Hire the top 3% of Credit Risk Experts

Toptal is a marketplace for top Credit Risk experts, consultants, and specialists. Each Credit Risk expert is thoroughly vetted and trusted by top companies for their most critical credit analysis projects.

No-Risk Trial, Pay Only If Satisfied.

Hire Freelance Credit Risk Experts

Nikita Smeshko

Freelance Credit Risk Expert

United StatesToptal Member Since January 8, 2017

From investing financial capital in the public markets to co-founding a clean energy subsidiary in Mozambique and growing it to 100 employees, Nikita's career to date has been about gaining complementary skills across the business value chain. As an investor, he understood the business's big picture and the expectations and constraints of financial capital. Nikita has developed an understanding of system-level thinking by creating and executing a strategy at a social enterprise.

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Previously at

Fenix International

Alberto Mihelcic

Freelance Credit Risk Expert

United StatesToptal Member Since March 27, 2017

Alberto has been instrumental in the underwriting, management, and sale of energy and infrastructure assets totaling more than $5 billion. Before moving into banking, he led teams in consulting engagements across nine countries and several sectors. He has an executive MBA from Wharton and worked as part of General Electric's foremost management development programs. Alberto enjoys freelancing as it enables him to work with a diverse clientele.

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Previously at


George G. Shapovalov, CFA

Freelance Credit Risk Expert

United StatesToptal Member Since November 30, 2017

George is a seasoned CFO and former Citibank banker with 17 years of experience executing $2+ billion in debt, equity, and M&A transactions for public and private companies across a variety of industries. He's an independent consultant who helps clients with corporate finance, capital raising, and M&A for growth as well as turnarounds.

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Previously at

Eques Finance

Rudy Murgo

Freelance Credit Risk Expert

United StatesToptal Member Since November 3, 2017

Rudy is a CFO with experience advising finance, operations, and capital investment in high-growth businesses across industries. He has helped raise $10+ million of capital for small companies and closed on $300+ million in debt, equity, and tax equity financing for larger firms. He freelances to leverage his breadth of experience to help entrepreneurs accelerate growth in their small- and medium-sized businesses.

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Previously at

Rising Springs

Scott Bernstein

Freelance Credit Risk Expert

United StatesToptal Member Since April 5, 2017

Scott is a seasoned CFO who has led over $250 million of transactions in the energy industry with a specific focus on structured credit and asset-backed finance. In 2011, Scott led and developed the first Alaskan Oil & Gas Tax Credit receivable finance facility which served as the model for all subsequent transactions. At Toptal, Scott hopes to impact additional organizations by sharing the expertise he has amassed over a 20-year career.

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Previously at

Giant Star Capital LLC

Matthew Charles Radcliffe

Freelance Credit Risk Expert

United StatesToptal Member Since November 30, 2016

An expert in financial modeling, Matt has experience in M&A investment banking, corporate FP&A, structured finance, treasury, and equity research. Matt is the founder and CEO of Isoquant Media, a financial engineering startup that provides risk management solutions to the media industry. As a freelancer, he enjoys having the flexibility and time to build his startup while helping companies of all sizes with their financial analysis needs.

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Previously at

Progress Partners

Carol Kraemer

Freelance Credit Risk Expert

United StatesToptal Member Since February 1, 2017

Carol advised in the sale of a global multi-billion dollar energy company and served as a sub-segment controller/CFO for Siemens. She helps companies grow through acquisitions, fundraising, and strategic advisory. Carol has built some of the most sophisticated financial models for high-tech startups as well as large corporations and infrastructure projects. Freelancing allows her to broaden her industry focus while working with very driven CEOs.

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Previously at

CENAK Consulting L.P.

Kendal Strickland

Freelance Credit Risk Expert

United StatesToptal Member Since September 1, 2018

Kendal has underwritten, executed and managed $200+ million of private debt and structured equity investments, including six turnaround deals and three Chapter 11 bankruptcies. He has deep experience identifying and unlocking value for small to mid-sized funds and lower middle-market companies through strategic, operational and financial measures. Security analysis serves as a pleasant diversion as he sails around the world on his boat "Avignon."

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Previously at

Chatham Capital

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Toptal in the press

... allows corporations to quickly assemble teams that have the right skills for specific projects.

Despite accelerating demand for coders, Toptal prides itself on almost Ivy League-level vetting.

Our clients
Building a cross-platform app to be used worldwide
Thierry Jakicevic
Building a cross-platform app to be used worldwide

Martin so far is a complete Rockstar. His first bit of work produced a tool for us to model and forecast our financials and is far and away worth every penny we paid and more. Just thought I’d share that with you.

