Credit Risk Manager

🔥 2 minutes ago

🇺🇸 United States – Remote

💵 $165k - $185k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 1%

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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

• Serve as a key operator within Greenbox Capital’s credit organization • Use analytics, predictive models, and portfolio insights to drive business growth and credit performance • Own and evolve offer, portfolio management, and verification strategies • Partner with the VP of Credit Risk & Analytics • Optimize approval outcomes, manage portfolio risk, improve funnel performance, and support scalable growth • Manage portfolio performance through segmentation, cohort analysis, and strategy refinement • Evaluate portfolio trends and risk concentrations and adjust credit strategies • Build and improve credit decisioning frameworks for approval strategy, pricing, and portfolio outcomes • Optimize offer strategy across acquisition channels, customer segments, and risk tiers • Develop verification strategies for fraud detection, identity validation, and operational efficiency • Monitor approval funnels and conversion performance • Evaluate and refine model performance using business KPIs • Translate analytics into actionable business decisions across underwriting, finance, and product • Report to the VP of Credit Risk & Analytics

🎯 Requirements

• Bachelor’s degree in mathematics, statistics, economics, finance, or a related field required; advanced degree preferred • 5–8 years of experience in credit risk analytics, preferably in small business lending • 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 and Databricks, and BI tools • Strong understanding of credit underwriting processes, policy design, and segmentation strategies • Ability to work Eastern Time hours • Adaptability and collaboration in a global, distributed team environment

🏖️ Benefits

• Flexible PTO • Fully remote within the U.S. • Health, dental, and vision benefits • 401K with employer match • Supportive, collaborative teammates