[Remote] VP of Credit Risk & Analytics
Note: The job is a remote job and is open to candidates in USA. Greenbox Capital is dedicated to helping small businesses thrive by providing accessible funding. The VP of Credit Risk & Analytics will oversee the credit lifecycle, driving strategy, pricing, and portfolio performance to support sustainable growth and profitability.
Responsibilities
- Driving portfolio performance, risk appetite, and policy direction
- Balancing competitiveness and profitability across segments
- Aligning credit strategy with Finance, Product, Sales, and Underwriting
- Ensuring analytics and data teams deliver business impact
- Owning IRR, cohort performance, roll rates, and funnel conversion metrics, ensuring alignment with company growth and profitability goals
- Defining and evolving credit policy, underwriting strategy, and pricing frameworks that optimize risk-adjusted returns
- Partnering across Finance, Product, Sales, and Operations to ensure consistent execution of credit strategy and influence business outcomes
Skills
- 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
- 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
- Strong experience in small business lending, alternative finance, or non-prime environments preferred
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 - Work with collaborative, curious, and high-performing teammates
Company Overview