Remote Credit Risk Analyst Jobs
Remote Credit Risk Analyst jobs are in active demand at remote-first companies and large distributed teams, including employers like CVS Health, Apptegy, and ABB, from junior to senior. See the openings below and apply to the ones that match your experience.
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Showing 5 of 185+ Remote Credit Risk Analyst jobs
INTRODUCTION
You will own credit risk for one of the largest asset managers in onchain finance. Gauntlet serves $1.5B+ in client TVL, and every dollar of credit we extend onchain runs through a risk function that is yours to build. This is not a seat where you inherit a model and press run. You will define the underwriting standards, design the frameworks, set the redlines, and be the internal check on every asset-onboarding decision Gauntlet makes, working shoulder-to-shoulder with Capital Markets, Vault Curation, and senior leadership. If you want to build the credit infrastructure for institutional finance moving onchain, rather than maintain someone else's, read on.
ABOUT GAUNTLET
Gauntlet builds the financial systems of the future. While much of onchain finance is focused on point solutions, we operate across the entire stack to offer best-in-class vault products. Today we serve over $1.5B in client TVL across some of the largest fintechs/neobanks, protocols, exchanges, and capital allocators in crypto - and, increasingly, traditional asset management. Our team brings together traditional finance and crypto-native expertise to deliver durable, sophisticated products for institutional clients moving onchain.
THE ROLE
The Credit Risk team runs due diligence on the assets, protocols, and chains supported by Gauntlet's lending and vault products, sets the guardrails that govern our lending activity, and monitors credit assets both off-chain and on-chain. You will work the full credit lifecycle - initial diligence and deal structuring through ongoing portfolio surveillance - across direct lending, structured facilities, and on-chain/off-chain securitization. You own the risk models, the parameters, and the monitoring cadence. You partner with Capital Markets on structuring and with Product and Engineering to embed credit controls directly into our on-chain infrastructure.
- Underwrite institutional and on-chain credit relationships, and build/own the credit models for RWA assets — PD/LGD frameworks, vintage loss curves, advance-rate haircut schedules, and stress scenarios
- Run the due-diligence gate for new credit and asset-issuer relationships: structured protocol reviews (solvency, oracle infrastructure, governance, security posture), historical on-chain data analysis, counterparty financials and legal structure, redlines, and final deal approval
- Set the guardrails for each credit product: minimum rate floors, maximum terms, concentration limits per borrower and asset class, eligible collateral, and first-loss buffer sizing for tranched structures
- Partner with Capital Markets on structuring: credit input on term sheets (rate, term, size, collateral, covenants, margin-call triggers); co-design trust tranches, covenants, advance-rate schedules, and facility limits for securitized products before close
- Monitor the portfolio: borrower financial condition, covenant compliance, delinquency trends, and NAV integrity; flag deterioration early and work remediation or exit with Capital Markets
- Stress the book: elevated delinquency, funding-rate shocks, correlated default, and originator failure — validating that structural protections hold under tail conditions
- Maintain on-chain risk parameters: supply caps, LLTV settings, exposure thresholds, and related controls
- Shape credit terms guidance (what we can offer, at what rate, term, and collateral conditions) and track emerging yield strategies, protocols, and issuers to give Curation a competitive edge
WHAT SUCCESS LOOKS LIKE
First 30 days. Ramp on Gauntlet's vault infrastructure, especially on-chain credit structures. Meet stakeholders across Capital Markets, Strategy & Growth, Product, and Engineering, review the current book and pipeline, and form a clear view of the existing DD framework - including its gaps in coverage, model depth, or monitoring cadence.
First 3 months. Operating as the credit-risk owner across active and incoming deal flow: running your own models on the live pipeline (PD/LGD, stress scenarios), producing structured DD memos and go/no-go recommendations for Capital Markets and Vault Curation, and established as the Credit Risk point of contact on at least one active credit product with monitoring cadence and escalation protocols in place.
In 1 year. Reviewed and closed multiple institutional credit relationships across at least two product types. Running a portfolio-monitoring function with consistent cadence (covenant tracking, delinquency surveillance, stress refresh, parameter maintenance). Recognized internally as the authority on Gauntlet's credit standards, with reusable DD playbooks and risk-parameter frameworks that compress future deal cycles for Credit Risk and Capital Markets.