Pete Pellizzari, CEO

Budder, Inc.

Erik has been an extremely valuable member of our team who has tremendous breath of experience with start ups in our lifecycle phase. What makes his contribution unique and highly effective is not only his excellent financial modeling skills and knowledge, but also the emotional intelligence with which he manages each relationship at Vault, understands our team dynamics, and helps us tackle start up challenges effectively. It is rare to find a part-time consultant who makes you feel like he/she is genuinely invested in the success of your company.

Romy Parzick, COO

Student Loan Benefits, Inc. dba Vault

Toptal has been an incredible key partner for Sidekick. As an early-stage start-up, we’ve leveraged both design and financial talent. The experience has been incredible, with those professionals bringing creativity, expertise, and advice to ensure Sidekick succeeds. My Toptal financial expert helped steer Sidekick’s business model, which resulted in an initial ROI of 650x! My experience with Toptal has given me great confidence in the future.

Doug MacKay, Founder / CEO


Chris was great to work with and was always available on my schedule. His communication skills and personality were a 10/10. His outputs on the project were top notch and allowed us to develop more efficient forecasting and initiative prioritization frameworks. I would definitely use Chris again.

Chris Pozek, CEO

Veterans Rideshare

What really sets Toptal apart is the caliber of finance talent available in their network. I had a very specific and pressing need, and Toptal quickly matched me with the perfect person for the job. The expert produced a thoughtful and robust financial analysis that has ultimately allowed us to forecast and prioritize initiatives much more efficiently.

Chris Pozek, CEO

Veterans Rideshare

Scott had a lot of finance experience which he used to ask the right questions and help us do things more quickly than we would have done without him. The commission model is crucial to us being able to scale, he integrated seamlessly with our finance team and efficiently got us the outputs we needed.

Naushad Parpia, Founder and CEO


I was very impressed with the quality of finance talent in Toptal’s network. Our expert's experience was immediately evident through his insightful questions and the speed at which we could move. Toptal stayed on top of the process from making the match through to the successful completion of the project. I've already recommended Toptal Finance to my network.

Naushad Parpia, Founder and CEO


How to Hire Credit Risk Experts through Toptal


Talk to One of Our Industry Experts

A Toptal director of finance will work with you to understand your goals, technical needs, and team dynamics.

Work With Hand-Selected Talent

Within days, we'll introduce you to the right Credit Risk Expert for your project. Average time to match is under 24 hours.

The Right Fit, Guaranteed

Work with your new Credit Risk Expert for a trial period (pay only if satisfied), ensuring they're the right fit before starting the engagement.


  • How are Toptal Credit Risk Experts different?

    At Toptal, we thoroughly screen our Credit Risk Experts to ensure we only match you with talent of the highest caliber. Of the more than 100,000 people who apply to join the Toptal network each year, fewer than 3% make the cut. You'll work with finance experts (never generalized recruiters or HR reps) to understand your goals, technical needs, and team dynamics. The end result: expert vetted talent from our network, custom matched to fit your business needs. Start now.

  • Can I hire Credit Risk Experts in less than 48 hours through Toptal?

    Depending on availability and how fast you can progress, you could start working with a Credit Risk Expert within 48 hours of signing up. Start now.

  • What is the no-risk trial period for Toptal Credit Risk Experts?

    We make sure that each engagement between you and your Credit Risk Expert begins with a trial period of up to two weeks. This means that you have time to confirm the engagement will be successful. If you're completely satisfied with the results, we'll bill you for the time and continue the engagement for as long as you'd like. If you're not completely satisfied, you won't be billed. From there, we can either part ways, or we can provide you with another expert who may be a better fit and with whom we will begin a second, no-risk trial. Start now.

Tap Into World-Class Talent

  • Trusted Experts Only

    All of our talent are seasoned experts who ramp up quickly, readily contribute as core team members, and work with you to minimize onboarding time.

  • The Right Fit

    We have a knack for matching you with the right fit. Start working with your new hire on a no-risk trial period, paying only if satisfied.

  • Scale as Needed

    Hire in under 2 weeks and scale your team up or down as needed, no strings attached.

  • Seamless Hiring

    We handle all aspects of billing, payments, and NDA’s. Let us take care of the overhead while you focus on building great products.

  • Flexible Engagements

    Choose the engagement type that suits your needs — hourly, part-time, or full-time — with the ability to change anytime.

  • Expert Talent Matching

    Focus on your project and enjoy support from your dedicated account executive and expert talent matcher.

Top Credit Risk Experts are in High Demand.

Start Hiring