Credit Risk Manager
About The Position
The Credit Risk Manager is a key operator within Greenbox Capital’s credit organization, using analytics, predictive models, and portfolio insights to drive business growth and credit performance. The role owns and evolves credit strategies, including offer strategy, portfolio management strategy, and verification strategy, and partners closely with the VP of Credit Risk & Analytics to optimize approval outcomes, manage portfolio risk, improve funnel performance, and support scalable growth. The position calls for strong credit risk and portfolio management experience, familiarity with predictive modeling and decision science, and the ability to translate analytics into practical business decisions. It does not require a pure data scientist, but does require the ability to leverage data science capabilities to improve credit and business outcomes. This is a fully remote role within the U.S., working Eastern Time hours. The Credit Risk Manager reports to the VP of Credit Risk & Analytics.
Requirements
- Bachelor’s degree in mathematics, statistics, economics, finance, or a related field required.
- 5–8 years of experience in credit risk analytics, preferably in small business lending.
- Proven success building or enhancing modern credit decisioning frameworks.
- Demonstrated impact driving business outcomes through analytics and modeling.
- 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.
- Strong understanding of credit underwriting processes, policy design, and segmentation strategies.
- Strong analytical thinking and ability to solve complex credit risk problems using data.
- Clear communication skills, including translating technical findings into business recommendations.
- Strong organization, attention to detail, and ownership mindset.
- Ability to thrive in fast-paced, ambiguous environments and prioritize effectively.
- Curiosity and commitment to improving systems, models, and outcomes.
- Ability to adapt and collaborate effectively in a global, distributed team environment.
Nice To Haves
- Advanced degree.
- Familiarity with modern data platforms such as Snowflake or Databricks and BI tools.
Responsibilities
- Manage portfolio performance through segmentation, cohort analysis, and strategy refinement.
- Evaluate portfolio trends and risk concentrations and proactively adjust credit strategies.
- Balance approval growth with portfolio quality and return objectives.
- 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.
- Drive portfolio management strategies that balance growth, credit quality, and profitability.
- 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.
- Evaluate and refine model performance using business KPIs, improving predictive accuracy and decision quality.
- Partner across teams to translate analytics into clear, actionable business decisions.
- Support underwriting, finance, and product with actionable insights.
- Identify and integrate high-value data sources.
Benefits
- Competitive pay.
- Flexible PTO.
- Fully remote work within the U.S.
- Health, dental, and vision benefits.
- 401(k) with employer match.
- Collaborative, supportive teammates.
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What This Job Offers
Job Type
Full-time
Career Level
Manager