WHAT YOU BRING
- 3-6 years in credit risk, structured finance, leveraged finance, or asset-backed lending at a leading financial institution, credit fund, or fintech lender
- Direct credit-underwriting experience: PD/LGD modeling, loss-curve and vintage analysis, advance-rate structuring, covenant design, and stress testing
- Hands-on exposure to one or more of: direct lending, warehouse facilities, ABS/CLO structuring, securitization, asset-backed finance, or structured credit
- Strong grasp of legal/structural credit concepts: SPV formation, bankruptcy remoteness, security-interest perfection, covenant packages, and waterfall mechanics
- Portfolio-monitoring experience: delinquency tracking, covenant compliance, borrower financial review, and early-warning systems
- Exceptional written and verbal communication - able to distill complex credit analysis into clear, actionable recommendations for non-credit stakeholders
- Experience building or maintaining quantitative risk models in Python or R
BONUS POINTS
- On-chain credit protocols, DeFi lending markets, or tokenized-asset structures (e.g., Morpho, Aave, tokenized ABS)
- Crypto-native credit risk: smart-contract risk, oracle failure, depeg events, and on-chain collateral liquidity
- Prior work with RWA issuers, fintech lenders, or asset originators — understanding the pipeline and servicing behind the loan tape
- Exposure to prime-brokerage credit, repo, or securities financing from a risk perspective
WHO THRIVES HERE
- Naturally curious about digital assets, DeFi, and the evolution of institutional credit. Prior crypto experience is not required — curiosity is
- Wants to own the full credit function, not just run models. Comfortable building frameworks from scratch, setting standards, and defending views with Capital Markets and senior leadership
- Operates with significant autonomy in an entrepreneurial environment. Wants to build the credit infrastructure, not inherit it
- Analytically rigorous but commercially aware — understands the credit function exists to enable deal flow, not block it, and manages that tension thoughtfully
BENEFITS AND PERKS
- Remote first - work from anywhere in the US & CAN!
- Regular in-person company retreats and cross-country "office visit" perk
- 100% paid medical, dental and vision premiums for employees
- $1,000 WFH stipend
- Monthly reimbursement for home internet, phone, and cellular data
- Unlimited vacation
- 100% paid parental leave of 12 weeks
- Fertility benefits
- Opportunity for incentive compensation
Please note at this time our hiring is reserved for potential employees who are able to work within the contiguous United States and Canada. Should you need alternative accommodations, please note that in your application.
The national pay range for this role is $160,000 - $195,000 base plus additional On Target Earnings potential by level and equity in the company. Our salary ranges are based on paying competitively for a company of our size and industry, and are one part of many compensation, benefits and other reward opportunities we provide. Individual pay rate decisions are based on a number of factors, including qualifications for the role, experience level, skill set, and balancing internal equity relative to peers at the company.
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.
INTRODUCTION
You will own credit risk for one of the largest asset managers in onchain finance. Gauntlet serves $1.5B+ in client TVL, and every dollar of credit we extend onchain runs through a risk function that is yours to build. This is not a seat where you inherit a model and press run. You will define the underwriting standards, design the frameworks, set the redlines, and be the internal check on every asset-onboarding decision Gauntlet makes, working shoulder-to-shoulder with Capital Markets, Vault Curation, and senior leadership. If you want to build the credit infrastructure for institutional finance moving onchain, rather than maintain someone else's, read on.
ABOUT GAUNTLET
Gauntlet builds the financial systems of the future. While much of onchain finance is focused on point solutions, we operate across the entire stack to offer best-in-class vault products. Today we serve over $1.5B in client TVL across some of the largest fintechs/neobanks, protocols, exchanges, and capital allocators in crypto - and, increasingly, traditional asset management. Our team brings together traditional finance and crypto-native expertise to deliver durable, sophisticated products for institutional clients moving onchain.
THE ROLE
The Credit Risk team runs due diligence on the assets, protocols, and chains supported by Gauntlet's lending and vault products, sets the guardrails that govern our lending activity, and monitors credit assets both off-chain and on-chain. You will work the full credit lifecycle - initial diligence and deal structuring through ongoing portfolio surveillance - across direct lending, structured facilities, and on-chain/off-chain securitization. You own the risk models, the parameters, and the monitoring cadence. You partner with Capital Markets on structuring and with Product and Engineering to embed credit controls directly into our on-chain infrastructure.
