Credit Risk Manager

🕒 July 22

🇺🇸 United States – Remote

💵 $190k - $220k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

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Greenbox Capital

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2012

💼 Consulting

📦 Logistics

💸 Finance

Consulting • Logistics • Finance

Greenbox Capital is a direct funder in the merchant cash advance industry providing small businesses access to much needed working capital through merchant cash advances, invoice factoring, and short-term small business loans. As a technology-driven alternative lender, Greenbox Capital’s enterprise solution, The Box, enhances deal security and improves funding speed and underwriting quality, offering a seamless experience for customers. Founded in 2012, the company values Commitment, Communication, Teamwork, Service, and Integrity, focusing on positively impacting small businesses in the US, Puerto Rico, and Canada.

📋 Description

• The Credit Risk Manager serves as a key operator within Greenbox Capital’s credit organization, using analytics, predictive models, and portfolio insights to drive business growth and credit performance. • This role owns and evolves core credit strategies including offer strategy, portfolio management strategy, and verification strategy. • The individual partners closely with the VP of Credit Risk & Analytics to optimize approval outcomes, manage portfolio risk, improve funnel performance, and support scalable growth. • Manage portfolio performance through segmentation, cohort analysis, and strategy refinement. • Build and continuously improve credit decisioning frameworks that drive approval strategy, pricing, and portfolio outcomes. • Evaluate and refine model performance using business KPIs, improving predictive accuracy and decision quality. • Partner effectively across teams to translate analytics into clear, actionable business decisions.

🎯 Requirements

• Bachelor’s degree in mathematics, statistics, economics, finance, or a related field required; advanced degree preferred. • 5–10 years of experience in credit risk analytics, preferably in small business lending, non-prime, or high-risk environments. • 2+ years of leadership experience managing and developing teams. • Proven success building or enhancing modern credit decisioning frameworks. • Demonstrated impact driving business outcomes through analytics and modeling. • Strong proficiency in SQL, Python, and Excel. • Solid understanding of statistical modeling and model performance evaluation techniques. • Experience working with large datasets and credit decisioning systems. • Familiarity with modern data platforms (e.g., Snowflake, Databricks) and BI tools. • Strong understanding of credit underwriting processes, policy design, and segmentation strategies.

🏖️ 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, 401K with employer match. • 🧠 Smart, Supportive Teammates - Collaborate with sharp minds who are kind, driven and uphold our core values: Wear Green First, Pull the Thread, Move the Needle, Courage Over Comfort, Think Bold, Win Together, and Own the Outcome