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 directionPricing Strategy & Optimization – Balancing competitiveness and profitability across segmentsCross-Functional Leadership – Aligning credit strategy with Finance, Product, Sales, and UnderwritingDecision Accountability & Performance Oversight – Ensuring analytics and data teams deliver business impactHow you’ll be measured:Portfolio Performance Ownership - Own IRR, cohort performance, roll rates, and funnel conversion metrics, ensuring alignment with company growth and profitability goalsCredit & Pricing Strategy Leadership - Define and evolve credit policy, underwriting strategy, and pricing frameworks that optimize risk-adjusted returnsExecutive Influence & Cross-Functional Alignment - Partner across Finance, Product, Sales, and Operations to ensure consistent execution of credit strategy and influence business outcomesYou’re a Strong Fit if You:Have strong decision-making capability and take full ownership of outcomesCan balance risk and growth, making thoughtful trade-offs that drive business performanceAre highly analytical and comfortable challenging data and assumptions to reach better decisionsCommunicate effectively at an executive level and influence across diverse stakeholdersThrive in ambiguity and can operate in a fast-paced, evolving environmentLead collaboratively while maintaining accountability and clear convictionDemonstrate curiosity, adaptability, and a growth mindset aligned with Greenbox valuesAre comfortable working across global, distributed teamsWhat You’ve Done Before:Bachelor’s degree in finance, economics, mathematics, or a related field required; advanced degree preferred10+ years of progressive experience in credit risk with direct ownership of portfolio performance3+ years in a director-level or higher leadership role managing teamsStrong experience in small business lending, alternative finance, or non-prime environments preferredProven track record of making credit and pricing decisions with measurable business impactExperience operating at an executive level with strong cross-functional influenceTools and Expertise You’ll Bring:Deep expertise in portfolio management, pricing strategy, and unit economicsStrong understanding of underwriting processes, credit policy design, and segmentation strategiesAbility to interpret and challenge analytics outputs without direct model development ownershipAdvanced proficiency in Excel; working knowledge of SQL and BI tools for data interpretationFamiliarity with credit decisioning systems, data vendors, and fraud toolsExperience leveraging data to inform strategy, stress testing, and scenario planningWhat to Expect from Our Interview ProcessWe 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 alignment with the role.Step 2: Hiring Manager Interview (1 hour) A deeper discussion about the role, your relevant experience, and how you’d contribute to the team.Step 3: Role-Specific Assessment or Panel Interview (1 hour) Depending on the role, this may include a take-home assignment, technical interview, or live case study with team members.Step 4: Final Interview or Leadership Chat (1 hour) A final conversation with senior leadership or cross-functional team members to ensure alignment with our mission and values.Step 5: Offer & Background CheckIf it’s a mutual fit, we’ll move forward with background check and present a competitive offer.What's In It For You:💸 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 teammatesOriginally posted on Himalayas