- Underwrite institutional and on-chain credit relationships, and build/own the credit models for RWA assets — PD/LGD frameworks, vintage loss curves, advance-rate haircut schedules, and stress scenarios
- Run the due-diligence gate for new credit and asset-issuer relationships: structured protocol reviews (solvency, oracle infrastructure, governance, security posture), historical on-chain data analysis, counterparty financials and legal structure, redlines, and final deal approval
- Set the guardrails for each credit product: minimum rate floors, maximum terms, concentration limits per borrower and asset class, eligible collateral, and first-loss buffer sizing for tranched structures
- Partner with Capital Markets on structuring: credit input on term sheets (rate, term, size, collateral, covenants, margin-call triggers); co-design trust tranches, covenants, advance-rate schedules, and facility limits for securitized products before close
- Monitor the portfolio: borrower financial condition, covenant compliance, delinquency trends, and NAV integrity; flag deterioration early and work remediation or exit with Capital Markets
- Stress the book: elevated delinquency, funding-rate shocks, correlated default, and originator failure — validating that structural protections hold under tail conditions
- Maintain on-chain risk parameters: supply caps, LLTV settings, exposure thresholds, and related controls
- Shape credit terms guidance (what we can offer, at what rate, term, and collateral conditions) and track emerging yield strategies, protocols, and issuers to give Curation a competitive edge
WHAT SUCCESS LOOKS LIKE
First 30 days. Ramp on Gauntlet's vault infrastructure, especially on-chain credit structures. Meet stakeholders across Capital Markets, Strategy & Growth, Product, and Engineering, review the current book and pipeline, and form a clear view of the existing DD framework - including its gaps in coverage, model depth, or monitoring cadence.
First 3 months. Operating as the credit-risk owner across active and incoming deal flow: running your own models on the live pipeline (PD/LGD, stress scenarios), producing structured DD memos and go/no-go recommendations for Capital Markets and Vault Curation, and established as the Credit Risk point of contact on at least one active credit product with monitoring cadence and escalation protocols in place.
In 1 year. Reviewed and closed multiple institutional credit relationships across at least two product types. Running a portfolio-monitoring function with consistent cadence (covenant tracking, delinquency surveillance, stress refresh, parameter maintenance). Recognized internally as the authority on Gauntlet's credit standards, with reusable DD playbooks and risk-parameter frameworks that compress future deal cycles for Credit Risk and Capital Markets.
WHAT YOU BRING
- 3-6 years in credit risk, structured finance, leveraged finance, or asset-backed lending at a leading financial institution, credit fund, or fintech lender
- Direct credit-underwriting experience: PD/LGD modeling, loss-curve and vintage analysis, advance-rate structuring, covenant design, and stress testing
- Hands-on exposure to one or more of: direct lending, warehouse facilities, ABS/CLO structuring, securitization, asset-backed finance, or structured credit
- Strong grasp of legal/structural credit concepts: SPV formation, bankruptcy remoteness, security-interest perfection, covenant packages, and waterfall mechanics
- Portfolio-monitoring experience: delinquency tracking, covenant compliance, borrower financial review, and early-warning systems
- Exceptional written and verbal communication - able to distill complex credit analysis into clear, actionable recommendations for non-credit stakeholders
- Experience building or maintaining quantitative risk models in Python or R
BONUS POINTS
- On-chain credit protocols, DeFi lending markets, or tokenized-asset structures (e.g., Morpho, Aave, tokenized ABS)
- Crypto-native credit risk: smart-contract risk, oracle failure, depeg events, and on-chain collateral liquidity
- Prior work with RWA issuers, fintech lenders, or asset originators — understanding the pipeline and servicing behind the loan tape
- Exposure to prime-brokerage credit, repo, or securities financing from a risk perspective
WHO THRIVES HERE
- Naturally curious about digital assets, DeFi, and the evolution of institutional credit. Prior crypto experience is not required — curiosity is
- Wants to own the full credit function, not just run models. Comfortable building frameworks from scratch, setting standards, and defending views with Capital Markets and senior leadership
- Operates with significant autonomy in an entrepreneurial environment. Wants to build the credit infrastructure, not inherit it
- Analytically rigorous but commercially aware — understands the credit function exists to enable deal flow, not block it, and manages that tension thoughtfully
BENEFITS AND PERKS
- Remote first - work from anywhere in the US & CAN!
- Regular in-person company retreats and cross-country "office visit" perk
- 100% paid medical, dental and vision premiums for employees
- $1,000 WFH stipend
- Monthly reimbursement for home internet, phone, and cellular data
- Unlimited vacation
- 100% paid parental leave of 12 weeks
- Fertility benefits
- Opportunity for incentive compensation
Please note at this time our hiring is reserved for potential employees who are able to work within the contiguous United States and Canada. Should you need alternative accommodations, please note that in your application.
