Senior Manager, Risk Analytics

Overview

About GreenSky

GreenSky, 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. GreenSky’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 GreenSky® Program is operated on behalf of, and financing is offered and made by, federally insured, federal or state chartered financial institutions, which leverage GreenSky’s technology to offer loans to primarily super-prime and prime consumers nationwide. Since GreenSky's inception, nearly 6 million consumers have financed nearly $70 billion of commerce using GreenSky’s real time “apply and buy” technology.

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

Overview:

GreenSky needs a seasoned credit risk professional to advance the risk and pricing strategies of our Home Improvement lending business. This role spans strategy design through execution with direct responsibility for profitability and disciplined growth.

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 implement changes within GreenSky’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.

This role requires internal and external partnership, and the ability to communicate complex topics clearly to senior audiences. The role will regularly interact with senior management, product, legal, compliance, operations, capital markets, others in risk, external vendors, and funding partners.

Duties & Responsibilities

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 margin, risk‑adjusted return, and profitability estimates
• Perform downside and sensitivity analysis to understand tradeoffs and set monitoring thresholds

Performance Monitoring & Early Warning

• Monitor early‑stage delinquency, roll behavior, and payment performance across credit segments and products
• 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 GreenSky’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 testing methodologies
• Inform servicing and collections approaches for higher‑risk segments

Leadership & Collaboration

• Partner with stakeholders across Credit, Product, Capital Markets, and Servicing
• Partner with others within risk, including credit strategy and collections strategy to design and test new strategies
• Communicate complex analytical findings clearly to senior audiences
• Potentially manage and mentor junior team members as the function scales

Required Skills/Qualifications

• At least 4 year