Senior Manager, Risk Analytics

Overview

About Green Sky

Green Sky, LLC, headquartered in Atlanta, is a leading technology company Powering Commerce at the Point of Sale® for a growing ecosystem of merchants, consumers, and banks. Green Sky’s highly scalable, proprietary and patented technology platform enables merchants to offer frictionless promotional payment options to consumers, driving increased sales volume and accelerated cash flow. The Green Sky® Program is operated on behalf of, and financing is offered and made by, federally insured, federal or state chartered financial institutions, which leverage Green Sky’s technology to offer loans to primarily super-prime and prime consumers nationwide.

Since Green Sky's inception, nearly 6 million consumers have financed more than $50 billion of commerce using Green Sky’s real time “apply and buy” technology.

Location:
Atlanta, GA (Hybrid: 3 Days per week)

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Green Sky seeks a credit risk professional to own and manage one or more credit strategy processes for the Home Improvement lending platform. This role spans strategy design through execution and works across unit economics, underwriting, servicing, and capital markets, with direct responsibility for the profitability and disciplined growth of the strategies they manage.

This is a high-ownership, hands‑on role for someone who wants to run a set of credit strategies end‑to‑end. The individual will define and maintain loan‑level valuation frameworks, monitor early performance signals, design and execute test‑and‑learn strategies, manage pre‑screen credit strategy, and directly implement credit policies within Green Sky’s decisioning infrastructure. Success in this role requires comfort operating with white space, making judgment calls, continuously refining strategy as performance emerges, and working cross‑functionally with others in the enterprise to execute.

They will own the credit economics for the strategies and processes they manage, operating with a high degree of autonomy while collaborating closely with partners across Credit, Product, Servicing, and Capital Markets.

Loan Valuation & Credit Economics

• Build and maintain loan‑level valuation models incorporating cumulative and non‑cumulative loss, delinquency roll‑rates, prepayment behavior, minimum payment dynamics, recoveries, and balance / cash‑flow curves
• Translate performance assumptions into asset margin, risk‑adjusted return, and profitability estimates
• Perform downside and sensitivity analysis to understand risk tradeoffs and economic boundaries

Performance Monitoring & Early Warning

• Monitor early‑stage delinquency, roll behavior, and payment performance across credit segments and populations
• Convert early performance signals into forward‑looking loss and profitability forecasts, not just retrospective reporting
• Identify emerging risks and recommend timely strategy or policy adjustments

Credit Strategy & Test‑and‑Learn

• Design and execute test‑and‑learn frameworks across underwriting, segmentation, approval criteria, limits, and pricing
• Define success metrics, guardrails, and decision criteria to support scaling, refinement, or discontinuation of strategies
• Partner cross‑functionally with Product, Capital Markets, Legal/Compliance, and Servicing to ensure strategies are executable and well‑controlled
• Own and manage pre‑screen credit strategy, including criteria design, execution, and performance monitoring for prescreened acquisition campaigns

Decisioning & Strategy Implementation

• Code and implement credit strategies within Green Sky’s decision engine
• Translate analytical insights into production‑ready strategies, rules, and decision logic
• Support ongoing optimization through disciplined iteration and performance feedback loops

Borrower Communications & Servicing Strategy

• Collaborate on the design and testing of borrower communication strategies across multiple channels, including activation, payment reminders, and early‑stage delinquency outreach
• Evaluate communication effectiveness using controlled…