The national pay range for this role is $160,000 - $195,000 base plus additional On Target Earnings potential by level and equity in the company. Our salary ranges are based on paying competitively for a company of our size and industry, and are one part of many compensation, benefits and other reward opportunities we provide. Individual pay rate decisions are based on a number of factors, including qualifications for the role, experience level, skill set, and balancing internal equity relative to peers at the company.
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.
See All 185+ Remote Credit Risk Analyst Jobs
Find roles that match your experience and apply in just a few clicks.
Find JobsRemote Credit Risk Analyst Job Market
Who's Hiring
- CVS Health47
- Apptegy6
- ABB3
- Yale University3
- Twilio2
Top Industries Hiring
- Healthcare & Medical Services66
- Technology & Software22
- Insurance13
- Education10
- Consulting & Professional Services7
What Employers Look For
The qualifications that appear most often in remote credit risk analyst jobs.
- Bachelor's degree in finance, economics, mathematics, or a related quantitative field
- Proficiency in SQL and at least one statistical programming language such as Python, R, or SAS
- Experience building or validating credit scorecards, PD models, or loss forecasting models
- Knowledge of credit risk metrics including PD, LGD, EAD, and RAROC
- Familiarity with regulatory frameworks such as Basel III, CECL, or CCAR
- Professional certification such as FRM, CFA, or CRC preferred for mid-level and senior roles
Tips for Your Remote Credit Risk Analyst Job Search
Quantify model performance on your resume
Credit risk hiring managers want to see outcomes, not just tools. List the models you built or maintained and add a concrete result, such as a reduction in default rate or improved Gini coefficient, to show you understand what your work produced.
List your software and data tools explicitly
Many applicant tracking systems screen for SAS, Python, SQL, or R before a human reads your resume. Name every tool you have used professionally in a dedicated skills section so your application clears the first filter.
Target openings by portfolio type
Consumer credit roles at retail banks, commercial lending roles at regional banks, and structured finance roles at investment firms each require different modeling experience. Filter your search by portfolio type, not just job title, to find openings that match what you have actually worked on.
Apply early to roles that fit
Migrate Mate lists credit risk analyst openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare a case study answer for the interview
Almost every credit risk analyst interview includes a scenario question asking you to assess a borrower or portfolio. Walk through a real analysis you ran, the variables you weighted, and the recommendation you made, so you have a structured answer ready before the call.
Negotiate using comparable role data
When you receive an offer, reference Bureau of Labor Statistics wage data for your metro area and portfolio type to frame your counter. Employers in this field expect candidates to understand data, so a well-sourced ask is treated more seriously than a round-number request.
Remote Credit Risk Analyst Jobs: Frequently Asked Questions
How do I get a remote credit risk analyst job?
Target companies that already run distributed teams, since they hire remotely by default and know how to onboard someone they never meet in person. Remote credit risk analyst employers screen hard for self-direction and clear written communication on top of the core skills, so show evidence you can own work without someone over your shoulder. Apply to the openings above that match your experience.
Which companies hire remote credit risk analysts?
Remote credit risk analyst roles are posted by CVS Health, Apptegy, and ABB and others right now, based on current remote listings on Migrate Mate as of June 2026. Remote-first firms and large companies running distributed teams post the most remote credit risk analyst roles.
Can you get a remote credit risk analyst job with no experience?
Yes, but it is harder than an on-site role, because remote work expects you to operate independently from the start. Entry-level remote credit risk analyst openings do exist, especially at remote-first companies, and a portfolio of real work helps more than a long resume. Applying broadly to the roles that fit improves your odds.
Do you need a degree for remote credit risk analyst jobs?
Not always. Many employers hire remote credit risk analysts on demonstrated skills and prior work rather than a specific degree, though some larger companies still prefer one. Showing relevant results matters more than a credential for most remote credit risk analyst roles.
Which industries hire the most remote credit risk analysts?
Remote credit risk analyst roles concentrate in Healthcare & Medical Services, Technology & Software, and Insurance, based on current remote listings on Migrate Mate as of June 2026. These sectors run distributed teams and hire credit risk analysts remotely most consistently.
See All 185+ Remote Credit Risk Analyst Jobs
Find roles that match your experience and apply in just a few clicks.
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