VP of Credit Risk & Analytics

Greenbox Capital

23h • Remote

About The Position

At Greenbox Capital, we help small businesses thrive by giving them fast, accessible funding. As the VP of Credit Risk & Analytics, you’ll play a critical role in owning and shaping the performance of our credit portfolio. You’ll define the strategies that balance growth, risk, and profitability—ensuring our credit decisions drive sustainable, risk-adjusted revenue.

You’ll lead the direction of credit policy, pricing, and portfolio optimization, using data and market insights to guide high-impact decisions that directly influence company performance.

This role reports to the Chief Operating Officer and leads the Risk & Analytics function.

Requirements

• Demonstrated ability to own and drive portfolio-level performance and credit outcomes
• Strong executive presence with the ability to influence senior stakeholders and drive alignment
• Thrive in high-accountability environments where decisions directly impact business performance
• Operate effectively in ambiguity and can balance strategic thinking with decisive action
• Communicate complex concepts clearly to both technical and non-technical audiences
• Lead with a collaborative but accountable approach, setting clear expectations and driving results
• Are naturally curious, adaptable, and continuously seeking to improve systems and outcomes
• Bachelor’s degree in finance, economics, mathematics, or related field required; advanced degree preferred
• 10+ years of progressive experience in credit risk with direct ownership of portfolio performance
• 3+ years in a director-level or higher leadership role
• Strong experience in small business lending, alternative finance, or non-prime environments preferred
• Proven success in making pricing and credit decisions with measurable business impact
• Experience operating at an executive level with clear cross-functional influence
• Deep expertise in portfolio management, pricing strategy, and unit economics
• Strong understanding of underwriting processes, credit policy design, and segmentation
• Ability to interpret and challenge analytical outputs without direct model ownership
• Proficiency in Excel; working knowledge of SQL and BI tools for data interpretation
• Familiarity with credit decisioning systems, data vendors, and fraud tools

Responsibilities

• Credit Strategy & Portfolio Ownership – Driving portfolio performance, risk appetite, and policy direction
• Pricing Strategy & Optimization – Balancing competitiveness and profitability across segments
• Cross-Functional Leadership – Aligning credit strategy with Finance, Product, Sales, and Underwriting
• Decision Accountability & Performance Oversight – Ensuring analytics and data teams deliver business impact
• Portfolio Performance Ownership
• Own IRR, cohort performance, roll rates, and funnel conversion metrics, ensuring alignment with company growth and profitability goals
• Credit & Pricing Strategy Leadership
• Define and evolve credit policy, underwriting strategy, and pricing frameworks that optimize risk-adjusted returns
• Executive Influence & Cross-Functional Alignment
• Partner across Finance, Product, Sales, and Operations to ensure consistent execution of credit strategy and influence business outcomes

Benefits

• Competitive Pay - We know your worth and we pay accordingly.
• Flexible PTO - Work hard, rest well. Take the time you need to recharge.
• Remote - Fully remote within the U.S., working Eastern Time hours to keep everyone aligned.
• Full Benefits Package - Health, dental, vision
• Smart, Supportive Teammates - Collaborate with sharp minds who are kind, driven and uphold our core values: Commitment, Communication, Teamwork, Service and Integrity!

What This Job Offers

• Job Type: Full-time
• Career Level: Executive
• Number of Employees: 1-10 employees