Credit Risk Manager

Greenbox Capital

3d•$190,000 - $220,000•Remote

About The Position

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. The ideal candidate brings strong credit risk and portfolio management experience, deep familiarity with predictive modeling and decision science concepts, and the ability to translate analytics into practical business decisions. This role does not require a pure data scientist, but does require someone who can effectively leverage data science capabilities to improve credit and business outcomes. This role reports to the VP of Credit Risk & Analytics and leads a team within the Risk Analytics function.

Requirements

Strong analytical thinking and can solve complex credit risk problems using data
Proven leadership ability, including managing and developing high-performing teams
Thrive in fast-paced, ambiguous environments and can prioritize effectively
Communicate clearly, translating technical findings into business recommendations
Highly organized with strong attention to detail and ownership mindset
Show curiosity and continuously seek to improve systems, models, and outcomes
Adapt well in a global, distributed team environment and collaborate effectively across functions
Bachelor’s degree in mathematics, statistics, economics, finance, or a related field required
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
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

Nice To Haves

advanced degree preferred
non-prime, or high-risk environments

Responsibilities

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
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 balancing 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 effectively across teams to translate analytics into clear, actionable business decisions