Credit Risk Manager

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    "datePosted": "2026-03-27",
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    "description": "<p><span style=\"font-size: 14pt; font-weight: bold\">Credit Risk Manager - (US Remote)</span></p>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Why this Role Matters:</span></p>\n<p>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.</p>\n<p><br></p>\n<p>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 &amp; Analytics to optimize approval outcomes, manage portfolio risk, improve funnel performance, and support scalable growth.</p>\n<p><br></p>\n<p>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.</p>\n<p><br></p>\n<p>This role reports to the VP of Credit Risk &amp; Analytics and <span>leads </span><span>a </span><span>team </span><span>within </span><span>the </span><span>Risk </span><span>Analytics </span><span>function.</span></p>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">What Success Looks Like:</span></p>\n<p><span style=\"font-size: 12pt\">Here’s how your time might break down (actual time can shift depending on business needs):</span></p>\n<ul>\n<li><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Decisioning Frameworks &amp; Analytics</span> – Driving approval strategy, segmentation, and portfolio optimization</span></li>\n<li><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Model Performance &amp; Optimization</span> – Improving model accuracy and business impact</span></li>\n<li><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Data Strategy &amp; Vendor Evaluation</span> – Identifying and integrating high-value data sources</span></li>\n<li><span style=\"font-size: 12pt\"><span style=\"font-weight: bold\">Cross-Functional Impact</span> – Supporting underwriting, finance, and product with actionable insights</span></li>\n</ul>\n<p><span style=\"font-size: 12pt\"> </span></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">How you’ll be measured:</span></p>\n<ul>\n<li><span style=\"font-weight: bold\">Portfolio Management</span>\n<ul>\n<li>Manage portfolio performance through segmentation, cohort analysis, and strategy refinement</li>\n<li>Evaluate portfolio trends and risk concentrations to proactively adjust credit strategies</li>\n<li>Balance approval growth with portfolio quality and return objectives</li>\n</ul>\n</li>\n</ul>\n<ul>\n<li><span style=\"font-size: 12pt; font-weight: bold\">Decisioning Framework Ownership: </span>\n<ul>\n<li><span style=\"font-size: 12pt; font-weight: bold\"> </span><span style=\"font-size: 12pt\">Build and continuously improve credit decisioning frameworks that drive approval strategy, pricing, and portfolio outcomes</span></li>\n<li>Own and optimize offer strategy across acquisition channels, customer segments, and risk tiers</li>\n<li>Drive portfolio management strategies balancing growth, credit quality, and profitability</li>\n<li>Develop and refine verification strategies to improve fraud detection, identity validation, and operational efficiency</li>\n<li>Monitor approval funnels and conversion performance to identify opportunities for growth optimization<br></li>\n</ul>\n</li>\n<li><span style=\"font-size: 12pt; font-weight: bold\">Model Performance &amp; Business Impact: </span>\n<ul>\n<li><span style=\"font-size: 12pt\">Evaluate and refine model performance using business KPIs, improving predictive accuracy and decision quality</span></li>\n</ul>\n</li>\n<li><span style=\"font-weight: bold\"><span>Cross-</span><span>Functional </span><span>Influence &amp; </span><span>Execution: </span></span>\n<ul>\n<li><span>Partner </span><span>effectively </span><span>across </span><span>teams </span><span>to </span><span>translate </span><span>analytics </span><span>into </span><span>clear, </span><span>actionable </span><span>business </span><span>decisions</span><br></li>\n</ul>\n</li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">You’re a Strong Fit if You:</span></p>\n<ul>\n<li><span>Demonstrate </span><span>strong </span><span>analytical </span><span>thinking </span><span>and </span><span>can </span><span>solve </span><span>complex </span><span>credit </span><span>risk </span><span>problems </span><span>using </span><span>data</span></li>\n<li><span>Have </span><span>proven </span><span>leadership </span><span>ability, </span><span>including </span><span>managing </span><span>and </span><span>developing </span><span>high-</span><span>performing </span><span>teams</span></li>\n<li><span>Thrive </span><span>in </span><span>fast-</span><span>paced, </span><span>ambiguous </span><span>environments </span><span>and </span><span>can </span><span>prioritize </span><span>effectively</span></li>\n<li><span>Communicate </span><span>clearly, </span><span>translating </span><span>technical </span><span>findings </span><span>into </span><span>business </span><span>recommendations</span></li>\n<li><span>Are </span><span>highly </span><span>organized </span><span>with </span><span>strong </span><span>attention </span><span>to </span><span>detail </span><span>and </span><span>ownership </span><span>mindset</span></li>\n<li><span>Show </span><span>curiosity </span><span>and </span><span>continuously </span><span>seek </span><span>to </span><span>improve </span><span>systems, </span><span>models, </span><span>and </span><span>outcomes</span></li>\n<li><span>Adapt </span><span>well </span><span>in </span><span>a </span><span>global, </span><span>distributed </span><span>team </span><span>environment </span><span>and </span><span>collaborate </span><span>effectively </span><span>across </span><span>functions</span><br></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">What You’ve Done Before:</span></p>\n<ul>\n<li><span>Bachelor’s </span><span>degree </span><span>in </span><span>mathematics, </span><span>statistics, </span><span>economics, </span><span>finance, </span><span>or </span><span>a </span><span>related </span><span>field </span><span>required; </span><span>advanced </span><span>degree </span><span>preferred</span></li>\n<li><span>5–</span><span>10 </span><span>years </span><span>of </span><span>experience </span><span>in </span><span>credit </span><span>risk </span><span>analytics, </span><span>preferably </span><span>in </span><span>small </span><span>business </span><span>lending, </span><span>non-</span><span>prime, </span><span>or </span><span>high-</span><span>risk </span><span>environments</span></li>\n<li><span>2+ </span><span>years </span><span>of </span><span>leadership </span><span>experience </span><span>managing </span><span>and </span><span>developing </span><span>teams</span></li>\n<li><span>Proven </span><span>success </span><span>building </span><span>or </span><span>enhancing </span><span>modern </span><span>credit </span><span>decisioning </span><span>frameworks</span></li>\n<li><span>Demonstrated </span><span>impact </span><span>driving </span><span>business </span><span>outcomes </span><span>through </span><span>analytics </span><span>and </span><span>modeling</span><br></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Tools and Expertise You’ll Bring:</span></p>\n<ul>\n<li><span>Strong </span><span>proficiency </span><span>in </span><span>SQL, </span><span>Python, </span><span>and </span><span>Excel</span></li>\n<li><span>Solid </span><span>understanding </span><span>of </span><span>statistical </span><span>modeling </span><span>and </span><span>model </span><span>performance </span><span>evaluation </span><span>techniques</span></li>\n<li><span>Experience </span><span>working </span><span>with </span><span>large </span><span>datasets </span><span>and </span><span>credit </span><span>decisioning </span><span>systems</span></li>\n<li><span>Familiarity </span><span>with </span><span>modern </span><span>data </span><span>platforms (</span><span>e.</span><span>g., </span><span>Snowflake, </span><span>Databricks) </span><span>and </span><span>BI </span><span>tools</span></li>\n<li><span>Strong </span><span>understanding </span><span>of </span><span>credit </span><span>underwriting </span><span>processes, </span><span>policy </span><span>design, </span><span>and </span><span>segmentation </span><span>strategies</span><br></li>\n</ul>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">What to Expect from Our Interview Process</span></p>\n<p><span style=\"font-size: 12pt\">We believe in a respectful, efficient, and transparent hiring experience. Here’s what you can expect (subject to changes depending on role):</span></p>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Step 1: Initial Phone Screen (30 minutes)</span><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Step 2: Hiring Manager Interview (1 hour)</span><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Step 3: Interview with CEO</span><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Step 4: Onsite Interview with Leadership</span><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">Step 5: Offer &amp; Background Check</span><br></p>\n<p><br></p>\n<p><span style=\"font-size: 12pt; font-weight: bold\">What's In It For You:</span></p>\n<p><span style=\"font-size: 12pt\">💸 Competitive Pay - We know your worth and we pay accordingly.</span></p>\n<p><span style=\"font-size: 12pt\">🌴 Flexible PTO - Work hard, rest well. Take the time you need to recharge.</span></p>\n<p><span style=\"font-size: 12pt\">🏡 Remote - Fully remote within the U.S., working Eastern Time hours to keep everyone aligned.</span></p>\n<p><span style=\"font-size: 12pt\">🩺 Full Benefits Package - Health, dental, vision, 401K with employer match</span></p>\n<p><span>🧠 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</span></p>\n<p><br></p>",
    "compensation": "$190,000-220,000 + Bonus",
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