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 providing fast, accessible funding. As
the VP of Credit Risk & Analytics, you will play a critical role in shaping how we make credit decisions, manage portfolio performance, and drive risk-adjusted revenue.

You’ll own the full credit lifecycle - from strategy and pricing to portfolio health and performance—ensuring our risk approach supports sustainable growth and strong financial outcomes. Your work will directly influence profitability, capital efficiency, and long-term scalability.

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:

- Have strong decision-making capability and take full ownership of outcomes

- Can balance risk and growth, making thoughtful trade-offs that drive business performance

- Are highly analytical and comfortable challenging data and assumptions to reach better decisions

- Communicate effectively at an executive level and influence across diverse stakeholders

- Thrive in ambiguity and can operate in a fast-paced, evolving environment

- Lead collaboratively while maintaining accountability and clear conviction

- Demonstrate curiosity, adaptability, and a growth mindset aligned with Greenbox values

- Are comfortable working across global, distributed teams

What You’ve Done Before:

- 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

- Strong experience in small business lending, alternative finance, or non-prime environments preferred

- Proven track record of making credit and pricing decisions with measurable business impact

- Experience operating at an executive level with strong 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 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

What to Expect from Our Interview Process

We believe in a respectful, efficient, and transparent hiring experience. Here’s what you can typically expect (subject to adjustments depending on role):

Step 1: Initial Phone Screen (30 minutes)
A brief conversation with a recruiter to learn more about your background, interests, and