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!