Credit Risk Manager

This is a fully remote position, open to applicants in United States.

📋 Description

• Act as a vital contributor within Greenbox Capital’s credit division.

• Leverage analytics, predictive models, and insights from the portfolio to foster business growth and enhance credit performance.

• Take ownership of and refine offer, portfolio management, and verification strategies.

• Collaborate closely with the VP of Credit Risk & Analytics.

• Optimize approval results, manage portfolio risks, enhance funnel performance, and facilitate scalable growth.

• Oversee portfolio performance through segmentation, cohort analysis, and strategic refinement.

• Assess portfolio trends and risk concentrations, adjusting credit strategies accordingly.

• Develop and enhance credit decision-making frameworks related to approval strategies, pricing, and portfolio outcomes.

• Streamline offer strategies across various acquisition channels, customer segments, and risk tiers.

• Create verification strategies aimed at fraud detection, identity validation, and operational efficiency.

• Track approval funnels and conversion metrics.

• Analyze and improve model performance using key business performance indicators (KPIs).

• Convert analytics into actionable business strategies across underwriting, finance, and product management.

• Report directly to the VP of Credit Risk & Analytics.

⛳️ Requirements

• A Bachelor’s degree in mathematics, statistics, economics, finance, or a related field is required; an advanced degree is preferred.

• 5–8 years of experience in credit risk analytics, ideally within the small business lending sector.

• Proven track record of developing or enhancing contemporary credit decision-making frameworks.

• Demonstrated success in influencing business results through analytics and modeling.

• Strong command of SQL, Python, and Excel.

• Comprehensive understanding of statistical modeling and techniques for evaluating model performance.

• Experience managing large datasets and credit decision-making systems.

• Familiarity with modern data platforms, such as Snowflake and Databricks, as well as business intelligence tools.

• Strong grasp of credit underwriting processes, policy design, and segmentation strategies.

• Availability to work during Eastern Time hours.

• Ability to adapt and collaborate effectively in a global, distributed team setting.

🏝️ Benefits

• Flexible PTO.

• Fully remote work opportunity within the U.S.

• Comprehensive health, dental, and vision benefits.

• 401K plan with employer matching.

• Supportive and collaborative team members.