VP of Credit Risk & Analytics

VP of Credit Risk & Analytics - US (Remote) Why this Role Matters:

At Greenbox Capital, we help small businesses thrive by providing fast, accessible funding. As you'll play a critical role in shaping how we make credit decisions, manage portfolio performance, and drive risk-adjusted revenue. You'll own the full credit lifecycle - from strategy and pricing to portfolio health and performance - ensuring our risk approach supports sustainable growth and strong financial outcomes.

Your work will directly influence profitability, capital efficiency, and long-term scalability.

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

Here's how your time might break down (actual time can shift depending on business needs):

• 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

• Have strong decision-making capability and take full ownership of outcomes
• Can balance risk and growth, making thoughtful trade-offs that drive business performance
• Are highly analytical and comfortable challenging data and assumptions to reach better decisions
• Communicate effectively at an executive level and influence across diverse stakeholders
  
  Thrive in ambiguity and can operate in a fast-paced, evolving environment
• Lead collaboratively while maintaining accountability and clear conviction
• Demonstrate curiosity, adaptability, and a growth mindset aligned with Greenbox values
• Are comfortable working across global, distributed teams

• Bachelor’s degree in finance, economics, mathematics, or a 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 managing teams
• Strong experience in small business lending, alternative finance, or non-prime environments preferred
• Proven track record of making credit and pricing decisions with measurable business impact
• Experience operating at an executive level with strong cross-functional influence

• Deep expertise in portfolio management, pricing strategy, and unit economics
• Strong understanding of underwriting processes, credit policy design, and segmentation strategies
• Ability to interpret and challenge analytics outputs without direct model development ownership
• Advanced proficiency in Excel; working knowledge of SQL and BI tools for data interpretation
• Familiarity with credit decisioning systems, data vendors, and fraud tools
• Experience leveraging data to inform strategy, stress testing, and scenario planning

We believe in a respectful, efficient, and transparent hiring experience. Here's what you can typically expect (subject to adjustments depending on role):

Step 1:
Initial Phone Screen (30 minutes) A brief conversation with a recruiter to learn more about your background, interests, and alignment with the role.

Step 2:
Hiring Manager Interview (1 hour) A deeper discussion about the role, your relevant experience, and how you’d contribute to the team.

Step 3:
Role-Specific Assessment or Panel Interview (1 hour) Depending on the role, this may include a take-home assignment, technical interview, or live case study with team members.

Step 4:
Final Interview or Leadership Chat (1 hour) A final conversation with senior leadership or cross-functional team members to ensure alignment with our mission and values.

Step 5:
Offer & Background Check If it's a mutual fit, we'll move forward with background check and present a competitive offer.

• 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
  - Work with collaborative, curious, and high-performing teammates