Note: The job is a remote job and is open to candidates in USA. Greenbox Capital is dedicated to helping small businesses thrive by providing accessible funding. The VP of Credit Risk & Analytics will oversee the credit lifecycle, driving strategy, pricing, and portfolio performance to support sustainable growth and profitability.

Responsibilities

• Driving portfolio performance, risk appetite, and policy direction
• Balancing competitiveness and profitability across segments
• Aligning credit strategy with Finance, Product, Sales, and Underwriting
• Ensuring analytics and data teams deliver business impact
• Owning IRR, cohort performance, roll rates, and funnel conversion metrics, ensuring alignment with company growth and profitability goals
• Defining and evolving credit policy, underwriting strategy, and pricing frameworks that optimize risk-adjusted returns
• Partnering across Finance, Product, Sales, and Operations to ensure consistent execution of credit strategy and influence business outcomes

Skills

• 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
• Proven track record of making credit and pricing decisions with measurable business impact
• Experience operating at an executive level with strong cross-functional influence
• 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
• Strong experience in small business lending, alternative finance, or non-prime environments preferred

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
• Smart, Supportive Teammates - Work with collaborative, curious, and high-performing teammates

Company Overview