The Role Credit Risk Manager responsible for credit decisioning frameworks, offer and verification strategies, portfolio management, model performance, and risk optimization. Uses SQL, Python, Excel, predictive modeling, segmentation, and large datasets to improve approval outcomes, portfolio quality, profitability, and funnel performance. Partners with underwriting, finance, product, and data teams to translate analytics into business decisions. Requires 5-8 years of credit risk analytics experience, preferably in small business lending. Summary Generated by Built In Job Description Credit Risk Manager

• (US Remote) Why this

Role Matters:

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. The ideal candidate brings strong credit risk and portfolio management experience, deep familiarity with predictive modeling and decision science concepts, and the ability to translate analytics into practical business decisions. This role does not require a pure data scientist, but does require someone who can effectively leverage data science capabilities to improve credit and business outcomes. This role reports to the VP of Credit Risk & Analytics.

What Success Looks Like:

Here's how your time might break down (actual time can shift depending on business needs): Decisioning Frameworks & Analytics

• Driving approval strategy, segmentation, and portfolio optimization Model Performance & Optimization
• Improving model accuracy and business impact Data Strategy & Vendor Evaluation
• Identifying and integrating high-value data sources Cross-Functional Impact
• Supporting underwriting, finance, and product with actionable insights How you'll be measured: Portfolio Management Manage portfolio performance through segmentation, cohort analysis, and strategy refinement Evaluate portfolio trends and risk concentrations to proactively adjust credit strategies Balance approval growth with portfolio quality and return objectives

Decisioning Framework Ownership:

Build and continuously improve credit decisioning frameworks that drive approval strategy, pricing, and portfolio outcomes Own and optimize offer strategy across acquisition channels, customer segments, and risk tiers Drive portfolio management strategies balancing growth, credit quality, and profitability Develop and refine verification strategies to improve fraud detection, identity validation, and operational efficiency Monitor approval funnels and conversion performance to identify opportunities for growth optimization

Model Performance & Business Impact:

Evaluate and refine model performance using business KPIs, improving predictive accuracy and decision quality Cross

•

Functional Influence & Execution:

Partner effectively across teams to translate analytics into clear, actionable business decisions You're a Strong Fit if

You:

Demonstrate strong analytical thinking and can solve complex credit risk problems using data Thrive in fast

• paced, ambiguous environments and can prioritize effectively Communicate clearly, translating technical findings into business recommendations Are highly organized with strong attention to detail and ownership mindset Show curiosity and continuously seek to improve systems, models, and outcomes Adapt well in a global, distributed team environment and collaborate effectively across functions

What You've Done Before:

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

Tools and Expertise You'll Bring:

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 What to Expect from Our Interview Process We believe in a respectful, efficient, and transparent hiring experience. Here's what you can expect (subject to changes depending on role): Step 1: Initial Phone Screen (30 minutes) Step 2: Hiring Manager Interview (1 hour) Step 3: Panel Interview with COO and VP of People and Culture (1 hour) Step 4:

Offer & Background Check 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, 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 Read Full Description Skills Required Bachelor's degree in mathematics, statistics, economics, finance, or a related field 5-8 years of experience in credit risk analytics, preferably in small business lending Experience building or enhancing modern credit decisioning frameworks Demonstrated impact driving business outcomes through analytics and modeling Strong proficiency in SQL, Python, and Excel Understanding of statistical modeling and model performance evaluation techniques Experience working with large datasets and credit decisioning systems Familiarity with modern data platforms such as Snowflake and Databricks and BI tools Strong understanding of credit underwriting processes, policy design, and segmentation strategies Advanced degree Greenbox Capital Compensation & Benefits Highlights The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Greenbox Capital and has not been reviewed or approved by Greenbox Capital.

About This Summary Fair & Transparent Compensation — Feedback suggests posted salary ranges for specialized roles are market-aware and provide clear expectations on pay. Role-specific submissions indicate compensation can align with market for technical and risk positions. Strong & Reliable Incentives — Feedback suggests commission-based sales roles offer meaningful earning upside for high performers. Several role descriptions emphasize the ability to make substantial income when targets are met. Retirement Support — Feedback suggests a 401(k) with employer matching is part of the package, enhancing long-term savings. Company and job-board materials highlight employer matching on retirement plans. Learn more about Greenbox Capital's Compensation & Benefits → Greenbox Capital Insights What's It Like to Work at Greenbox Capital? Greenbox Capital Culture & Values Greenbox Capital Career Growth & Development What's the Work-Life Balance Like at Greenbox Capital? Greenbox Capital Leadership & Management Greenbox Capital Company Growth, Stability & Outlook View all jobs at Greenbox Capital View Greenbox Capital Profile Report Job