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 giving them fast, accessible funding. As the VP of Credit Risk & Analytics, you’ll play a critical role in owning and shaping the performance of our credit portfolio. You’ll define the strategies that balance growth, risk, and profitability—ensuring our credit decisions drive sustainable, risk-adjusted revenue.

You’ll lead the direction of credit policy, pricing, and portfolio optimization, using data and market insights to guide high-impact decisions that directly influence company performance.

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

What Success Looks Like:

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

How you’ll be measured:

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

You’re a Strong Fit if You:

• Demonstrated ability to own and drive portfolio-level performance and credit outcomes
• Strong executive presence with the ability to influence senior stakeholders and drive alignment
• Thrive in high-accountability environments where decisions directly impact business performance
• Operate effectively in ambiguity and can balance strategic thinking with decisive action
• Communicate complex concepts clearly to both technical and non-technical audiences
• Lead with a collaborative but accountable approach, setting clear expectations and driving results
• Are naturally curious, adaptable, and continuously seeking to improve systems and outcomes

What You’ve Done Before:

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

Tools and Expertise You’ll Bring:

• Deep expertise in portfolio management, pricing strategy, and unit economics
• Strong understanding of underwriting processes, credit policy design, and segmentation
• Ability to interpret and challenge analytical outputs without direct model ownership
• Proficiency in Excel; working knowledge of SQL and BI tools for data interpretation
• Familiarity with credit decisioning systems, data vendors, and fraud tools

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: 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.

What's In It For You:

💸 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: Commitment, Communication, Teamwork, Service and Integrity!