VP of Credit Risk & Analytics (US-Remote)

VP, Credit Risk & Analytics | Remote in the US (EST) Why this Role Matters: At Greenbox Capital, we help small businesses thrive by providing fast, accessible funding. As the VP, Credit Risk & Analytics, you’ll play a critical role in shaping our risk and analytics strategy to enable scalable, profitable growth. You’ll ensure our funding decisions are competitive, data-driven, and aligned with strong portfolio performance. You’ll drive impact across credit strategy, pricing, analytics infrastructure, and underwriting optimization—partnering closely with Finance, Product, Underwriting, Sales, and Data Science. Your work will directly influence how we grow our balance sheet responsibly while maintaining our commitment to service, integrity, and results. This role reports to the Chief Operating Officer and leads the Risk & Analytics function, including a small analytics team, while influencing cross-functional stakeholders across the organization. What Success Looks Like: Here’s how your time might break down:

• Portfolio performance vs. return targets (IRR, loss rates, yield)
• Risk-adjusted revenue growth and approval rate optimization
• Pricing competitiveness vs. market benchmarks
• Fraud detection effectiveness and loss mitigation
• Analytics adoption and data accessibility across teams
• Underwriting speed, efficiency, and scalability

How you’ll be measured: Credit, Pricing, and Fraud Strategy

• Own portfolio performance and adjust approval criteria to optimize risk and returns
• Evolve pricing strategies to balance competitiveness and profitability
• Lead fraud prevention efforts and improve detection frameworks

Data Analytics Leadership

• Build and scale a centralized analytics platform (PowerBI, Databricks) for company-wide insights
• Lead and prioritize analytics initiatives across departments
• Translate data into actionable insights that drive business decisions

Process Improvement & Cross-Functional Impact

• Partner with Product to deliver automation and scalable underwriting workflows
• Collaborate with Underwriting, Sales, and Collections to improve decisioning and portfolio outcomes
• Influence risk strategy through data, trends, and continuous feedback loops

You’re a Strong Fit if You:

• Demonstrate strong analytical thinking and make data-driven decisions in complex environments
• Lead with high emotional intelligence and influence cross-functional stakeholders effectively
• Thrive in fast-paced, evolving environments with ambiguity
• Communicate clearly and effectively across technical and non-technical audiences
• Operate with an ownership mindset and bias toward action
• Bring curiosity, adaptability, and a growth mindset aligned with Greenbox Capital’s culture

What You’ve Done Before:

• Bachelor’s degree in Finance, Economics, Mathematics, or related field required; advanced degree (MBA, MS) preferred
• 8+ years of experience in credit risk within lending (small business lending or alternative finance preferred)
• Proven experience managing portfolio performance through varying macroeconomic cycles
• Demonstrated leadership experience managing analytics or risk teams
• Track record of building and evolving risk strategies in competitive, high-growth environments

Tools and Expertise You’ll Bring:

• Advanced proficiency in SQL, Python, Excel, and BI tools (e.g., PowerBI, Databricks)
• Deep expertise in portfolio management, pricing strategy, IRR analysis, and unit economics
• Strong understanding of underwriting processes, risk modeling, and fraud detection
• Ability to design and scale analytics infrastructure and decisioning systems
• Experience partnering with Data Science and Data Engineering teams

What to Expect from Our Interview Process: We believe in a respectful, efficient, and transparent hiring experience. Here’s what you can expect: Step 1: Interview with talent acquisition Step 2: Interview with hiring manager Step 3: Interview with senior leadership Step 4: Panel interview Step 5: DiSC Assessment Step 6: Onsite interview & case study Step 7: Final interview with senior leadership 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: Win Together, Courage Over Comfort, Pull the Thread, Wear Green First, Own the Outcome, and Move the Needle Ready to shape the future of Greenbox Capital? Apply today and let’s build something extraordinary together! Apply tot his job Apply To this Job