Senior Credit Risk Manager

Job Description

Credit Risk Manager - (US Remote)
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.
Here’s how your time might break down (actual time can shift depending on business needs):

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
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

Model Performance & Business Impact:
Evaluate and refine model performance using business KPIs, improving predictive accuracy and decision quality

Demonstrate strong analytical thinking and can solve complex credit risk problems using data
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
~ 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
Step 1: Initial Phone Screen (30 minutes)

Flexible PTO - Work hard, rest well. Remote - Fully remote within the U.Full Benefits Package - Health, dental, vision, 401K with employer match