Senior Credit Risk Modeler
$40–80/hr
Remote STEM contract with Alignerr, $40–80/hr, open to people in United States. Posted Oct 23.
$40–80/hr
Apply on AlignerrIs this job worth applying to?
- Pay
- About typicalTops out at $80/hr. The typical top rate across 148 priced STEM listings is $70/hr.
- Getting in
- Hard to get in~1–2 hours of assessments. Valid government photo ID.
- Steady work
- Work is patchyFeast-or-famine project volume.
- Payout record
- Some delaysSchedule: weekly, by Friday for the prior Monday–Sunday. Paid via Stripe or PayPal (depends on country).
- Freshness
- RecentPosted 2w ago. Still listed on Alignerr on Nov 6, 2026.
- Where you live
- Named countries onlyOpen in United States.
The job description
About the Role
What if your deep knowledge of credit risk frameworks could directly influence how financial institutions assess, validate, and improve their most critical models? We're looking for a Senior Credit Risk Modeler to evaluate credit scoring models, validate PD/LGD/EAD methodologies, and ensure regulatory alignment across risk-modeling workflows.
This is a fully remote, flexible contract role built for seasoned quantitative professionals who want meaningful, high-impact work on their own terms.
What You'll Do
- Analyze credit risk models and rigorously validate their underlying assumptions
- Review PD (Probability of Default), LGD (Loss Given Default), and EAD (Exposure at Default) frameworks for accuracy and completeness
- Identify inconsistencies in risk scoring logic, segmentation criteria, and model architecture
- Summarize model performance and pinpoint areas requiring recalibration or redesign
- Assess regulatory alignment and evaluate the quality of model documentation
- Support recurring reviews of credit risk datasets and scoring outputs
Who You Are
Must-Have:
- Solid background in credit risk modeling, quantitative finance, or applied statistics
- Deep, hands-on understanding of PD/LGD/EAD metrics and regulatory risk concepts
- Strong analytical thinking with the ability to communicate findings clearly in writing
- Proven ability to work independently and deliver structured, high-quality assessments
Nice to Have:
- Experience working with or within financial institutions, banks, or lending platforms
- Familiarity with Basel II/III, IFRS 9, or other regulatory credit risk frameworks
- Background in model validation, model risk management, or internal audit functions
Why Join Us
- Fully remote and flexible — work on your schedule, from anywhere
- Engage with complex, intellectually stimulating credit risk challenges
- Freelance autonomy with the structure of meaningful, ongoing project work
- Contribute expertise that directly shapes the quality and integrity of risk models
- Potential for recurring engagements as new model validation cycles launch
How do you apply to Alignerr?
Apply on Alignerr
The Apply button opens this post on Alignerr's own site. You apply with them, not with Rubric. Budget about 1–2 hours of assessments.
Get through screening
What Alignerr asks for after you apply:
- Take the TestGorilla skills assessment (usually one attempt per role)
- Verify your identity with Persona
- Join the Alignerr Slack community
- Set up payouts once you are assigned to a project
Start work and get paid
Pay schedule: weekly, by Friday for the prior Monday–Sunday. Paid via Stripe or PayPal (depends on country). You're paid for the work they hand out, not a fixed salary.
Alignerr also needs
- Valid government photo ID
- Degree or professional experience for expert roles
- Webcam for proctored assessments on some roles
Red flags
- Red flagLong gaps with no project after passing
- Red flagWorker reports of delayed or withheld payments on Glassdoor
What is Alignerr like to work for?
Labelbox's contractor network, which hires generalists and domain experts to label data and write and grade AI training tasks.
| Advertised pay | $15–150/hr |
|---|---|
| Getting in | Hard to get in |
| Application takes | ~1–2 hours of assessments |
| How you get paid | Weekly, by Friday for the prior Monday–Sunday, via Stripe or PayPal (depends on country) |
| Payout record | Some delays |
| Countries | Accepts most countries but blocks signups from about two dozen; posts India-specific roles such as Hindi, Telugu and Indian-English language and cultural review work. |
Generalist and bilingual work is around $15–20/hr, coding QA $30–40/hr, and senior software, advanced math, medical and law roles $70–150/hr; some projects pay per approved task.
