing default rates and improving portfolio performance
Experience establishing credit policies, governance, and operational frameworks
Strong analytical and strategic problem-solving capabilities

Benefits

Comp & perks

🌐 Worldwide ❌ Jobs You've Hidden ⭐️ Saved Jobs ✅ Applied Jobs ✉️ Email Alerts 👤 Account No Sweat → Work Website LinkedIn All Job Openings 1 - 10 employees Founded 2015 🤝 B2B 🎯 Recruiter 🏪 Marketplace B2B
Recruitment
Marketplace No Sweat → Work is a platform based in South Africa that connects employers with freelance and full-time talent in fields such as advertising, design, marketing, media, and public relations. Unlike traditional recruitment agencies, No Sweat simplifies the hiring process by enabling direct connections between clients and job seekers, managing various administrative tasks like invoicing and payments. With over 10,000 available candidates and a robust track record of successful placements, No Sweat → Work aims to efficiently match talent with project requirements. Senior Credit Risk & Scoring Consultant – Contract Job not on LinkedIn 🔥 0 minutes ago 🇿🇦 South Africa – Remote 💵 R1.7k / hour ⏳ Contract/Temporary 🟠 Senior 💼 Consultant Apply Now Find Hiring Managers Customize resume + cover letter Report problem ☆ Save ☑️ Mark as applied ❌ Hide 📋 Description
Develop and implement custom credit scorecards
Improve willingness-to-pay and affordability assessment models
Review and optimize debit check and income verification processes
Build segmentation strategies for different customer risk profiles
Create risk-based pricing and approval frameworks
Establish portfolio monitoring and early warning systems
Design end-to-end credit risk management frameworks
Establish lending policies, procedures, and governance controls
Create operational risk and collections management processes
Define credit approval authorities and escalation procedures
Implement portfolio performance reporting and KPI dashboards
Improve arrears management and collections strategies
Assist in building a healthy, scalable loan book
Improve portfolio profitability and risk-adjusted returns
Optimize underwriting and collections strategies
Support portfolio growth while managing default risk
Advise on provisioning, write-off, and recovery strategies
Define roles, responsibilities, and operating models
Mentor internal staff and leadership teams
Introduce best practices in credit operations and risk management
Support recruitment and capability development where necessary 🎯 Requirements
10+ years’ experience in credit risk, lending, banking, fintech, or microfinance
Proven track record building or improving credit scoring systems
Strong experience in unsecured lending and consumer finance
Deep understanding of affordability assessments and collections strategies
Experience managing or advising on loan books at scale
Demonstrated success reducing default rates and improving portfolio performance
Experience establishing credit policies, governance, and operational frameworks
Strong analytical and strategic problem-solving capabilities Apply Now 📊 Check your resume score for this job Improve your chances of getting an interview by checking your resume score before you apply. Check Resume Score Similar Jobs Independent Travel Consultant – Luxury Safari 🕒 January 12 African Safari Group 51 - 200 🚗 Transport Website LinkedIn All Job Openings 🇿🇦 South Africa – Remote ⏳ Contract/Temporary 🟡 Mid-level 🟠 Senior 💼 Consultant Audience Insights Consultant 🕒 July 4, 2025 SSI Asset Management 51 - 200 💸 Finance 🏦 Banking Website LinkedIn All Job Openings Seeking a Freelance Audience Insights Consultant to assess audience engagement for improving brand interactions. 🇿🇦 South Africa – Remote 💵 $300 - $1.2k / month ⏳ Contract/Temporary 🟡 Mid-level 🟠 Senior 💼 Consultant View More Consultant Jobs 🌐 Worldwide Built by Lior Neu-ner. I'd love to hear your feedback — Get in touch via DM or support@remoterocketship.com Search Search Jobs by country Search jobs by city Search jobs by job title Search entry-level jobs Search junior-level jobs Search senior-level jobs Search jobs by tech stack Search jobs by contract type Search remote internships Search remote part-time jobs Remote jobs Anywhere in the World Companies Hiring Anywhere in the World Companies Hiring Sales People Anywhere in the World Companies Hiring Software Engineers Anywhere in the World Resources Advice Tips for finding remote jobs Interview questions and answers Resume examples Cover letter examples Post a job Affiliates Privacy policy Terms of service Job board SEO course AI Apply Copilot OpenClaw job finder Jobs by Country Remote jobs anywhere in the world (Worldwide remote jobs) Remote jobs United States Remote jobs Australia Remote jobs Brazil Remote jobs Canada Remote jobs France Remote jobs Ireland Remote jobs Germany Remote jobs Netherlands Remote jobs Spain Remote jobs UK Popular Jobs Remote data analyst jobs Remote customer support jobs Remote executive assistant jobs Remote marketing jobs Remote product designer jobs Remote product manager jobs Remote project manager jobs Remote recruiter jobs Remote sales jobs Remote software engineer jobs Jobs by Type Remote full-time jobs Remote part-time jobs Remote contract jobs Remote internship jobs Remote entry-level jobs Remote jobs with no experience required Remote junior jobs (1-3 years of experience) Digital nomad jobs Remote jobs with no degree required Freelance remote jobs Temporary remote jobs Remote jobs hiring now Stay at home mom jobs

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Hard Skills & Tools

credit scorecardsaffordability assessment modelsdebit check processesincome verification processesrisk-based pricingcredit risk management frameworksportfolio monitoringKPI dashboardscollections management processesunderwriting strategies

Soft Skills

analytical capabilitiesstrategic problem-solvingmentoringleadershipcommunicationorganizational skillsadvisingcollaborationcapability developmentbest practices introduction