Credit Risk Manager

Why This Role Matters

The Credit Risk Manager serves as a key operator within Greenbox Capital’s credit organization, using analytics, predictive models, and portfolio insights to drive business growth and credit performance. This role owns and evolves core credit strategies including offer strategy, portfolio management strategy, and verification strategy. The individual partners closely with the VP of Credit Risk & Analytics to optimize approval outcomes, manage portfolio risk, improve funnel performance, and support scalable growth.

What Success Looks Like

• Decisioning Frameworks & Analytics – Driving approval strategy, segmentation, and portfolio optimization
• Model Performance & Optimization – Improving model accuracy and business impact
• Data Strategy & Vendor Evaluation – Identifying and integrating high-value data sources
• Cross-Functional Impact – Supporting underwriting, finance, and product with actionable insights

How You’ll Be Measured

• Portfolio Management: Manage portfolio performance through segmentation, cohort analysis, and strategy refinement; evaluate portfolio trends and risk concentrations to proactively adjust credit strategies; balance approval growth with portfolio quality and return objectives.
• Decisioning Framework Ownership: Build and continuously improve credit decisioning frameworks that drive approval strategy, pricing, and portfolio outcomes; own and optimize offer strategy across acquisition channels, customer segments, and risk tiers; develop and refine verification strategies to improve fraud detection, identity validation, and operational efficiency; monitor approval funnels and conversion performance to identify opportunities for growth optimization.
• Model Performance & Business Impact: Evaluate and refine model performance using business KPIs, improving predictive accuracy and decision quality.
• Cross-Functional Influence & Execution: Partner effectively across teams to translate analytics into clear, actionable business decisions.

What You’ve Done Before

• Bachelor’s degree in mathematics, statistics, economics, finance, or a related field required; advanced degree preferred
• 5–10 years of experience in credit risk analytics, preferably in small business lending, non-prime, or high-risk environments
• 2+ years of leadership experience managing and developing teams
• Proven success building or enhancing modern credit decisioning frameworks
• Demonstrated impact driving business outcomes through analytics and modeling

Tools And Expertise You’ll Bring

• Strong proficiency in SQL, Python, and Excel
• Solid understanding of statistical modeling and model performance evaluation techniques
• Experience working with large datasets and credit decisioning systems
• Familiarity with modern data platforms (e.g., Snowflake, Databricks) and BI tools
• Strong understanding of credit underwriting processes, policy design, and segmentation strategies

What to Expect from Our Interview Process

• Initial Phone Screen (30 minutes)
• Hiring Manager Interview (1 hour)
• Interview with CEO
• Onsite Interview with Leadership
• Offer & Background Check

What's In It For You

• Competitive Pay
• Flexible PTO
• Remote - Fully remote within the U.S., working Eastern Time hours to keep everyone aligned
• Full Benefits Package - Health, dental, vision, 401K with employer match
• Sleep Well - Take the time you need to recharge
• Think Bold - Collaborate with sharp minds who are kind, driven and uphold our core values