VP of Credit Risk

VP of Risk & Analytics | Remote in the US (EST)

Why this Role Matters:

At Greenbox Capital, we help small businesses thrive by giving them fast, accessible funding. As the VP of Risk & Analytics, you'll own the company's credit risk and analytics strategy, ensuring that our funding offers remain competitive, our underwriting processes are efficient and scalable, and our portfolio performance consistently meets return targets by market. You'll work closely with cross-functional leaders - including Finance, Product, Underwriting, Sales, and Data Science - to build our platform, evolve pricing and risk models, and uncover innovative ways to grow the balance sheet responsibly.

The members of our team are vital partners to our clients and demonstrate integrity and an unparalleled commitment to service and teamwork every day. If you are interested in joining a dynamic work environment with a start-up culture where you will be recognized for your contributions, we would love to talk to you

How You'll Be Measured:

Credit, Pricing, and Fraud Strategy

• Monitor portfolio performance and proactively drive changes to approval criteria
• Continuously evolve Greenbox pricing strategies to balance competitiveness, return targets, and market shifts
• Manage and improve fraud prevention strategies
• Work closely with Data Science to improve risk prediction models
• Partner with Underwriting to deploy policy and with Sales to ensure offer competitiveness

Data Analytics

• Develop Greenbox's data analytics platform to ensure data availability to the entire organization, including but not limited to PowerBI and Databricks
• Lead a small but capable analytics team (Excel + Python), managing incoming analytics requests across departments
• Build dashboards for each department's KPIs and partner with them on insights
• Collaborate with data science and data engineering teams on infrastructure development to progress the analytics platforms and risk models

Process Improvements & Automation

• Drive improvements in underwriting operations with vendor implementations and better data sources
• Partner with Product to deliver automation initiatives, ensuring underwriting policy can evolve with speed and scale
• Collaborate with Collections to analyze default trends and integrate learnings into risk strategy

You're a Strong Fit if You Have:

• 8+ years in credit risk for lending products, preferably in small business lending, alternative finance or revenue-based financing
• Minimum of 5+ years of people leadership experience, including building, coaching, and developing high-performing teams
• A Bachelor's degree in Finance, Economics, Statistics, Mathematics, or relevant major
• Have meaningful experience overseeing large balance sheets through macro shifts and can articulate strategies to navigate
• Deep quantitative acumen; masterful with portfolio management, pricing strategies, IRR analysis, unit economics, and predictive modeling

What You've Done Before:

• Experience managing BI analytics teams and collaborating with Data Science teams
• Proficiency with SQL, Python, Business Intelligence Tools, and Excel
• Proven track record of creativity, building new risk strategies in a highly competitive atmosphere

Who You Are:

• Comfortable with operating in dynamic and evolving environments.
• Entrepreneurial mindset with a focus on progress over perfection.
• Customer-centric in approach, with a strong awareness of how accounting decisions impact internal teams, external partners, and overall business operations.
• Strong relationship-builder with the ability to engage across departments and levels - someone who communicates clearly and effectively, with emotional intelligence and tact.
• The ability to balance confidence with humility-assertive when needed, but always collaborative, and the ability to influence without authority and gain trust through consistency and follow-through.

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 with a Recruiter

Step 2: Bryq Assessment

Step 3: First Round Interview

Step 4: Panel Interview

Step 5: Onsite Interview & Case Study

Step 6: 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: Commitment, Communication, Teamwork, Service and Integrity

Ready to shape the future of Greenbox Capital? Apply today and let's build something extraordinary together

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