Credit Risk Manager

🕒 July 22

🇺🇸 United States – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 24%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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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 to optimize approval outcomes, manage portfolio risk, improve funnel performance, and support scalable growth • Lead a team within the Risk Analytics function • Drive approval strategy, segmentation, and portfolio optimization • Improve model accuracy and business impact • Identify and integrate high-value data sources • Support underwriting, finance, and product teams with actionable insights • Manage portfolio performance through segmentation, cohort analysis, and strategy refinement • Evaluate portfolio trends and risk concentrations and adjust credit strategies proactively • Balance approval growth with portfolio quality and return objectives • Build and continuously improve credit decisioning frameworks for approval strategy, pricing, and portfolio outcomes • Optimize offer strategy across acquisition channels, customer segments, and risk tiers • Develop and refine verification strategies for fraud detection, identity validation, and operational efficiency • Monitor approval funnels and conversion performance to identify growth opportunities • Evaluate and refine model performance using business KPIs • Partner across teams to translate analytics into clear, actionable business decisions • 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 • 5–10 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 • Strong analytical thinking and ability to solve complex credit risk problems using data • Proven leadership ability, including managing and developing high-performing teams • Clear communication and ability to translate technical findings into business recommendations • Ability to prioritize effectively in fast-paced, ambiguous environments • Strong organization, attention to detail, and ownership mindset • Ability to adapt and collaborate effectively in a global, distributed team environment

🏖️ Benefits

• Flexible PTO • Fully remote work within the U.S. • Full health, dental, and vision benefits • 401K with employer match • Smart, supportive teammates and collaborative work environment